Retire With Confidence. Your Future, Your Terms.
Market swings, rising taxes, and healthcare costs can quickly erode your savings. Together, we’ll transform reliable financial strategies into a clear plan that protects your income, lowers taxes, and builds lasting retirement confidence.
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Retirement Has Changed. So Should Your Strategy.
Retirement today isn’t what it used to be. Longer lifespans, rising taxes, and unpredictable markets can quickly derail even the most disciplined savers. Without a personalized plan, you’re left guessing whether your money — and your peace of mind — will last.
How We Build Your Secure, Tax‑Smart Plan
We start by getting to know your goals, income needs, and financial priorities. From there, we build a retirement plan that protects what you’ve earned, reduces unnecessary taxes, and keeps your income steady for the years ahead.
Tailored Retirement Planning for You
Every person’s path to retirement is different. Our role is to make sure yours is steady, tax‑efficient, and aligned with what matters most to you. Here’s how we help you turn your goals into a plan that feels clear and secure:
Personalized Retirement Banking Solutions
Tailored plans that align your income, savings, and lifestyle goals.
Tax‑Smart Investment Strategies
Thoughtful investment approaches designed to reduce taxes and grow wealth.
Wealth Protection Planning
Reliable strategies to help safeguard assets from market volatility.
Lifetime Income Stream Creation
Structured income solutions that support financial independence in retirement.
1‑on‑1 Financial Strategy Sessions
Personalized guidance from an advisor who understands your goals.
About Us
Cedar Forge Financial helps individuals and families near retirement protect what they’ve built and prepare for the years ahead with clarity and confidence. Our focus is on creating secure, tax‑efficient strategies that bring stability, reduce financial stress, and preserve your peace of mind.
Justin Pinkston, CEO and Retirement Consultant, has over 20 years of experience guiding Virginia families through every stage of retirement planning. Known for his practical approach and community values, he combines professional insight with personal care to help clients retire confidently and live with purpose.
What Our Clients Say
“Justin explained every step of our retirement plan in simple terms. For the first time, we feel confident about where we stand.”
— Michael & Renee H., Midlothian, VA
“Cedar Forge helped us protect our savings and set up income we can rely on. We finally have peace of mind about the future.”
— Sarah P., Richmond, VA
“The personal attention we received made all the difference. We never felt rushed — just supported and understood.”
— Thomas D., Chesterfield, VA
Take the Next Step Toward Financial Security
Whether you’re five years from retirement or already enjoying it, the right plan can make all the difference. Let’s build one that protects what you’ve earned and supports the life you want to live.
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Download Your ChecklistFrequently Asked Questions
How much do I need to retire comfortably?
The amount depends on your income goals, lifestyle, and existing savings. During your strategy session, we’ll calculate your personalized retirement number and show how to protect it from inflation and taxes.
When should I start planning for retirement?
Ideally, you should begin in your 40s or 50s, but it’s never too late. A structured plan today can help reduce taxes, protect your income, and create stability for the years ahead.
How do you protect my savings from market risk?
We focus on balancing growth with protection through reliable, income‑focused strategies. The goal is to help your money last while keeping your principal safe during market volatility.
What makes Cedar Forge Financial different from other firms?
We combine Wall Street‑level expertise with personalized, local guidance. Every strategy is built around your specific goals, not pre‑set investment products or one‑size‑fits‑all plans.
Is there a fee for the first consultation?
No, your initial retirement strategy call is completely complimentary. It’s an opportunity to review your current plan, identify potential risks, and explore ways to strengthen your financial future.