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$624,900
4 Beds ⋅ 2.1 Baths ⋅ 10655513 MLS
Get ready to fall in love with the Valley Ridge by Bishard Homes, now available to build at Spencer’s Watch! Designed for those who crave the ease of first-floor living, this stunning plan offers both the primary suite and laundry on main level. With 4 bedrooms and 2.5 baths, this layout blends everyday functionality with the flexibility your family needs. Beautiful open staircase in the foyer leads to 3 more bedrooms upstairs with hall bath great for family, office, or hobby hang out area. Located in the heart of North Suffolk near Bennett’s Creek and Harbour View, you are just minutes away from the best shopping, parks, and major commuter routes in Hampton Roads. This new construction gem truly checks all the boxes for long-term comfort and style. Reach out today to start exploring this incredible floor plan! ** Pics of similar finished home with optional upgrades.

MM "The Valley Ridge" @ Spencer's Watch, Northeast Suffolk

$624,900
6 Beds ⋅ 3 Baths ⋅ 10653975 MLS
Absolutely stunning 6-bedroom, 3-bath home offering space, style, and comfort! A bright two-story foyer welcomes you into this well-designed home featuring formal living and dining rooms, a spacious eat-in kitchen with center island, breakfast bar, abundant cabinetry, and plenty of workspace. The kitchen opens to a cozy family room with a gas fireplace and access to the backyard, making it perfect for entertaining. Upstairs, the expansive primary suite boasts vaulted ceilings, a large walk-in closet, and a private bath with dual vanities, soaking tub, and separate shower. Five additional spacious bedrooms provide flexibility for guests, a home office, or hobbies. Enjoy outdoor living in the large fenced backyard featuring both an open deck and a spacious screened porch, ideal for relaxing, grilling, or hosting family and friends. A must-see home!

308 Turnstone Drive, Northeast Suffolk

$620,460
4 Beds ⋅ 2.1 Baths ⋅ 10650461 MLS
MOVE-IN READY NEW CONSTRUCTION WITH BEAUTIFUL NANSEMOND RIVER VIEWS! Why wait to build when you can move in now? Seller is offering interest rate buydown opportunities for qualifying buyers who use the seller’s preferred lender! Welcome to the Alden, a spacious and versatile home in River Highlands designed for the way you live today. From the moment you arrive, the covered front porch, inviting foyer, and formal dining room set the stage for a home that feels both welcoming and functional. At the heart of the home, the kitchen features quartz countertops, stainless steel appliances, generous cabinetry, and plenty of prep space, flowing seamlessly into the open family room and bright morning room. Expansive windows frame the peaceful Nansemond River views, creating a wonderful space to enjoy your morning coffee, entertain guests, or unwind at the end of the day. A private study/flex room and powder room complete the main level. Upstairs, generously sized bedrooms provide plenty of room to spread out. The impressive primary suite features two walk-in closets and a spa-inspired bath with a separate tiled shower, soaking tub, and double-bowl vanity—your own private retreat at the end of the day. Located just minutes from Downtown Suffolk, shopping, dining, Sentara Obici, and major commuter routes, River Highlands offers the rare combination of water views, spacious living, privacy, and everyday convenience. Move-in ready, river views, and available financing incentives—this one is ready for you now! Schedule your private tour today and ask about how to save up to $55K in builder incentives with the use of the builder’s preferred lender. Photos are virtually staged.

122 Getty Road, Northeast Suffolk

$618,990
5 Beds ⋅ 3 Baths ⋅ 10651603 MLS
Welcome to the Hayden model at Smith Farm in Suffolk, VA -a thoughtfully designed two-story home offering open-concept living with flexible spaces to suit your lifestyle. The main floor features a spacious living and dining area, a modern kitchen with a walk-in pantry, a full bedroom and bathroom, and a versatile flex room perfect for a home office or playroom. Upstairs, enjoy a large secondary living area, a luxurious primary suite with two walk-in closets and a private en-suite bath, plus three additional bedrooms, a full bath, and a convenient laundry room. Located in the vibrant Smith Farm community within Jolliff Landing, residents also enjoy access to premium amenities including a clubhouse, pool, fitness center, playground, and walking trails-all nestled in the charming city of Suffolk, blending countryside beauty with modern convenience. Photos and renderings are from builder's library, actual finishes and features may vary.

