Nicole Frost, in Midlothian VA

Financial Planning for Retirement, Executives & Business Owners

Helping you make confident decisions about retirement, your wealth, and what comes next.

I work with individuals and families who want more than investment management. Through a comprehensive approach to financial planning, we bring your retirement income, Social Security, investments, taxes, workplace benefits, charitable giving, and legacy goals together into one coordinated strategy.

My goal is to help you understand your options, see how the pieces of your financial life connect, and make thoughtful decisions with greater confidence.

Dedicated Financial Planning

Where I Believe I Can Provide the Greatest Value

For some clients, our relationship begins with an investment, insurance need, or specific financial question. But I believe I often provide the greatest value through Dedicated Planning, where we take a more comprehensive look at your financial life.

Through an ongoing, dedicated planning relationship for a fee, I can help you:

Understand where you are today
Clarify what you want your money to accomplish
Identify opportunities and potential financial gaps
Evaluate competing financial priorities
Coordinate retirement, investments, taxes, benefits, insurance, and estate considerations
Make adjustments as your life and financial circumstances change
Turn recommendations into actionable next steps

You receive advice, resources, and written recommendations designed to help you understand both what I am recommending and why.

Dedicated Planning is more than a set of written recommendations. It is an ongoing planning relationship that can evolve as your goals, priorities, and circumstances change.

Retirement Planning

Retirement Is More Than a Date. It's a Series of Decisions.

Executives at publicly traded companies often face financial decisions that don't fit neatly into traditional retirement planning. This is a specialty of mine! Your financial picture may include:

Stock options and other equity compensation
Deferred compensation
Executive benefits
Concentrated investment positions
Charitable giving
Retirement and career transition decisions

I bring these strategies together for you and your family.

I also love working with pre-retirees and retirees through a comprehensive approach to financial planning. Depending on your situation, our planning may include:

Retirement readiness and income planning
Social Security claiming strategies
Investment and asset allocation strategy
Tax-efficient retirement planning
Pension decisions
Charitable giving
Legacy and estate planning considerations
Long-term care planning

The goal isn't simply to retire. It's to have a financial strategy for the retirement you want to live.

My background includes more than 15 years working with employer-sponsored financial benefits and insurance for a Fortune 500 company. I bring that perspective to helping executives understand how their workplace benefits and compensation fit into their larger financial and retirement strategy.

Business Owner & Exit Planning

Build Value Today. Prepare for What's Next.

As a Certified Exit Planning Advisor (CEPA), I work with business owners to consider how today's business decisions connect with their longer-term personal and financial goals.

Whether your transition is several years away or something you're beginning to consider today, planning ahead can help you better understand the intersection between:

Your business value
Your personal wealth
Business continuity
Key employees
Family considerations
Tax and estate considerations
Your eventual transition or exit

For many business owners, a significant portion of their financial life is tied to their company. That makes it especially important to coordinate business planning, personal financial strategies, and exit planning rather than treating them as separate conversations.

How I Work

My approach is highly educational and collaborative.

I want you to understand not only what I recommend, but why.

Don't be surprised if I move to the whiteboard during our meeting to illustrate a concept, compare strategies, or show how different pieces of your financial life connect. I believe understanding your choices makes it easier to make confident financial decisions.

I sometimes describe my role as your financial GPS. You may know where you want to go. My role is to help you understand the routes available to you, anticipate potential roadblocks and detours, and make thoughtful adjustments along the way.