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$2,350,000
10633307 MLS
Position your business where visibility, access, and flexibility drive results.This executive office and medical building delivers strong exposure on Princess Anne Road in the heart of Kempsville. High traffic counts, prominent signage, and dual ingress/egress from both northbound and southbound lanes put your business in front of daily demand. Spanning over 17,000 square feet, this two-story freestanding building offers scale and versatility for an owner-occupant, medical group, or investor. An elevator provides full accessibility, while 84 parking spaces support staff, patients, and clients with ease. Devised of six suites, with three current vacancies creating immediate upside:First-floor vacancy ideal for medical or high-traffic use & Two second-floor vacancies suited for professional or administrative users

5511 Princess Anne Road, Southwest 1 Virginia Beach
$1,500,000
3 Beds ⋅ 1 Baths ⋅ 10647865 MLS
Excellent potential on these 2 parcels of land totaling over 1.05 acres, on Indn. River Rd. Value strictly in the land. Zoned residential, eligible for rezoning for commercial use. Located at Indn. River Rd. and Ferry Point Rd. Near Lake James Dr. Great for a variety of uses: Retail, Mixed-Use and Office Buildings. Heavy traffic area, close access to CBN and Interstate 64. Prime location on large corner lot.

5465 Indian River Road, Southwest 1 Virginia Beach
$1,450,000
10587269 MLS
Discover this stunning custom-built office building completed in 2009. The original owner has utilized the space for two thriving businesses, featuring a dental lab on the main level. The property will be vacated upon settlement, offering a fresh start for new owners. It boasts both stairs and an elevator for effortless access between floors. Visitors are welcomed in the communal entry foyer, while each floor is equipped with handicap restroom facilities. The second level features a full private bath with a shower, providing added convenience. The downstairs features a fully equipped kitchen, ideal for staff breaks or meetings. With approximately 25 parking spots available, this property strikes a balance between functionality and accessibility, making it a valuable investment opportunity in a prime location. Don't miss out on the chance to make this versatile building your own! Exterior building has a dedicated EV Plug.

6044 Providence Road, Southwest 1 Virginia Beach
$1,395,000
7 Beds ⋅ 5 Baths ⋅ 10645968 MLS
Rare opportunity to own a 7,000+ sq ft waterfront ranch offering 7 bedrooms and 5 baths with unobstructed views down the Elizabeth River. Nearly every room captures the water, delivering stunning sunset views.Spacious layout includes a large eat-in kitchen with 2 refrigerators, 2 dishwashers, and 2 trash compactors, plus formal living and dining rooms, Florida room, and conversation pit. Two fireplaces located in the den and primary suite.Primary suite features Jacuzzi tub, steam shower, fireplace, office, and water views. Separate sauna adds to the home’s spa-like amenities. Two-level room over garage with private sundeck offers flexible space.Enjoy 2,000+ sq ft deck, boathouse, 102 LF bulkhead, electric boat lift, and approx. 30-min boat ride to Waterside. Tidal Water4-car garage, full-length walk-in attic, new water heater (2025), roof (2011).

500 Sterling Road, Southwest 1 Virginia Beach
$749,777
3 Beds ⋅ 3 Baths ⋅ 10651075 MLS
Waterfront living on the Elizabeth River! 5836 Woodstock Point offers stunning panoramic water views from most rooms, a large waterfront deck, and an incredible boating lifestyle. This spacious 3-bedroom, 3 full bath home features a light-filled great room, wood flooring, and an updated kitchen with granite countertops and stainless steel appliances. Imagine waking up each morning to stunning water views from your first-floor primary suite. Upstairs, a bedroom or office and enormous floored walk-in attic provide plenty of additional space and storage. Enjoy beautiful sunsets or head out on the river from the private community dock and your own boat lift. Updates include newer double-hung vinyl windows, crawl space improvements with poly vapor barrier, and fresh interior paint. Low condo fees include lawn and flower bed maintenance.