5120 Duxbury Road, Northeast Suffolk

$618,470
4 Beds ⋅ 2.1 Baths ⋅ 10628198 MLS
The Waterford blends innovative design with stunning sightlines throughout. Engineered beams replace traditional columns in key areas, creating a spacious feel and visual flow from the front Living Room to the rear Kitchen or optional Sunroom. At the heart is our largest gourmet Kitchen, featuring expansive counters, a grand island, Breakfast Area, and Tech Center. A smart Entrance from the Garage offers stylish storage for daily essentials. The adjacent Family Room boasts sloped ceilings and a cozy gas fireplace. Upstairs, a striking staircase leads to three Bedrooms, a Full Bath, and a luxurious Owner's Suite. Part of our Estates Collection, The Waterford offers unmatched flexibility with options like a Sunroom, Screened Porch, upstairs Media Room, extended walk-in closet, or two alternate downstairs Bedroom and Bathroom layouts to suit your lifestyle. Large lots. Love Where You Live in one of North Suffolk's premiere locations!

MM Waterford, Northeast Suffolk

$617,400
4 Beds ⋅ 3 Baths ⋅ 10650486 MLS
The Florence is a brand-new offering which blends open-concept living, structural options, and everyday functionality in a layout built for modern life. Only now available at Spencer’s Watch! A spacious open dining and family room flows seamlessly into the kitchen, oversized island, breakfast nook, creating one inviting gathering space designed for everything from weeknight dinners to holidays and entertaining. Personalize the first floor to fit your lifestyle with available options including a first-floor guest suite with full bath, formal dining room, fireplace, expanded covered porch, screened porch, sunroom, and outdoor living upgrades. Upstairs, The Florence continues to impress with spaces designed to adapt as your needs change. The spacious Owner’s Suite features a large walk-in closet and well-appointed bath with dual vanities, private water closet, and oversized shower.

MM "The Florence" @ Spencer's Watch, Northeast Suffolk

$615,000
5 Beds ⋅ 3.1 Baths ⋅ 10653186 MLS
Golf-course views, a first-floor primary suite, and sought-after Harbour View location! This meticulously maintained, one-owner brick-front home sits on a quiet cul-de-sac overlooking the sixth tee. Enjoy a spacious first-floor primary bedroom with blackout shades, a light-filled sunroom, updated downstairs carpet and kitchen flooring, and a fully fenced backyard. Outdoor living shines with a 28' x 12.5' Trex deck, custom paver patio, irrigation system, and peaceful golf-course scenery. Major improvements include a gas-pack HVAC system and dishwasher replaced in 2024, first-floor back windows replaced 2025, 2018 roof replaced, and brick steps repointed in 2026. Fully encapsulated crawl space with dual-dehumidifier system for enhanced protection and peace of mind. Convenient to shopping, restaurants, medical facilities, interstates, military bases, and Hampton Roads beaches.

5110 N Kemper Lakes Court, Northeast Suffolk

$614,900
5 Beds ⋅ 3.1 Baths ⋅ 10646881 MLS
Escape to your own private oasis with this stunning 5-bedroom, 3.5-bath masterpiece, perfectly blending the peace of country living with modern suburban convenience -- quiet, country-style relaxation on 5+ acres just minutes from city amenities. First floor boasts completely-open floor plan with brand new LVP and neutral tones. Primary suite with separate shower and soaking tub, dual sinks, and a pair of spacious closets. 3 additional bedrooms, full bath, laundry and new carpet round out the 2nd floor. Entire 3rd floor dedicated to what is essentially a second suite with closet and full bath. Stay frosty in summertime and cozy during winter with your dual heat-pump, 3-zone HVAC system. Garage, parking pad, and driveway offer plenty of space for your cars, trucks, RV, boats -- no HOA to tell you “no!” Just minutes from schools, public park (with pier and boat launch!), hospitals, shopping, interstate, police/fire, CG and Naval facilities. This is one you DON'T want to miss!

