Refine Search
Sort by
3223 Huntwick Lane, Northeast Virginia Beach
$960,000
4 Beds ⋅ 3.1 Baths ⋅ 10626181 MLS
This renovated North End condo is located 2 blocks off the beach and is the perfect mix of privacy and beach fun! Easy access to the best restaurants at the oceanfront! Located a couple of blocks from the ocean, the setting is private with brick walls surrounding. There is plenty of parking including the oversized garage, assigned parking, and visitor parking. It boasts custom tile bathrooms and backsplashes, new hardwood floors down, refinished hardwood up, brand new windows, paint, shiplap in many locations, plaster walls, wet bar with beverage cooler quartz counters, new all wooden cabinets with soft close doors and drawers, 36 inch gas stove, drawer microwave, pot filler. The primary has an extra sitting room with double pocket doors that can be closed off for privacy, 2 closets, huge walk-in shower with double shower heads and double rain shower heads, custom tile and so much more. The floor plan is bright and wide open. To see this one is to love it!!

3223 Huntwick Lane, Northeast Virginia Beach

208 77th Street Unit A, Northeast Virginia Beach
$957,000
4 Beds ⋅ 3 Baths ⋅ 10643690 MLS
Enjoy the very best of North End living in this beautifully constructed 4 bedroom, 3 full bath home on coveted 77th Street, which is known for its mature trees, beautiful architecture, and quiet, low traffic setting. Just moments from the beach, a stoplight crossing provides easy access to the sand, while nearby First Landing State Park offers miles of scenic hiking and biking trails. Quality craftsmanship shines throughout with fiber cement siding, Ipe (Brazilian hardwood) decks, a slate front porch, Andersen windows, hardwood floors, custom solid wood doors, granite countertops, stainless steel appliances, and two gas fireplaces with marble surrounds. The spacious primary suite features dual vanities, a jetted tub, and a frameless glass shower. Additional highlights include dual zone HVAC, a hot water recirculating system, thoughtful landscaping for exceptional privacy, and an oversized garage with detached storage shed.

208 77th Street Unit A, Northeast Virginia Beach

7605 Atlantic Avenue, Northeast Virginia Beach
$950,000
10611560 MLS
Fully renovated North End oceanside duplex just steps from the 76th Street beach access! This versatile property offers a total of 8 bedrooms, 3 full baths, and two half baths, with a 5BR/3.5BA upstairs unit and a 3BR/1.5BA downstairs unit—ideal for house hacking, multi-generational living, co-ownership, or use as a single family home. Recent updates include two brand-new kitchens, triple-pane windows, white cedar-look siding, new gutters, fresh paint, new light fixtures and vanities, and refinished original hardwood floors in Unit B. Exterior improvements feature a new two-car driveway, stamped concrete patios, mature landscaping, and a detached garage with parking for up to eight cars. Priced below the City of Virginia Beach assessment, this turnkey property offers exceptional flexibility and value in one of the most desirable neighborhoods at the beach. Owner/Agent.

7605 Atlantic Avenue, Northeast Virginia Beach

506 24th Street, Northeast Virginia Beach
$945,000
5 Beds ⋅ 3.1 Baths ⋅ 10628123 MLS
3 weeks from completion - New construction single-family home located in Beach Borough at the Virginia Beach Oceanfront, less than half a mile from the beach. This open-concept floor plan features a spacious family room, dining area, and modern kitchen designed for comfortable living and entertaining. Kitchen highlights include quartz countertops, stainless steel appliances, white cabinets, pantry storage, and luxury vinyl plank flooring throughout the first floor. The second level features an owner’s suite with LVP flooring, walk-in closet, double vanity, and tiled curbless shower. A second suite offers a private stand-up shower, while two additional carpeted bedrooms share a full hall bath. LVP flooring extends through the upstairs hallway. Conveniently located near dining, shopping, and entertainment.