5836 Woodstock Point, Southwest 1 Virginia Beach
$749,000
5 Beds ⋅ 3 Baths ⋅ 10650751 MLS
Beautiful one-owner home in Hunts Pointe on the Elizabeth subdivision! Approx. 3,125 sq. ft., 5BR/3BA on a Newly surveyed 13,945-sq.-ft. (.32-acre) 6 ft white vinyl fenced lot. Dramatic 2-story family room with gas fireplace & mantel, high ceiling, plus formal living & dining rooms. Spacious kitchen features granite counter tops, maple cabinetry, stainless appliances, gas range, walk-in pantry, large island with prep sink, eat-in area & ceramic tile. True 1st-floor bedroom currently used as office. Primary suite offers Frenchdoor entry, tray ceiling, 2 walk-in closets & 2 storage rooms; bath has double sink vanity & jetted tub with ceramic tile surround. One other bedroom has a walk-in closet. Both HVAC systems replaced 8/2023. Fully owned solar-no loan/lease 2019, Andersen windows, LVT, & carpeted bedrooms. Large attic with solar fan, deck, hot tub, shed, raised garden beds & fruit trees. Ring security, kitchen appliances, washer/dryer & blinds convey. Seller-provided home warranty.

557 Hunts Pointe Drive, Southwest 1 Virginia Beach
$700,000
4 Beds ⋅ 3 Baths ⋅ 10654663 MLS
Imagine coming home to a waterfront Virginia Beach retreat where mature trees frame the day, generous spaces invite everyone to stay awhile, with room for celebrations and everyday moments. Tucked into Ballylinn Shores, 6604 Pinewood Court offers 3,235 square feet, four bedrooms and three full baths—a home designed for living comfortably, gathering beautifully and creating a life that feels settled, on the Eastern Branch of the Elizabeth River. Inside, fresh paint and an inviting mix of new luxury vinyl plank flooring, existing ceramic tile and new bedroom carpet give the home a refreshed, move-in-ready feel while preserving its distinctive character. New countertops bring an updated finish to the kitchen and baths, creating a natural hub for morning coffee, weeknight dinners and conversations that linger. Multiple living spaces including an in-law suite with separate entrance on the lower level, offer the flexibility modern life demands—room to entertain friends, host holidays, work from home, give guests privacy or simply find a quiet corner at the end of the day. Four bedrooms and three full baths make the layout appealing for buyers who value space and versatility. At 3,235 square feet, there is room to spread out without losing the warmth that makes a house feel like home. Outside, established landscaping and towering trees create the kind of privacy newer neighborhoods can take decades to achieve—an inviting backdrop for slow mornings, relaxed weekends and evenings spent enjoying home. Recent improvements add confidence: a new roof, plus both HVAC systems recently serviced. The result is a home that feels refreshed and ready for its next chapter. Ballylinn Shores places you within Virginia Beach with convenient access to shopping, dining, recreation and major commuter routes. Here, space, privacy and connection come together with ease. Others make you picture holidays around the table, friends filling the house, peaceful Sunday mornings and years of memories still waiting to happen. This is the latter - A spacious VB home ready to become part of your story.

6604 Pinewood Court, Southwest 1 Virginia Beach
$599,900
5 Beds ⋅ 2.1 Baths ⋅ 10652442 MLS
Lovingly maintained 5-bedroom, 2.5-bath home on a desirable corner lot in sought-after Fairfield! This spacious home offers two separate living areas, including a cozy family room with a brick wood-burning fireplace and wood-beamed ceiling. The eat-in kitchen features a striking brick accent wall, abundant cabinetry, and plenty of storage. Two versatile rooms offer flexibility for a home office, playroom, hobby space, or additional living area. A spacious laundry room and half bath complete the main level. Upstairs are four generously sized bedrooms, including a spacious primary suite with two closets and an updated private bath. Relax on the screened porch overlooking the private backyard with wooded views. Recent updates include HVAC (2024), water heater (2025), front windows; roof (2008). Move in and make this home yours!

629 Ben Bow Drive, Southwest 1 Virginia Beach
$550,000
4 Beds ⋅ 3.1 Baths ⋅ 10643874 MLS
This beautifully updated, move-in-ready home in Virginia Beach's sought-after Fairfield community offers 4 bedrooms, 3.5 bathrooms, and over 2,200 square feet of comfortable living. Rebuilt from the foundation up in 2013, it features fresh interior paint, new exterior shutters, a brand-new deck, a new fence, a newly encapsulated crawl space, and other updates throughout. Located in the Kempsville school district and just minutes from parks, shopping, dining, and major highways, this home combines modern updates and is centrally located in Virginia Beach. Enjoy spacious living areas, a private backyard for entertaining, and a home that's ready for its next owners. Schedule your private showing today!