3930 Pughsville Road, Northeast Suffolk

$610,000
4 Beds ⋅ 2.1 Baths ⋅ 10654296 MLS
Buyers will love the lifestyle this exceptional home has to offer! Where else will you find an all-brick rancher boasting 2,796 square feet of living space, including a FROG, situated on 5.35 acres in the stately center of a one-street cul-de-sac community—with tranquil wetlands lining the backyard? This home delivers just the right amount of boujee! The inviting open-concept layout features a well-appointed kitchen flowing into the family room with a gas fireplace and adjoining sunroom. Additional living space includes a spacious recreation room with a bar, formal living and dining rooms, and a versatile FROG complete with skylight. With four bedrooms, two full baths, one half bath, abundant living space, and plenty of room to enjoy the surrounding acreage, this property offers comfort, privacy, and a distinctive lifestyle. Come see it for yourself! This may be the one you have been waiting for!

5856 Bernhowe Manor Lane, Northeast Suffolk

$609,900
4 Beds ⋅ 2.1 Baths ⋅ 10651129 MLS
Welcome home to this well-maintained all-brick 4-bedroom, 2.5-bath ranch on a quiet cul-de-sac lot in sought-after Nansemond River Estates. The spacious primary suite features an en-suite bath with jetted tub, separate shower, and double-sink vanity. Enjoy formal living and dining rooms, plus a cozy family room with vaulted ceiling and gas fireplace that opens to a bright sunroom. The spacious kitchen offers a dine-in breakfast area, two pantries, and a butler’s pantry, ideal for entertaining. Bedrooms two and three share a Jack-and-Jill bath. The massive FROG with an additional large room provides excellent flex space—perfect for a teen suite, mother-in-law suite, home office, or bonus living area. A rare opportunity in a prime location!

3405 Dumpling Court, Northeast Suffolk

$609,045
4 Beds ⋅ 3.1 Baths ⋅ 10654944 MLS
ESTIMATED COMPLETION OCTOBER 2026—RIVER VIEWS, FLEXIBLE SPACE, AND A FLOOR PLAN BUYERS LOVE! Welcome home to the popular Highland in River Highlands, offering 4 bedrooms, 3.5 baths, versatile living spaces, and picturesque views of the Nansemond River. The open-concept main level is built for everyday living and entertaining. A spacious family room flows directly into the dining area and gourmet kitchen, where you’ll find a large center island, pantry, wall ovens, gas cooktop with hood, and plenty of prep space. Need a dedicated office, sitting room, or bonus space? The flexible room off the foyer gives you options, while the mudroom entry from the garage adds everyday convenience. Step outside and enjoy the setting from the covered rear patio, where peaceful river views and natural surroundings create a beautiful backdrop for morning coffee, outdoor dining, or relaxing at the end of the day. Upstairs, the private primary suite is thoughtfully separated from the secondary bedrooms and features a spacious walk-in closet and en-suite bath with a tiled shower and double-bowl vanity. Three additional bedrooms—each with its own walk-in closet—plus two full baths provide plenty of room for family, guests, or hobbies. A centrally located upper-level flex room gives you even more possibilities for a media room, playroom, homework area, or second living space. The second-floor laundry keeps daily routines simple and convenient. Located just minutes from Downtown Suffolk, shopping, dining, Sentara Obici, and major commuter routes, River Highlands delivers a perfect mix of river views, space, privacy, and convenience. River views, flexible living, and an October 2026 completion—this Highland checks all the boxes. Schedule your private tour today and ask about how to save up to $25K in builder incentives with the use of the builder’s preferred lender. Virtually staged photos are of a similar model and are for illustrative purposes only.

116 Getty Road, Northeast Suffolk

$601,740
4 Beds ⋅ 2.1 Baths ⋅ 10645199 MLS
Welcome to Smith Farm, a charming community in Suffolk, Virginia, featuring thoughtfully designed single-family homes with open-concept layouts and abundant natural light. Introducing The Salem, a beautifully crafted home designed for comfortable everyday living and effortless entertaining. The main level showcases a spacious family room, a gourmet kitchen, a casual dining area, a versatile flex room, and convenient first-floor laundry. The luxurious FIRST-FLOOR PRIMARY SUITE offers a private retreat complete with a large walk-in closet, walk-in shower, dual vanities, and a private water closet. Upstairs, you'll find three additional bedrooms, a full bath, and an expansive bonus room with two walk-in closets, providing exceptional space for recreation, work, or guests. Step outside and enjoy the outdoor patio, perfect for relaxing or entertaining. Located in the heart of Suffolk, VA, residents enjoy the perfect blend of small-town charm and modern convenience. Known for its rich history, scenic riverfront views, vibrant downtown district, parks, museums, festivals, and easy access to Hampton Roads, military bases, and surrounding metropolitan areas, Suffolk offers a lifestyle that truly has it all. Buyer incentives are available with the use of a preferred lender, making homeownership easier than ever. Enjoy an exceptional home-buying experience with an amazing sales team dedicated to helping you find the perfect place to call home. Photos are for illustrative purposes only; actual features, finishes, and options may vary.

