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 Rather than address your unique situation with an outdated, transactional approach focused on individual products, we specialize in helping you create a holistic financial strategy that can be adjusted along life’s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

Retirement Traps to Avoid

Beware of these traps that could upend your retirement.

How to Make the Tax Code Work for You

When you take the time to learn more about how it works, you may be able to put the tax code to work for you.

To Buy or Not to Buy

The decision whether to buy or rent a home may have long-term implications.

How the Federal Reserve Works

Each day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.

What to Look for in Personal Finance Apps

An increasing number have been developed to help individuals with their personal finances.

Revising Estate Strategy Assumptions

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

Fixed or Variable Mortgage, Which Should You Pick?

When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.

IRA Withdrawals that Escape the 10% Tax Penalty

The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.

What Do Your Taxes Pay For?

Here's a breakdown of how the federal government spends your tax money.

View all articles

Comparing Investments

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

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 Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

A Look at Systematic Withdrawals

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

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

View all calculators

Managing Your Lifestyle

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

Principles of Preserving Wealth

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

Your Cash Flow Statement

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

Investment Strategies for Retirement

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

5 Smart Investing Strategies

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

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

A Bucket Plan to Go with Your Bucket List

A bucket plan can help you be better prepared for a comfortable retirement.

Should I Invest in Gold?

Learning more about gold and its history may help you decide whether it has a place in your portfolio.

Can Election Results Predict the Market?

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

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

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.

Acres of Diamonds

In life it often happens that the answers to our most pressing questions are right in our own backyards.

View all videos

Articles