600 Pleasant Hall Drive, Southwest 1 Virginia Beach
$549,000
4 Beds ⋅ 2.1 Baths ⋅ 10649998 MLS
3BR, 2.5 BATH BRICK RANCH. MANY NEW UPDATES INCLUDING WINDOWS, EXTERIOR TRIM, FLOORING, PAINT, KITCHEN AND BATHS INCLUDING CABINETS, VANITIES, GRANITE TOPS AND STAINLESS APPLIANCES. NEW HVAC IN ROG. FENCED REAR YARD. VERY CONVENIENT LOCATION CLOSE TO SHOPPING AND INTERSTATE.

685 Lord Dunmore Drive, Southwest 1 Virginia Beach
$545,000
4 Beds ⋅ 3 Baths ⋅ 10654980 MLS
Rare opportunity in sought-after Kempsville Heights! This spacious 4-bedroom, 3-full-bath home offers approximately 2,590 square feet and incredible potential for buyers looking to make a home their own. While the interior is ready for cosmetic updates, the home has great bones, a functional floor plan, and the opportunity to build instant equity with your personal touches. Enjoy generous living spaces, large bedrooms, and plenty of room for entertaining or everyday living. What truly sets this property apart is the included second parcel of riverfront land, providing waterfront views, added privacy, or simply preserve a beautiful natural setting. Conveniently located near shopping, dining, parks, schools, bases, and major interstates. Don't miss your chance to transform this hidden gem into something truly special. Home is being sold as-is, where-is. To be sold with the riverfront lot behind the house.

204 Oakengate Turn, Southwest 1 Virginia Beach
$545,000
4 Beds ⋅ 3 Baths ⋅ 10653224 MLS
Home sweet home. This gem is located in the Woodstock area of Kempsville with a stunning view of the Elizabeth River. The expansive driveway accommodates many vehicles, complemented by an attached garage and an upper-level room conveniently connected to a full bathroom. This home boasts a total of four bedrooms and three full bathrooms. Notable, additional rooms include a formal dining room, formal sitting room, living room, sunroom, and a kitchen that seamlessly connects to two of the other open-concept rooms, creating an inviting atmosphere with stunning views from within the home or on your back deck. Everyday is a staycation here!

5917 Woodhaven Court, Southwest 1 Virginia Beach
$539,900
3 Beds ⋅ 2 Baths ⋅ 10652462 MLS
Welcome to Avalon, a hidden gem in the heart of historic Kempsville! This charming one-level, all-brick ranch offers comfortable living and plenty of room to enjoy both indoors and out.Situated on nearly an acre, the spacious lot offers endless possibilities—whether you’re dreaming of a pool, additional outdoor living space, or exploring the potential for an accessory dwelling unit (ADU), subject to applicable zoning and city approvals.The oversized family room and large deck provide plenty of space for gatherings, entertaining, or simply relaxing outdoors. Conveniently located near Virginia Beach Town Center, Downtown Norfolk, shopping, dining, and easy access to I-64 via Indian River Road.

608 Avalon Avenue, Southwest 1 Virginia Beach
$525,000
4 Beds ⋅ 2 Baths ⋅ 10654305 MLS
Welcome to 5333 Academy Road! This spacious Virginia Beach home offers plenty of room to spread out, with inviting living spaces, a cozy fireplace, and a bright sunroom for relaxing, entertaining, or enjoying your morning coffee. Step outside to two Trex decks, giving you multiple low-maintenance outdoor spaces to host friends, unwind, or enjoy the backyard. With a great mix of indoor and outdoor living, this home offers the space, comfort, and versatility you've been looking for. Conveniently located near shopping, dining, schools, and all that Virginia Beach has to offer!

5333 Academy Road, Southwest 1 Virginia Beach
$524,900
4 Beds ⋅ 3 Baths ⋅ 10639618 MLS
Recent appraisal for 560K. Escape to waterfront paradise in this stunning Virginia Beach 2 stories-style home! With its perfect blend of indoor and outdoor living, you'll fall in love at first sight. The spacious interior boasts four bedrooms (a very large main bedroom), a cozy living room, den, dining room - great for entertaining, working, or relaxing. The expansive yard is great for outdoor gatherings, while the driveway can accommodate 4+ vehicles. Recent updated kitchen, bathrooms and LVP flooring. Plus, enjoy new stainless-steel appliances and ample storage space. With its prime location in a sought-after area, this home offers the ultimate coastal lifestyle.