1020 Eastport Place, Northeast Suffolk

$600,000
3 Beds ⋅ 2.1 Baths ⋅ 10648716 MLS
Stylish and sophisticated, this home will meet the expectations of your most discerning buyers. Special features include a sunroom, recessed lighting throughout, pull down steps to attic with flooring for storage, gourmet kitchen w/ huge island, wiring for generator w/plumbed gas line, stylish mud room, 2 zone HVAC paired w/smoke & carbon monoxide detectors. The primary bedroom features a tiered ceiling & recessed lighting, huge walk in closet, bath with soaking tub, 2 sinks, large tile shower. There is a built in wine fridge & cabinetry plus upstairs features an open office or home school room. A large 2 car garage w/sink & door opener, inviting porch, & rear patio adds to the easy living of this comfortable home. Backing up to an open area & community walking trail, the yard is open & ready for outside activities. Small neighborhood, no through traffic, cul de sac lot, near shopping & restaurants plus easy access to several major roads making it convenient to all Hampton Roads.

1013 Strawberry Court, Northeast Suffolk

$600,000
4 Beds ⋅ 2.1 Baths ⋅ 10647943 MLS
This stunning, all BRICK Ranch, integrates a charming blend of elegance, comfort and space combined with fantastic curb appeal with a most spectacular private rear yard Oasis. The Home showcases 4 bedrooms and 2 and one half baths, 2907 square feet on approximately 3/4 acre with gorgeous floral gardens, mature trees and masterfully designed landscaping. It offers an expansive Main Floor Primary Suite with a spa-like bath ensuite that includes double vanities, soaking tub & tiled shower with a large walk in closet. Staircase leads to optional 4th Bedroom/versatile Bonus room with closet above Oversized 2 Car Garage/Workshop with a separate exterior side entrance. Cathedral Ceiling in main living, open floor plan area with a gas fireplace, gleaming wood flooring, separate dining room, gourmet kitchen, stainless appliances, bar area & breakfast nook, 3 main level bedrooms & laundry, large front porch and a rear deck that overlooks the most spectacular backyard Oasis! This is "THE ONE"!

8776 Adams Drive E, Northeast Suffolk

$599,998
4 Beds ⋅ 3 Baths ⋅ 10646632 MLS
Now offered at $599,998! Rare no-HOA Warrington Estates brick ranch with solid brick construction, 4BR/3BA main-level living, 0.45-acre cul-de-sac lot, immense driveway, 4 total garage spaces, and detached finished flex space. Major high-cost components are already handled, including 2018 architectural roof, transferable lifetime window warranty, brand-new 17 SEER A/C, efficient gas water heater, irrigation, fresh modern light paint, updated flooring, real hardwood, smart-home features, and Bose Lifestyle surround sound that conveys for theater-like enjoyment. The detached 2-car garage/flex building is insulated, walled, painted, carpeted/finished, and highly usable as-is. With minor changes and buyer due diligence, it offers maximum flexibility for office, gym, workshop, recreation, hobbies, storage, guest overflow, or multi-generational living possibilities. Slate pool table conveys. See the value beyond recorded square footage.

321 Saint Brie E, Northeast Suffolk

$599,950
4 Beds ⋅ 3 Baths ⋅ 10648212 MLS
Welcome to 110 Creek Lane in Sought-After Suffolk's Premier vibrant 55+ community! This spectacular DETATCHED condominium offers stunning custom upgraded finishes throughout. Enjoy beautiful views of the water and sunsets from the second level covered deck. The first floor features a spacious primary suite with an en suite bath and private covered patio leading to your own enclosed courtyard. You'll find an additional bedroom and full bath on the main level, great for guests or an office. Upstairs, discover two additional bedrooms, a full bath, and oversized flex room that opens to a covered porch-perfect for relaxing and entertaining! Enjoy the convenience of a 220V garage outlet for your electric vehicle. Outdoors you will enjoy the 10 ft. extended outdoor patio with custom pavers and artificial turf for easy maintenance. Additional highlights include custom accent walls, built-in mudroom cabinetry and a gourmet kitchen with upgraded cabinets, tile backsplash and quarts countertops. This custom home has it all!

