Virginia Retirement Planning
Roberts-Funai
Roberts-Funai is an independent financial services firm dedicated to helping individuals and families prepare for, plan, and enjoy a successful retirement.
We believe every retirement plan should begin with a review of your health care options. After all, access to quality health care—and protection from unexpected medical expenses—is one of the foundations of a secure retirement.
For most people, that journey begins with Medicare at age 65. After contributing to the Medicare system throughout your working years, you deserve to fully understand all of your options and choose the coverage that best fits your needs.
For more than 30 years, Mason and Bill have guided clients through the Medicare enrollment process. What was once a relatively straightforward government program has become increasingly complex, with numerous plan choices, enrollment deadlines, and important coverage decisions. Making the wrong choice can result in unnecessary costs, low quality care, limited options and long-term penalties.
If you’re feeling overwhelmed by the flood of mail, television commercials, online advertisements, and sales calls, you’re not alone. Our role is to provide clear, unbiased guidance that covers ALL your options so you can make informed decisions with confidence. One top quality health care is secured; we can work on asset protection to achieve your retirement goals!
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in July–September 2026
- There are no events scheduled during these dates.
Our Downloads
Navigating Medicare and Medigap Insurance
One of your largest retirement expenses could be your healthcare costs. An average 65-year-old couple retiring today will need an estimated $315,000 to cover their healthcare costs, according to one study. Unfortunately, the Medicare system can be quite complex. This leads too many retirees to overspend on healthcare expenses and receive suboptimal coverage over the span of their retirement. Don’t pay more than you should for the health services and coverage you deserve! Read this guide to learn about:
Our Blog
Understanding the Difference Between Income Tax and Capital Gains Tax
In the realm of taxation, two terms often surface: income tax and capital gains tax. Both are crucial aspects of [...]
Minding Future Taxes: Traditional IRA vs. Roth IRA
When considering retirement savings options, it is paramount to understand the tax treatment of the various types of retirement accounts [...]
Financial Planning for Newlyweds (or Nearly-Weds)
Entering into a marriage is not just a romantic commitment but also a financial partnership. For newlyweds or nearly-weds, planning [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