969 Sunnyside Drive, Southwest 1 Virginia Beach
$500,000
5 Beds ⋅ 2.1 Baths ⋅ 10653478 MLS
Welcome to 5416 Birnam Landing, where spacious living and relaxed coastal style come together in the heart of Virginia Beach. With 5 bedrooms, 2.5 baths and 2,388 square feet across two stories, this home offers the space and flexibility to live, gather and grow comfortably. Step inside to discover beautiful new flooring and a light, welcoming interior designed for everyday living. The fireplace creates a natural gathering place and adds warmth and character to the main living space—perfect for quiet evenings at home or entertaining family and friends. Five bedrooms provide incredible versatility, with room for guests, a home office, fitness space or whatever best fits your lifestyle. The thoughtful two-story layout offers separation between living and private spaces while still feeling connected and inviting. Outside, a generous 500-square-foot garage provides exceptional room for vehicles, beach gear, bikes, paddleboards, storage and all the extras that come with enjoying life near the coast. There is something special about a Virginia Beach home that gives you room to breathe while keeping you connected to everything you love about the area. From mornings at home to afternoons exploring the beach, waterways, restaurants and local favorites, 5416 Birnam Landing offers the space, comfort and easygoing lifestyle you've been looking for. Five bedrooms. New floors. A fireplace. An oversized garage. And a place that simply feels like home. Welcome to 5416 Birnam Landing.

5416 Birnam Landing, Southwest 1 Virginia Beach
$499,000
4 Beds ⋅ 2.1 Baths ⋅ 10654627 MLS
Don't miss this spacious corner-lot home in the desirable Woods of Avalon community. With nearly 3,000 sq ft, 4 bedrooms, and 2.5 baths, this property offers an abundance of living space rarely found at this price point. The flexible floor plan features a sunlit converted garage, formal living room, family room with gas fireplace, and a large addition off the kitchen ideal for entertaining. The primary suite includes a walk-in closet and ensuite bath. Fresh paint throughout enhances the home's appeal. Enjoy a quiet neighborhood with mature trees, attractive streetscapes, no HOA, and easy access to shopping, parks, and the highly regarded Kempsville school district. Homes with this much space and versatility don't come along often. Schedule your showing today. Some photos have been virtually staged.

540 Rodney Lane, Southwest 1 Virginia Beach
$499,000
4 Beds ⋅ 3.1 Baths ⋅ 10653936 MLS
Nestled in the established and desirable suburban community, this spacious 4-bedroom, 3.5-bath home offers comfort and features designed for everyday living. With two ensuite bedrooms, the home is ideal for multi generational living, hosting overnight guests, or creating a private retreat. The inviting kitchen has stainless steel appliances, a hood range, and butcher-block countertops. The newer roof provides added peace of mind, while the wood-burning fireplace creates a cozy gathering space on cool evenings. Enjoy your own in ground pool with a newer liner. The backyard provides an inviting space for outdoor entertaining, or simply relaxing poolside. Conveniently located with easy access to military bases, major interstates, shopping, dining, and local attractions. Carolan??ne Farms is more than a location it’s a place to call home!

5328 Sir Barton Drive, Southwest 1 Virginia Beach
$495,000
3 Beds ⋅ 2 Baths ⋅ 10653768 MLS
Beautifully updated brick ranch in Virginia Beach! This home features a bright open layout, modern kitchen with quartz countertops and stainless appliances, cozy living room with fireplace, and a charming sunroom overlooking the spacious yard. Convenient location near shopping, bases, and beaches!

5157 Anvers Road, Southwest 1 Virginia Beach
$489,900
5 Beds ⋅ 2 Baths ⋅ 10653241 MLS
Welcome to 5664 Rushmere Dr in the Kempsville area of Virginia Beach! This beautifully renovated home blends classic character with fresh, modern style. Bright, fresh paint and new LVP and carpet throughout create a clean, inviting feel, while thoughtful designer touches add a polished finish. The updated kitchen features crisp cabinetry, granite countertops and stainless steel appliances, while the beautifully renovated bathrooms showcase stylish finishes and modern details. Enjoy multiple comfortable living spaces, including a bright enclosed sunroom with exposed brick and abundant windows, for relaxing or entertaining. The spacious living area features a striking brick fireplace and an open flow into the kitchen. With its charming brick exterior, refreshed landscaping and inviting interior, this home is move-in ready and offers the perfect blend of comfort, character and modern updates in a convenient Kempsville location.