110 Creek Lane, Northeast Suffolk

$599,900
3 Beds ⋅ 3 Baths ⋅ 10653636 MLS
MOVE-IN READY - LAST CHANCE for a brand-new home in The Landings at Bennett's Creek! Built by Sasser Construction, this home offers main-level living in a unique 55+ waterfront community adjacent to Bennett's Creek Marina. Enjoy hardwood floors throughout the first floor, a vaulted great room with stone fireplace and built-ins, and a covered side porch. The gourmet kitchen features upgraded granite, custom cabinetry, a 36" gas cooktop, wall oven/microwave, and oversized island. The luxurious primary suite includes a zero-entry tiled shower and walk-in closet with custom shelving. Additional features include 3 full baths, a room over the 2-car garage, laundry cabinetry with built-in sink, and walk-in attic storage. Convenient to Harbour View, shopping, dining, and waterfront recreation.

100 Creek Lane, Northeast Suffolk

$599,770
3 Beds ⋅ 2.1 Baths ⋅ 10621473 MLS
The Marino, a spacious value packed open floor plan designed for modern living. The Marino features a first-floor primary suite with cathedral ceilings, an open concept main living area and a gourmet kitchen with an oversized island and covered porch off to the side. The second story includes two bedrooms, an additional bath, and a loft overlooking the great room. This flexible design can be expanded to include a 4th bedroom, a full generational suite with sitting area and kitchenette, a keeping room off kitchen, screened porch, sunrooms and more. We also offer a third car garage in addition to the already spacious garage that comes with the home. With 2334 -2968 sq feet of living space, explore the many ways you can choose to make this floor plan fit your lifestyle! Let's not forget the exterior space! Our large lots give you plenty of room to enjoy the outside of your home as well!

MM Nansemond River Estates (Marino), Northeast Suffolk

$597,240
4 Beds ⋅ 3.1 Baths ⋅ 10654239 MLS
November Move-in! The Irwin floorplan features a versatile two-story design. A first-floor bedroom with an attached full bath provides a fantastic option for multigenerational living, extended-stay guests, or a private home office setup. The open-concept kitchen serves as the heart of the home, showcasing sleek granite countertops, top-of-the-line appliances, ample cabinetry, and generous counter space. The kitchen flows seamlessly into the dining and living areas. Upstairs, the primary suite includes a large walk-in closet and a modern en-suite bath. Two additional bedrooms and another full bath offer plenty of room. A convenient first-floor half bath and a 2-car garage with storage complete the layout. Take advantage of exceptional savings when you finance with the preferred lender! Photos and renderings are from builder's library, actual finishes and features may vary.

1006 Eastport Place, Northeast Suffolk

$594,900
6 Beds ⋅ 2.1 Baths ⋅ 10643461 MLS
Thoughtfully designed with attention to detail, this stunning six-bedroom home offers nearly 2,900 square feet of beautifully appointed living space. The gourmet kitchen is equipped with gas appliances and opens seamlessly to the main living areas, creating a great setting for both everyday living and entertaining. The home boasts six spacious bedrooms including the serene primary suite featuring a spa-inspired bath complete with a freestanding soaking tub. The third floor offers incredible versatility with abundant storage and endless possibilities to create a game room, home theater, fitness studio, home office, or additional living space tailored to your needs. Outside, the expansive backyard provides plenty of room to relax, play, or entertain.

4020 Pughsville Road, Northeast Suffolk

$590,695
3 Beds ⋅ 3 Baths ⋅ 10618618 MLS
BUILDERS MODEL HOME! TONS OF UPGRADES. Enjoy low-maintenance living and an active lifestyle in this new construction home located in a welcoming 55+ community in the Harbour View area of Suffolk. Designed for connection and comfort, this open-concept home features primary bedroom and office/secondary bedroom on the first floor. Large loft, guest room and flexible space with the option for a fourth bedroom, bonus room, or guest retreat. Built by a well-established local builder, this community is ideal for those seeking social opportunities, neighborly gatherings, and easy living. Visit the model home daily from 12-5 and ask about current builder incentives. We also have other models with varying completion timelines.

