Business Details
Your Trusted Fee-Only Financial Advisor in Richmond, VA
EVOadvisers is a fee-only financial advisory firm based in Richmond, Virginia, serving clients nationwide. Founded over 13 years ago, we operate as fiduciaries committed to aligning our interests with those of our clients by avoiding sales commissions and prioritizing transparent, jargon-free communication. Our team of Certified Financial Planner (CFP) professionals delivers personalized financial plans tailored to individual goals, with a focus on investment management, tax planning, estate planning, and retirement strategies. We maintain a flat-fee pricing model to ensure clarity and fairness, and our services extend to both individuals and businesses seeking simplified, cost-effective 401(k) solutions.With over 90% client retention, we emphasize long-term relationships built on trust, ethical practices, and a philosophy of Capitalism with a Conscience. Our streamlined process empowers clients to focus on their lives while we manage their financial wellness, offering proactive support and educational resources to enhance financial literacy. We collaborate with external professionals like CPAs and estate attorneys to ensure comprehensive implementation of plans, and our teams expertise spans decades of experience in global financial services.
Services
Investment Management
Risk Management
Estate Planning
Tax Planning
Retirement Planning
Cash Flow Planning
401(k) for Business
Portfolio Management
Fiduciary Services
Financial Planning
Highlights and features
- We operate on a fee-only model, eliminating conflicts of interest from sales commissions.
- Our team includes CFP professionals with decades of combined experience.
- We prioritize transparent, jargon-free communication to empower client understanding.
- Our flat-fee pricing ensures predictable costs tailored to individual needs.
- We maintain over 90% client retention through long-term, trust-based relationships.
Associations and certifications
- NAPFA
- CFP Board
Services
Investment Management
We develop customized investment strategies to align with your financial goals and risk tolerance. Our low-cost approach minimizes fees and taxes while optimizing returns. By integrating your investment plan with broader financial objectives, we ensure your portfolio supports long-term wealth growth and sustainability.
Estate Planning
Our estate planning services help you designate asset distribution while minimizing tax liabilities. We collaborate with attorneys to implement wills, trusts, and beneficiary designations. This ensures your wishes are executed clearly, protecting your legacy for future generations or charitable causes.
Tax Planning
We analyze your financial situation to identify tax-saving opportunities and coordinate with CPAs for strategic implementation. Our focus is on reducing lifetime tax burdens through account selection and investment timing. This service integrates with retirement and estate plans to maximize after-tax wealth.
Retirement Planning
We design retirement strategies to ensure sustainable income and tax-efficient withdrawals. Our plans address healthcare costs, insurance needs, and legacy goals. By aligning retirement timelines with investment and tax strategies, we help you transition confidently from saving to spending.
401(k) for Business
We simplify 401(k) administration for businesses, offering cost-effective solutions and participant education. Our services include plan design, compliance support, and fee transparency. Employers gain streamlined management while employees receive personalized advice from CFP professionals at no extra cost.
People
David J. OBrien
Co-Founder
David J. OBrien, MBA and CFP, co-founded EVOadvisers after decades of leadership roles in global financial services. He specializes in fiduciary planning and has contributed to industry publications like Bloomberg and Reuters.
John B. Clair
Co-Founder
John B. Clair, CFP, brings extensive experience in investment advisory services and co-founded EVOadvisers to prioritize client-first financial planning. He focuses on portfolio management and retirement strategies.
Stephen E. Fletcher
Principal
Stephen E. Fletcher, MBA and CFP, leads complex financial planning at EVOadvisers. With expertise in tax and estate planning, he helps clients align investments with long-term goals.
Johanna Mussro
Financial Planner
Johanna Mussro, FPQP, provides personalized financial planning solutions, emphasizing clarity and client education. She supports clients in achieving retirement and wealth management objectives.
Jack OBrien
Portfolio Manager
Jack OBrien, CIMA, manages investment portfolios with a focus on low-cost, tax-efficient strategies. His expertise ensures alignment with clients' risk profiles and financial goals.
Questions
What does 'fee-only' mean for your services?
We charge a flat fee for our services and receive no commissions, ensuring recommendations prioritize your interests without conflicts.
How do you differ from other financial advisors?
As fiduciaries, we avoid sales incentives and jargon, focusing on transparent, personalized plans aligned with your values and goals.
What areas do you specialize in?
We specialize in investment management, tax planning, estate strategies, retirement planning, and 401(k) solutions for individuals and businesses.
Do you work with clients outside Virginia?
Yes, we serve clients nationwide through virtual consultations and digital tools, maintaining the same personalized approach.
What certifications do your advisors hold?
Our team includes Certified Financial Planner (CFP) professionals and members of NAPFA, adhering to rigorous ethical and educational standards.
How are your fees structured?
We use a flat-fee schedule starting at $10,000 annually, adjusted for complex planning needs, with no hidden costs or minimum portfolio size.
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