506 24th Street, Northeast Virginia Beach

837 Five Point Road, Northeast Virginia Beach
$940,000
5 Beds ⋅ 3 Baths ⋅ 10591184 MLS
Welcome to this beautifully updated all brick ranch in the heart of Virginia Beach. Offering over 2,700 sq ft of comfortable living space, this move-in-ready 5 bedroom, 3 bath home sits on a rare, oversized 1+ acre wooded lot with broad, peaceful lake views. 5th BR is FROG. New HP, 2018; Kitchen, 2019; windows, 2021; pool liner, 2021; pool cover, 2023. Enjoy your morning coffee or unwind in the sunroom, host gatherings on the large patio and two backyard decks, cool off in the in-ground pool while overlooking the beautiful, bulkheaded lakefront. Inside, you'll find thoughtful updates such as fresh paint, new bathrooms, and new kitchen with stainless appliances! Darkroom is built into garage. Property offers the perfect combination of space, serenity, and outdoor living while being just minutes from shops, beaches, and bases in one of Virginia Beach's most sought-after neighborhoods! Come see this rare gem's beauty in person today!

837 Five Point Road, Northeast Virginia Beach

1805 Claiborne Place, Northeast Virginia Beach
$937,500
5 Beds ⋅ 3.1 Baths ⋅ 10608290 MLS
Discover this stately 5-bedroom, 3.5-bath home on nearly half an acre in highly desirable Green Hill Farms. Soaring ceilings and spacious living areas create a welcoming, open feel, perfect for everyday living and entertaining. The kitchen features a bright eat-in area, butler’s pantry, and walk-in pantry, while the formal dining room offers ample space for hosting unforgettable gatherings. Retreat to the primary bedroom with en-suite bath, relax in the upstairs sitting area, or use the FROG as a fifth bedroom or home office. A full attic with permanent stairs provides abundant, accessible storage. Homes in this neighborhood rarely come on the market—don’t miss this chance to make it your forever home.

1805 Claiborne Place, Northeast Virginia Beach

1740 Valhalla Arch, Northeast Virginia Beach
$935,000
4 Beds ⋅ 3 Baths ⋅ 10630883 MLS
Come see this beautiful brick ranch nestled on half-acre lot in the Linkhorn Cove section of Alanton! You will love the large fenced backyard with a detached structure perfect for a workshop, gym, gaming center, party room or storage shed. The interior of the home is so welcoming, with a vaulted ceiling and gas fireplace in the family room, formal living & dining rooms and a remodeled eat-in kitchen with bar. The primary bedroom plus 2 other spacious bedrooms are located on the 1st floor, and the FROG (finished-room-over-garage) is accessible from the kitchen area and is near a remodeled full bath off the laundry room. You will love relaxing on the screened-in porch and hosting large patio parties in the summertime. This home has been meticulously maintained with numerous updates throughout including a whole house generator (2022), replaced water heater (2023), replacement windows, new well pump (2023), new driveway (2023) & more! Close to the neighborhood park. Immaculate condition.

1740 Valhalla Arch, Northeast Virginia Beach

267 Ocean Hills Road, Northeast Virginia Beach
$935,000
4 Beds ⋅ 4 Baths ⋅ 10614881 MLS
Ocean Hills brings location, space & value just 2 blocks from the ocean and 1 block from the historic Cavalier Hotel. This spacious townhome offers a flexible floor plan with 3 ensuite bedrooms, a dedicated office/den and hardwoods throughout. The first floor features a primary suite with a custom walk-in closet and a laundry room. Step outside to your private covered patio & fenced backyard with exterior gate. The second floor is ideal for entertaining, offering a bright, open layout with skylights, vaulted ceilings and includes an office/den, dining area, and living space plus a deck for outdoor dining. The updated kitchen features granite countertops, stainless steel appliances, and built-in pantry. The upper level includes 2 additional ensuite bedrooms with walk-in closets. Updates include a 30-year architectural roof & Hardie Plank siding -2022, Pella windows & new electric panel -2010, and HVAC -2018, water heater -2024. Amenities include private pool and landscaped grounds.