1103 Elaina (Lot 44) Place, Northeast Suffolk

$590,000
5 Beds ⋅ 2.1 Baths ⋅ 10647179 MLS
Welcome to 112 Affirmed Drive in Nansemond Reserve community in Suffolk! Built in 2022, this spacious 5-bedroom, 2.5-bath home offers approximately 3059 square feet across two levels. The thoughtfully designed layout includes a first-floor flex room used as a bedroom, office, or study, breakfast area, pantry, and an enclosed sunroom. The kitchen features granite countertops and opens to inviting living spaces accented by a fireplace. Upstairs, you’ll find additional bedrooms and plenty of room to make the home your own. Enjoy a privately fenced corner lot, an attached two-car garage, and community amenities that include playgrounds, maintained common areas, and a dog park. Additional highlights include a tankless water heater and a Vivint home security system. HOA dues have been paid for the year. Conveniently located in the Nansemond Reserve community, this move-in-ready home offers space, comfort, and modern features throughout.

112 Affirmed Drive, Northeast Suffolk

$589,900
3 Beds ⋅ 2 Baths ⋅ 10654406 MLS
The "Barnes" is one of our largest plans. The Versatile plan offers something for everyone, Primary Suite, Laundry & all main living on one floor. Front Dining Room leads to open Kitchen, Custom cabs paired w/ your choice of counters & appliances & Breakfast nook. Great Rm w/optional Electric/Gas Fireplace that leads to rear covered patio - Outdoor gas fireplace also available. 1st floor beds include Primary Suite w/ Tray Ceiling & En-suite bath w/ double bowl vanity, soaking tub, separate shower & HUGE walk in closet. Optional 2nd floor is home to beds 4 & 5 separated by Loft/family room, Full bath & storage. Visit our Design Gallery & work w/ our Design Professional to make the selections best for you! Ask about our available builder incentive using builder's preferred lender and title company!

MM Barnes At River Club, Northeast Suffolk

$586,900
5 Beds ⋅ 3.1 Baths ⋅ 10654414 MLS
The "Azalea" welcomes you w/ covered front porch. Formal Dining/Study in the Front & Drop Zone. L shaped Kitchen w/ custom cabinets, your choice of counters & Energy Star Appliances. Island offers extra storage & a great spot for meal prep. Breakfast Nook w/ sliding glass door access to rear patio looks into Great Room w/ Gas Fireplace if added. 1st flr bed. 2nd flr boasts 4 beds, spacious Loft & Laundry Rm. Primary Suite is truly an oasis w/ 2 WIC, Sitting Rm & En-Suite Bath. Lots of choices available to personalize home to your needs! Finished w/ modern & energy efficient features from the ground up. Visit our Design Gallery & work w/ our Design Professional to make the selections best for you! Ask about our builder incentives with the use of builder's preferred lender and title company!

MM Azalea At River Club, Northeast Suffolk

$584,900
6 Beds ⋅ 4 Baths ⋅ 10632005 MLS
Nature lovers retreat in Nansemond River Estates. All brick home w/6 BRs 4 full BTHs, +3 en-suites. 1st floor BR and full BTH. Eat-in kitchen open to large family room. Tray ceilings in formal dining, a bedroom up+Primary BR. All BRs are very large. Massive primary BR, closet, + BTH. PBTH w/dual vanities, dressing table, jetted tub, separate shower. Tons of storage. 2 Brand new HVACs+crawl termite/moisture inspection passed along w/new vapor barrier. Oversized double car garage w/driveway space for 6 cars. Large TimberTech deck w/lighting, 2 natural gas hookup for grill, LRG stamped patio, 220V power for future needs IE: hot tub. White vinyl privacy fence w/double gates. Fruit trees on property. Community has a kayak launch, pavilion picnic tables, playground+nature trails. 6min to Sleepy Hole Golf Course, Suffolk community park w/fishing pier+High School. Back on market at no fault to the sellers.

3351 Oyster Creek Drive, Northeast Suffolk

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.