Financial Advisor in Virginia Beach, VA
1.oak Financial serves Virginia Beach families from its headquarters at 5005 Colley Avenue in Norfolk, about fifteen minutes from Town Center. Mike Milligan, CFP® and the team build the One of a Kind Financial Plan™ around each client's story: tax, retirement income, investments, long-term care, and legacy.
Virginia Beach clients reach the 1.oak office in Norfolk in about fifteen minutes on I-264, and nobody has to make the drive: the first meeting is a free Zoom call, and the weekly radio show reaches the whole of Hampton Roads on WNIS-AM 790 every Saturday and Sunday morning.
The largest city in Virginia retires in its own way. Oceana pilots and Dam Neck personnel weigh military pensions against second careers. Business owners along the oceanfront and in Town Center sell or hand down what they built. Families in Great Neck and Kempsville juggle college costs against their own retirement dates. The One of a Kind Financial Plan™ was built for exactly that variety. It starts with your story, then arranges tax strategy, retirement income, investments, long-term care, and legacy planning around it.
Your Guides in Virginia Beach
Hear the team first: The One of a Kind Financial Show airs Saturdays 8–9 AM and Sundays 7–8 AM on WNIS-AM 790 across Hampton Roads. Stream past shows.
Michelle Costner is insurance licensed in health, life, and annuities insurance in the state of Virginia. Investment advisory services are offered through Mike Milligan, an Investment Advisor Representative of Advisory Alpha, LLC. Michelle Costner is not an Investment Advisor Representative and is not licensed to provide investment advice.
The One of a Kind Financial Plan™, built for Virginia Beach
Tax Planning
Withdrawal order, Roth conversion timing, and bracket management built around the state facts below, so more of what you saved stays yours.
Retirement Income Planning
A month-by-month income picture that answers one question: can the life you want here be paid for, for as long as you live it?
Investment Management
Portfolios managed with Advisory Alpha's investment team, held at Fidelity, Charles Schwab, and American Funds.
Long-Term Care Planning
The HALO health analysis puts numbers on the risk everyone avoids talking about, before it makes the decisions for you.
Legacy Planning
Documents, beneficiaries, and the family conversation, so what you built lands where you intend it to.
Flat Fee Planning
A comprehensive plan for a straightforward, predetermined fee, so you know exactly what you're paying and what you're receiving.
What’s different about planning in Virginia Beach
- Virginia does not tax Social Security benefits, and taxpayers 65 and older may qualify for an age deduction of up to $12,000 depending on income.
- Virginia Beach is the most populous city in Virginia, and its retiree households range from military pensions out of NAS Oceana to small-business sales along the resort strip, two situations with very different tax pictures.
- Eligible military retirees in Virginia may subtract a capped amount of military retirement income on their state return, which matters in a city with one of the country's largest veteran populations.
State tax details current as of 2026 and subject to change; your plan is built on the rules in force when it is written, alongside your tax professional.
Virginia Beach questions, answered plainly
Does 1.oak Financial meet with Virginia Beach clients?
Yes. Clients meet at the Norfolk office on Colley Avenue, about fifteen minutes from most of Virginia Beach, or over Zoom. The first call is complimentary and books through the Book a Call button or (757) 909-7151.
Do you work with military retirees from Oceana or Dam Neck?
Regularly. Military pensions, Survivor Benefit Plan elections, TSP rollovers, and the timing of a second career are common threads in Virginia Beach plans, and they are coordinated inside the One of a Kind Financial Plan™.
Does Virginia tax retirement income?
Virginia does not tax Social Security. Other retirement income is generally taxable, with an age deduction of up to $12,000 for those 65 and older who qualify, plus a subtraction for eligible military retirement pay. The plan works through your specific numbers.
How do I hear more before committing?
Tune into The One of a Kind Financial Show, Saturdays 8–9 AM and Sundays 7–8 AM on WNIS-AM 790, or stream past episodes on the radio show page. When you're ready, calls are complimentary.
Serving Virginia Beach, VA zip codes
- 23450
- 23451
- 23452
- 23453
- 23454
- 23455
- 23456
- 23457
- 23459
- 23460
- 23461
- 23462
- 23464
