Fiduciary Financial Advisors Serving Blacksburg, Virginia

Retirement decisions become harder when your financial life includes multiple accounts, employer benefits, pensions, tax-deferred savings and investment decisions that have accumulated over a long career. From our nearby Christiansburg office, Martin Wealth Solutions helps Blacksburg-area professionals, university employees and families age 50 and older bring those decisions together through our SmartWealth System™.

In-person and virtual appointments are available.
"Great to have a partner like Martin Wealth to help guide our investment strategies, and review new opportunities and bounce ideas off of."
- Justin Broderick
"My wife and I have been extremely pleased with Martin Wealth Solutions. Our primary financial advisor, Sam Benson, and also Jim Martin, have given us great advice over the years, at reasonable fees."
- Dave Cohan
"Great group of people to work with. Very honest people. Sam is the best. He is always there by phone, email, or in person when we need him..."
- Nancy Collins

Martin Wealth Solutions has not provided any compensation for the testimonials shown. Your experience may not be representative of their experiences. To our knowledge, there are no material conflicts of interest. Testimonials are from current clients as of 9/5/2026.

Retirement Planning Near Blacksburg

Martin Wealth Solutions — Christiansburg Office
1055 West Main Street
Christiansburg, VA 24073
540-639-4810

Our Christiansburg office provides Blacksburg and New River Valley families with convenient access to a local retirement-planning team. Virtual meetings are also available.

Retirement Gets More Complicated as It Gets Closer

After a long career, it is common to have money spread across several places: a current employer plan, older 401(k)s or 403(b)s, IRAs, taxable investments, a pension and Social Security. Each account may look reasonable by itself. The more important question is whether they work together.

  • Which accounts should provide income first?
  • Should any tax-deferred savings be converted to Roth?
  • How should pension and Social Security decisions be coordinated?
  • Is the investment strategy appropriate for the transition into retirement?
  • Could future required distributions create a larger tax problem?
  • How will healthcare and Medicare expenses fit into the plan?

Martin Wealth Solutions helps organize these decisions into one retirement strategy, so every part has a purpose.

Retirement Planning for Virginia Tech Faculty and Employees

Virginia Tech employees may retire with a combination of benefits that requires more coordination than a traditional 401(k)-only plan. Depending upon employment classification and elections, those benefits may include the Virginia Retirement System, an Optional Retirement Plan, a 403(b), a 457(b) and accounts held with different providers. The most important question is not simply which accounts you have. It is how they should work together when the paycheck stops. We can help evaluate questions such as:

  • When should pension or plan benefits begin?
  • How should TIAA, Fidelity, VRS and other retirement assets be coordinated?
  • Which accounts should fund the first years of retirement?
  • Could Roth conversions improve long-term tax flexibility?
  • How should a surviving spouse’s income needs affect the strategy?
  • How much investment risk is appropriate once withdrawals begin?

Martin Wealth Solutions is not affiliated with or endorsed by Virginia Tech, the Virginia Retirement System, TIAA or Fidelity. We provide independent retirement and investment advice based upon each client’s individual circumstances.

A Smarter Way to Coordinate Retirement

Martin Wealth Solutions works primarily with people age 50 and older who have accumulated meaningful retirement savings and want a more coordinated strategy.

Retirement Income Planning
Determine how much your investments and benefits can reasonably provide and build a withdrawal strategy around your actual retirement goals.
Tax Planning
Evaluate how pensions, Social Security, Roth conversions and required minimum distributions may affect taxable income over time.
Investment Management
Align the portfolio with your need for growth, income, liquidity and protection from taking unnecessary risk.
Social Security and Healthcare
Coordinate claiming decisions, Medicare timing and healthcare expenses with the rest of the retirement plan.
See How We Help People Prepare for Retirement

The SmartWealth System™

Our planning process helps organize your financial life around five connected areas:

  • Income and Investments: Turn savings and employer benefits into a sustainable retirement-income strategy.

  • Taxes: Look beyond this year’s tax return to the taxes you may pay throughout retirement.

  • Security: Prepare for Social Security, Medicare, healthcare costs and unexpected risks.

  • Legacy: Coordinate beneficiaries and estate-planning decisions with the broader financial strategy.

  • Momentum: Review and adjust the strategy as your life, the markets and tax laws change.

Explore the SmartWealth System™
smartwealth circle

One Retirement. One Coordinated Strategy.

Our SmartWealth System™ organizes your retirement decisions around five areas:

Income and Investments
Determine how much you can reasonably spend, where your income will come from and how your investments should support that income.
Taxes
We evaluate how withdrawals, Roth conversions, Social Security, pensions and required minimum distributions may interact over the course of retirement.
Security
Your investment strategy should support your retirement income needs, time horizon and comfort with risk—not simply chase performance.
Legacy
We incorporate Medicare decisions, healthcare expenses and potential long-term care needs into the broader retirement conversation.
Momentum
Continue reviewing and adjusting the strategy as tax laws, markets, family circumstances and retirement goals change.
Explore the SmartWealth System™

Why Blacksburg-Area Families Work With Martin Wealth

A Nearby Fiduciary Team
Our Christiansburg office is close enough for an in-person relationship, with virtual appointments available when they are more convenient.
Experience With Retirement Transitions
Our work is centered on people age 50 and older who are moving from earning and saving to withdrawing and spending.
Advice That Connects the Pieces
Investment decisions are made in the context of income, taxes, Social Security, healthcare and legacy—not in isolation.
Clear Recommendations
We explain the tradeoffs and then tell you what we recommend based upon your goals and circumstances.

Getting Started is Simple

1. Schedule Your SmartWealth Assessment
Begin with a brief conversation about what you have accumulated, when you hope to retire and what concerns you most.
2. Identify the Gaps
If we appear to be a good fit, we examine how your retirement income, employer benefits, investments and tax decisions currently fit together.
3. Put the Strategy Into Action
We help implement the recommendations and continue adjusting the strategy throughout retirement.
Schedule Your Free SmartWealth Assessment

Frequently Asked Questions

Does Martin Wealth Solutions have an office in Blacksburg?
Can you help Virginia Tech employees evaluate their retirement benefits?
Can you advise on VRS and an Optional Retirement Plan?
Do I need to move all of my accounts before speaking with you?
Do you work with clients virtually?

Bring Your Retirement Decisions Together

You have worked too hard to enter retirement with disconnected accounts and unanswered questions. Let’s determine whether your income, investments, benefits and tax strategy are working together.

Schedule Your Free SmartWealth Assessment
Serving Blacksburg, Christiansburg, Radford and surrounding New River Valley communities from our Christiansburg office.