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

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 Rather than address your unique situation with an outdated, transactional approach focused on individual products, we specialize in helping you create a holistic financial strategy that can be adjusted along life’s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

The Half Million Dollar Baby

The true cost of raising a child may be far more than you expect.

What Is a 1035 Exchange?

1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.

Four Really Good Reasons to Invest

There are four very good reasons to start investing. Do you know what they are?

Avoiding Cognitive Decline

Try these activities to keep your brain sharp.

4 Steps to Protecting a Child with Disabilities

Planning for a special-needs child can be complicated, confusing, and even overwhelming.

Catch-Up Contributions

Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.

Alternative Investments - Going Mainstream

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

Changing Unhealthy Behaviors

Five phases to changing unhealthy behaviors.

Personal Finance Tips for Military Families

Military families face unique challenges, making personal finance even more critical.

View all articles

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

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

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

Saving for Retirement

This calculator can help you estimate how much you may need to save for retirement.

Inflation & Retirement

Estimate how much income may be needed at retirement to maintain your standard of living.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

View all calculators

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

5 Smart Investing Strategies

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

Your Cash Flow Statement

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

5 Smart Investing Principles

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

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

An Inside Look at Retirement Living

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

View all presentations

Retirement Redefined

Around the country, attitudes about retirement are shifting.

Should You Invest in Exchange Traded Funds?

There are hundreds of ETFs available. Should you invest in them?

Exit Strategies of the Rich and Famous

Estate conservation is too important to put off. Do you have a smart exit strategy?

How to Retire Early

Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.

A New Way to Look at Your Bucket List

That big list of dreams and goals isn't the only way to look at your bucket list.

Choosing a Mortgage

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.

View all videos

Articles