267 Ocean Hills Road, Northeast Virginia Beach

1429 Ashley Drive, Northeast Virginia Beach
$935,000
5 Beds ⋅ 3.1 Baths ⋅ 10602932 MLS
Welcome to 1429 Ashley Drive — a beautifully renovated 5-bedroom, 3.5-bath ranch in the heart of Alanton. Offering 2,652 sq ft of stylish living, this home features two ensuite bedrooms, hardwood floors, fresh paint, and updated windows. The chef’s kitchen boasts custom cabinetry, GE Café dual fuel range with double ovens, and a wine cooler, opening to the family room. The primary suite addition offers a spa-like bath with steam shower, solar tube, and deck access. Relax year-round in the screened porch with gas fireplace or on the deck overlooking the lush half-acre lot. Natural gas heating, dual-zone HVAC, and detached 2-car garage complete this move-in ready home. Close to Alanton/Baycliff Recreation Center/Pool, Alanton Elementary, First Colonial High, and just minutes from the Bay and Oceanfront!

1429 Ashley Drive, Northeast Virginia Beach

2924 Breezy Road, Northeast Virginia Beach
$930,000
3 Beds ⋅ 2 Baths ⋅ 10601805 MLS
Experience the ultimate waterfront lifestyle with this stunning property featuring 176 feet of prime waterfront and direct deep-water bay access. Boating enthusiasts will appreciate the floating dock and two boat lifts, making days on the water effortless. Inside, you’ll find a thoughtfully designed 3-bedroom, 2-bath home with luxury vinyl flooring throughout for style and durability. The home is equipped with Pella windows, a tankless water heater, and a climate-controlled 2-car garage for year-round comfort. Outdoors, the property shines with new landscaping, irrigation system, and majestic mature live oaks providing natural beauty and shade. Enjoy plenty of space for family and guests with extra parking, and recreational opportunities with your own basketball court, custom made outdoor grill, cedar outdoor shower. Electric car charger. This is a rare opportunity to own a beautiful waterfront retreat that blends comfort, convenience, and recreation—all in one exceptional property.

2924 Breezy Road, Northeast Virginia Beach

1309 Hawaiian Drive, Northeast Virginia Beach
$925,000
5 Beds ⋅ 3.1 Baths ⋅ 10645359 MLS
From morning coffee on the porch to long afternoons by the pool, every day feels like a vacation in this thoughtfully updated 5-bedroom, 3.5-bath home in Mill Dam Landing. Nestled on a quiet cul-de-sac in the heart of Great Neck, the flexible floor plan features hardwood floors, exceptional storage, and a first-floor bedroom with an en suite bath, ideal for guests, multigenerational living, or a home office. The sunroom overlooks the heated saltwater pool, creating a private backyard retreat. Classic plantation-style porches add timeless appeal. Upstairs, the spacious primary suite offers two walk-in closets, dual vanities, a soaking tub, and a separate shower. Enjoy the best of Virginia Beach with easy access to the Alanton Pool, Great Neck Recreation Center, Chesapeake Bay beaches, top-rated schools, shopping, dining, and interstates.

1309 Hawaiian Drive, Northeast Virginia Beach

123 Pinewood Road, Northeast Virginia Beach
$925,000
3 Beds ⋅ 3.1 Baths ⋅ 10613545 MLS
Welcome to 123 Pinewood Road in the historic Linkhorn Park Neighborhood of Virginia Beach. Located on a large lot (.95 acres) on the Princess Anne Country Club golf course, within a few blocks of restaurants, beach, grocery store, the City’s new concert venue, The Dome, and the Wave Park. This home has been in the same family since 1941, never before on the market. Large first floor primary suite added in 2008, room over garage and garage added about 1996. Three heat pump systems are approximately 2022, 2008, and 2005. Whole house generator (2024), Tankless hot water heater (approximately 2008). The home has a large primary suite on the first floor, two bedrooms on the second floor (one with en-suite bath) as well as a large room over the garage that could be a fourth bedroom. Update this home to make your own or tear down to build your new home…the location is stunning and convenient to all the beach has to offer!

