“Financial literacy equips clients with the knowledge to manage their finances in conjunction with their goals. My desire is to provide that source of understanding so clients know our relationship is a partnership in which goals are realized together.”
Shelly Braden, CFP®, BFA™
Senior Wealth Advisor
Williamsburg
As a Senior Wealth Advisor in PBMares Wealth Management’s Williamsburg office, Shelly Braden has a passion for providing holistic financial planning to families and individuals.
Shelly graduated from Golden Gate University with her Masters of Science in Financial Planning and Taxation with a concentration in Estate Planning. She is a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) having completed the CFP Board’s rigorous standards through the University of California, Los Angeles (UCLA). Shelly also holds her Behavioral Financial Advisor™ designation.
In her spare time, Shelly enjoys running and baking bread. She is also a member of the Junior Women’s Club of Williamsburg. Originally from North Carolina, she now resides in Williamsburg with her husband, Forest and son, Bowie.
Insights Authored by Shelly Braden, CFP®, BFA™
Financial Planning for the LGBTQ Community
For members of the LGBTQ community, securing financial peace of mind can be particularly pressing. Read on for special considerations.
RMD and Estimated Tax Payments: Considerations and Tax Strategies
Many taxpayers may not realize that taxes are not automatically withheld from RMDs. There are tax strategies to manage estimated tax payments, but the deadline of Dec. 31 is quickly approaching.
Financial Terminology 101: Ten Terms Every Investor Should Know (Plus One Bonus Term)
There is an abundance of financial terms that get thrown around in news, market reports, and even conversations with advisors. This article sums up 10 common investment and financial terms that every investor should know.
Maxing Out 401(k) Savings for High Earners
High earners face additional contribution restrictions to employer-sponsored 401(k) plans. Being aware of these restrictions and how to navigate them can help maximize retirement savings.
A Closer Look at Charitable Giving
Charitable giving has many benefits on its own. Some taxpayers wrongly assume it is always beneficial for taxes, but that depends on individual tax circumstances and the type of donation.
Is 2021 the Year to Gift?
It should come as little surprise that Congress seeks ways to generate revenue given current spending levels. So what has been proposed and how might it affect high net worth estate and gift planning?
Understanding the Role of Cognitive Bias and Economic Bubbles
Lately, there have been several stories regarding the possibility that the U.S. economy is in a stock market bubble. It seems whenever there are extended time periods with high growth, the word bubble appears and investors start to become uneasy. So, what are bubbles and should we be concerned with them?
Let’s Talk About Those Physical Stocks in Your Safety Deposit Box
Taking steps now to transfer your physical stock to electronic will take a considerable burden off of your executor. Not only that, if you are able to transfer your physical stock while you are alive, you may also be able to retitle said stock so that it avoids probate.
Navigating “Per Stirpes” Election for Beneficiary Designations
It is important to think about what would happen should any of your primary or contingent beneficiaries pass away before you. If your intent is to leave behind a legacy for that particular beneficiary's heirs, adding the Per Stirpes designation may be advantageous.
SECURE Act: Potential Implications to Naming Your Trust as Retirement Beneficiary
Since the SECURE Act passed in December of 2019, several clients have reached out regarding the so-called “10 Year Rule” which stipulates all retirement assets must be distributed to certain beneficiaries within 10 years of the client’s passing.
Wealth Transfers in a Low Interest Rate Environment
Turbulent markets affect not only your portfolio, but your livelihood. As we continue to monitor this unsettling time we also see opportunity. The economic downturn coupled with historically low interest rates may provide unique wealth transfer opportunities.