5664 Rushmere Drive, Southwest 1 Virginia Beach
$486,900
5 Beds ⋅ 3.1 Baths ⋅ 10645612 MLS
Owned by just two families since it was built, this beautifully maintained 5 bedroom, 3.5 bathroom colonial has been thoughtfully updated while preserving the warmth and character that make a house feel like home. Freshly painted throughout with new ceiling fans in every bedroom, this move in ready home offers generous living spaces designed for everyday living and entertaining. The kitchen offers ample cabinet and counter space and opens seamlessly to the bright sunroom, creating a comfortable flow between the main living areas. A dedicated office provides flexibility for working from home, studying, hobbies, or additional living space. Upstairs, the primary suite is a relaxing retreat featuring a cozy wood burning fireplace, a generous walk in closet, and updated bathroom vanities. Another bedroom on the second floor features a private ensuite, offering additional privacy and flexibility within the home's layout. Filled with natural light, the sunroom is a wonderful place to enjoy your morning coffee, read a good book, or simply relax while overlooking the backyard. Major updates include a brand new hot water heater, new HVAC ductwork, and a roof that will be replaced prior to closing, providing added peace of mind. Combining classic colonial charm with thoughtful updates and evident pride of ownership, this Virginia Beach home is ready for its next owners.

6205 Antioch Street, Southwest 1 Virginia Beach
$480,000
4 Beds ⋅ 2.1 Baths ⋅ 10641617 MLS
Seller will pay towards buyers closing costs. This home is located is Lake James Neighborhood. Kitchen has been completely updated, New floors, freshly painted. Huge Master bedroom & Large Master bathroom. Other bedrooms are very nice size with another bath on the 2nd floor and a half bath on the first. All bedrooms have walk in closets Large room over the garage which could be a 4th bedroom. Large family room with fireplace and built in book cases and Formal Living room & Dining room. You can see the lake from the front yard. Call or text the agent for showings. There is a bottom floor room the main level that has the complete master bedroom/and huge master bathroom.

5413 Wallingford Arch, Southwest 1 Virginia Beach
$479,000
5 Beds ⋅ 3.1 Baths ⋅ 10652132 MLS
This 5 bed 3.5 bath VA Beach home has new floors, new paint, new ceiling fans, updated bathrooms, tons of cabinet space, granite counters, primary HVAC 2025. 2 primary suites, massive sunroom. Separate entrance and mini split HVAC for private first floor suite--perfect for in-laws, adult children, home office. Massive detached 2 car garage with separate Dominion meter-- perfect for a workshop or make it an ADU--plenty of power available. Lot is .60 acre-- the space to homestead combined with nearby shopping, highways, and easy access to bases! Flood insurance not required.

5725 Cheyenne Circle, Southwest 1 Virginia Beach
$455,000
4 Beds ⋅ 2.1 Baths ⋅ 10649909 MLS
Welcome to this hidden gem in the sought-after Arrowhead neighborhood! Unlike many of the older homes in the area, this property is decades newer while still offering the charm and convenience of the neighborhood. The home features just the right amount of updates to make it truly move-in ready, including an updated kitchen and bathrooms, engineered hardwood flooring, a spacious deck, and a nice shed offering plenty of storage and endless possibilities. New LVP flooring downstairs 2026, Shed 2025, Windows 2023, Dehumidifier 2023, New Vapor Barrier 2022, Primary Bath renovated 2023 with waterproof interlocking tiles, Kitchen update with new cabinetry, new tiles and new 2021, half bath updated 2021, All appliances 2021, new convention/air fryer oven 2025, Ceiling fans 2019 and 2021, Chimney new caps, sealed and repaired 2019, Backyard TREK flooring deck 2018, Hot water heater 2021, Three HVAC parts have been replaced in the last 10 years, Split AC in Frog is 2021 and all paid-off Solar Panels. Conveniently located with easy access to I-64 and I-264, this home offers both comfort and convenience. Come see all this hidden gem has to offer! With a clean slate, there’s plenty of room to make this home your own. Conveniently located with easy access to I-64 and I-264, This home will give you comfort and convenience. Come see everything this house has to offer!

