Retiring near Smith Mountain Lake should feel like reaching the life you worked for—not beginning a new list of financial worries. Martin Wealth Solutions helps individuals and couples throughout Smith Mountain Lake, Moneta, Rocky Mount and the surrounding Franklin County communities turn their savings into a coordinated retirement strategy. Through our SmartWealth System™, we bring retirement income, investments, taxes, Social Security, healthcare and legacy decisions together—so you can spend more time enjoying retirement and less time wondering whether the pieces fit.
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.
Depending upon where you live around Smith Mountain Lake, clients can meet with Martin Wealth Solutions at our Roanoke or Lynchburg office. Virtual meetings are also available for lake-area residents who prefer to meet from home.
Roanoke Office
4002 Brandon Avenue SW
Roanoke, VA 24018
540-639-4810
Lynchburg Office
3311 Old Forest Road
Lynchburg, VA 24501
540-639-4810
Many people come to Smith Mountain Lake after building careers elsewhere. Retirement may include a lake property, a second residence, several retirement accounts, investment income and decisions about whether the home should eventually remain in the family. That can create questions a basic investment plan may not answer:
Martin Wealth Solutions helps coordinate these decisions so that the property, portfolio and retirement-income strategy support the same goals.
Moving from a regular paycheck to withdrawals from savings can feel uncomfortable—even when you have accumulated enough. We help answer three fundamental questions:
The result is not simply a withdrawal percentage. It is a coordinated income strategy built around Social Security, pensions, required distributions, investment income, cash reserves and the life you want to enjoy.
Explore Retirement Income PlanningA home at Smith Mountain Lake can be both a valuable asset and an important part of the family’s story. Those two roles do not always lead to simple decisions.
One child may want to keep the property while another would prefer to sell. Ongoing taxes, insurance, maintenance and ownership responsibilities may become difficult to divide. The way a property is titled and incorporated into the estate plan can also affect how it passes to the next generation.
Martin Wealth Solutions does not provide legal advice or draft estate documents. We help clients think through the financial decisions, organize their priorities and coordinate with their estate-planning attorney and tax professionals. Planning considerations may include:
How the property fits within the overall estate
Whether heirs have the desire and financial ability to maintain it
Liquidity for taxes, expenses or unequal inheritances
Beneficiary designations and account ownership
Coordination with trusts or other legal documents prepared by an attorney
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.
Retirement at Smith Mountain Lake should be about the life your money makes possible. Let’s build a strategy that helps you enjoy it with greater clarity and confidence.
Schedule Your Free SmartWealth AssessmentOur fiduciary advisors help you make smart retirement decisions about taxes, retirement income, investments, and healthcare
.avif)
.avif)
New River Financial Group, LLC is a Registered Investment Advisor offering advisory services in the State of Virginia and other jurisdictions where exempted. New River Financial Group, LLC dba Martin Wealth Solutions.
Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions.
MWS pays a monthly membership fee plus a monthly advertising fee for being a SmartVestor Pro. The fees paid are payable regardless of whether any client chooses to communicate with or enter into an agreement with the firm.
