Fredericks & Associates, LLC Your Virginia Wealth Management Service

Read Our Philosophy

Our Network of Independent Professionals

Click on a picture for a direct link to individual bios.

Stephen J. Locke, CFP®

ChFC, CLU, CLTC
Independent Certified Financial Planner

Marilyn Cepanec

Realtor
ASP, eCertified,
Green Certification

Blaine W. Keller

LUTCF, CLTC
Medicare & Long-Term Care Specialist

Since 1971, Fredericks & Associates has worked diligently to provide personal service, experienced judgment, and common sense advice to assist you with your retirement plans. We network with a variety of well-established and independent professionals in order to provide you, the customer, with the greatest financial benefit.

OUR PROCESS

Today’s financial environment demands an approach that incorporates the expertise of skilled professionals, a variety of available solutions, and the independence required to provide objective recommendations. At Fredericks & Associates, we utilize a step-by-step process to help educate and prepare you both for your future and the future of your loved ones.

This process includes:

Identifying your goals
Designing a strategy specific to your unique needs
Assisting you in the implementation of your strategy
Monitoring and adjusting your strategy over time as needs change

At Fredericks & Associates, we view it as our responsibility to understand your long-term goals so that we can leverage our knowledge and experience to help you realize them. Rather than address your unique situation with an outdated, transactional approach focused on individual products, we specialize in helping you create a holistic financial strategy that can be adjusted along life’s journey to help you reach your destination.

OUR COMMITMENT

We are committed to remaining by your side in achieving the results you desire. We assist clients with the twists and turns that life deals wherever possible (such as job changes, aging parents, birth of children and grandchildren, marriage, divorce, or death of a family member) by helping maximize opportunities and minimize the impact to your financial well-being.

We also work with our clients to aid in accomplishing goals such as funding educational expenses, potentially reducing both current income and future estate taxes, preparing for retirement, and maintaining your current lifestyle throughout your retirement years.

A sound financial future does not happen by accident. It takes preparation & strategy to preserve and enjoy what you have spent a lifetime building.

At Fredericks & Associates, our focus is YOU. From the greeting you receive on the phone to the moment you walk in the door of our office to our availability in addressing your questions and concerns, YOU are the number one priority of our entire team.

Helpful Content

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Retirement Redefined

Around the country, attitudes about retirement are shifting.

Tuning Your Social Security Benefit

When should you take your Social Security benefit?

Alternative Investments - Going Mainstream

Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity.

Understanding Marginal Income Tax Brackets

An inside look at how marginal income tax brackets work.

A Primer on Dividends

A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."

Revising Estate Strategy Assumptions

Estate tax exemptions rules appear to be stabilizing, prompting many to reconsider conventional estate strategies.

Death is No Excuse

The federal government requires deceased individuals to file a final income tax return.

Should You Borrow from Your 401(k)?

Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?

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A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

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An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

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Can Election Results Predict the Market?

How do the markets usually react to elections? Was the 2016 election any different?

Social Security: By the Numbers

Here are five facts about Social Security that might surprise you.

The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

An Arm and a Leg

A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.

The Power of Tax-Deferred Growth

Why are 401(k) plans, annuities, and IRAs so popular?

Forecast

The market is as unpredictable as the weather. We’d love to help you prepare.

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