219 E Ottawa Road, Southwest 1 Virginia Beach
$450,000
4 Beds ⋅ 3 Baths ⋅ 10655313 MLS

648 Charlecote Drive, Southwest 1 Virginia Beach
$450,000
3 Beds ⋅ 2 Baths ⋅ 10653700 MLS
Come for the beautifully remodeled home—stay for the sunsets! Tucked away in a quiet Virginia Beach neighborhood, this updated waterfront ranch offers easy one-level living, an open-concept design and spectacular lake views. The remodeled kitchen features granite counters, new appliances, center island and eat-in area. Fresh paint, new flooring and updates continue throughout, including two beautifully updated baths with tile and granite counters. Relax in the sunroom overlooking the lake and enjoy incredible sunsets over the water. HVAC is just 3 years old, and the solar panels will be PAID IN FULL, offering the benefit of solar energy with no solar loan or lease payment and the potential for lower electric costs. The waterfront backyard is ready for your vision. Move-in ready, beautifully updated and offering peaceful waterfront living!

816 Hoffman Avenue, Southwest 1 Virginia Beach
$450,000
4 Beds ⋅ 3 Baths ⋅ 10652433 MLS
This 4-bedroom, 3 full bath home in Virginia Beach offers 1929 of sqft and strong potential. Vaulted ceilings and an open living area create a spacious feel, while hardwood floors run through the stairs, hallway and one bedroom. The primary suite includes a full bath, and additional rooms offer flexible space. A $10,000-seller concession with a full price offer may be applied toward filling in the pool. Ideal for buyers ready to update and add value.

6112 Partridge Drive, Southwest 1 Virginia Beach
$449,950
4 Beds ⋅ 2.1 Baths ⋅ 10654883 MLS
Welcome home to this beautifully updated 4-bedroom, 2.5-bath traditional home in the sought-after Arrowhead neighborhood of Virginia Beach! Completely remodeled and move-in ready, this home offers a fresh, modern feel throughout. The updated kitchen features granite countertops and stainless steel appliances, complemented by LVP flooring throughout the main living areas and comfortable carpeting in the bedrooms. With 4 spacious bedrooms and 2.5 baths, there is plenty of room to live, work, and entertain. Step outside to a fully fenced backyard offering added privacy, along with a storage shed perfect for tools, hobbies, or additional storage. Conveniently located near the interstate, shopping, dining, and everyday amenities.

221 Iroquois Road, Southwest 1 Virginia Beach
$449,000
5 Beds ⋅ 3 Baths ⋅ 10654303 MLS
This stunning, turn-key one-story home checks all the boxes. Enjoy this home, remodeled in 2026 with a new roof, new driveway, new windows, updated kitchen with shaker cabinets and stone tops, updated baths with tile, a new water heater, a new 2-zone HVAC system, new flooring, modern fixtures and fresh paint. Enjoy ultimate peace of mind with brand-new interior/exterior water and sewer lines. The spacious layout boasts a formal dining room and open living spaces. Enjoy quiet evenings in the private backyard and so much more. Come see it today!

1012 Towanda Road, Southwest 1 Virginia Beach
$449,000
5 Beds ⋅ 2.1 Baths ⋅ 10648865 MLS
Welcome to 5875 Percheron Lane, a spacious Virginia Beach home offering 5 bedrooms, a FROG, and plenty of room to live, work, and entertain! The huge laundry/mudroom provides excellent functionality and storage, while generous closet space throughout the home helps keep everything organized. Enjoy plenty of garage space for parking, storage, or hobbies. Step outside to a great backyard featuring an above-ground pool and shed, both conveying as-is. With a spacious layout and fantastic indoor and outdoor living areas, this home has room for everyone. Conveniently located in Virginia Beach near shopping, dining, parks, schools, and major roadways. Don't miss the opportunity to make this one yours!

5875 Percheron Lane, Southwest 1 Virginia Beach

Some listings may be duplicated in the search results due to the co-mingling of listings from more than one multiple listing service. Should there be different listing information between the duplicated listings; user is advised to verify the accuracy of the listing information before making any financial decisions.