Retirement Planning in Reston Virginia

VISTA Wealth Strategies LLC is a holistic, independent retirement planning firm in Reston, Virginia. We create a wealth-building strategy for you designed to support a sustainable lifestyle. When you are within a few years of retirement, we begin the process of planning for establishing income streams for you.  When working with clients for retirement planning we consider all available income sources as well as timing considerations.

See It. Plan It. Live It.^®

We designed our Lifetime Income Funnel™ to help you understand and manage the flow of your income, expenses, and assets. Our approach to retirement income planning works while you are building your wealth and also once you have repositioned following your career and are using accumulated assets to sustain your lifestyle. It is a critical step in planning for and your pursuing goals, planning for retirement income, and considering wealth transfer strategies and legacy planning.

Retirement plans. Putting the maximum possible into your retirement accounts is ideal, especially if your employer offers a matching contribution. That can add up to a substantial amount of extra income. In addition to the tax-deferral benefits, an IRA or 401(k) account can work well to complement your college savings goals in the following ways:

As related to the Free Application for Federal Student Aid (FAFSA), retirement accounts are considered noncountable assets, so they don’t affect a student’s aid eligibility.

With an IRA, early withdrawals can be made for qualified educational expenses. The standard 10 percent penalty does not apply, although these distributions will be taxed. (This feature does not apply to 401(k)s.)

Along with your retirement planning services we also offer wealth management services and income planning services.