123 Pinewood Road, Northeast Virginia Beach

1417 Ashley Drive, Northeast Virginia Beach
$925,000
5 Beds ⋅ 3 Baths ⋅ 10602458 MLS
ALANTON! Beautiful brick ranch offering 5 bedrooms & 3 full baths on .45 acres in the heart of sought-after neighborhood. Featuring an open floor plan, brand-new roof with warranty, new deck, fresh paint, & new flooring, this move-in ready home shines. The spacious primary ensuite boasts a raised ceiling, huge walk-in closet, large bath with dual head walk-in shower, & a door to the patio. Kitchen with bar seating, stainless steel appliances & new refrigerator. Washer/dryer utility room. Bonus room upstairs is perfect for a media room or 5th bedroom & includes two access doors to attic storage. Enjoy the large front porch, freshly painted oversized 2-car garage with side door & private back yard surrounded by mature trees, perfect for entertaining or just relaxing. Conveniently located near the Alanton-Baycliff Recreation Center pool & in a highly desired school district. Seller has & will provide clear termite/moisture letter from Terry Morton Termite Inspection Services.

1417 Ashley Drive, Northeast Virginia Beach

2504 Broad Bay Road, Northeast Virginia Beach
$915,000
3 Beds ⋅ 2 Baths ⋅ 10645801 MLS
Live the good life on Bay Island! With your own dedicated boat slip on Lone Pine Road, you're on Broad Bay, the Lynnhaven River, the Chesapeake Bay, and Virginia Beach's finest waterfront dining within minutes. Tucked in one of the city's most beloved coastal neighborhoods, this expertly maintained 3-bedroom, 2-bath ranch sits on an elevated 23-foot lot in Flood Zone X — no flood insurance required, a rare and meaningful advantage that buyers in this ZIP code know to look for. Inside, original 1958 hardwood floors and dentil crown molding grace the formal living and dining rooms and was thoughtfully carried into the 2022 kitchen renovation — honoring the home's character while embracing what's new. The kitchen features quartz countertops and a THOR 36" 6-burner professional gas range with convection oven. The brand-new primary bathroom (2026) delivers a skylit bath with custom cabinetry, oversized tiled shower, freestanding tub, and a custom closet. A skylit sunroom pours natural light into the home year-round, and a fireplace with gas logs anchors the living room for cooler evenings. The systems are equally impressive: Weil-McLain gas boiler (2016), Trane HVAC (2018), whole-house Generac generator (2023), new water heater (2024), and an encapsulated crawl space with dehumidifier. Roof replaced 2020. Foundation reinforced with new beams and jack stabilizers. Two-car attached garage with new doors and openers (2020) — and an Ice-O-Matic nugget ice maker, because the good ice matters. Outside, mature landscaping abounds, including Star Jasmine over the pergola that perfumes the side entrance each spring. The hard-plumbed Weber natural gas grill conveys, white vinyl privacy fence, paver walks, and fully irrigated lot complete a yard built for Bay Island living. Golf-cart streets, neighbors who wave, and boat rides to dinner — 2504 Broad Bay is Bay Island life, fully dialed in.

2504 Broad Bay Road, Northeast Virginia Beach

821 Quail Pointe Cove, Northeast Virginia Beach
$910,000
5 Beds ⋅ 3 Baths ⋅ 10643553 MLS
Location, lifestyle, and timeless elegance! Welcome to Quail Point Cove, one of Linkhorn Estates' most unique enclaves, where homes rarely become available. Situated on a premier ½-acre corner lot, this stately white brick residence offers 3,738 square feet, 5 bedrooms, 3 full baths, and a resort-style backyard with an in-ground pool, pool house, mature trees, lush landscaping, and exceptional privacy. Lovingly maintained by the same owners for nearly 20 years, the home features hardwood floors, crown molding, skylights, custom built-ins, and spacious formal and casual living areas. A versatile room over the garage with a loft and full bath is ideal as a extra suite, recreation room, or home office. Minutes from Sentara Virginia Beach General Hospital, Hilltop, I-264, military bases, the Oceanfront, and zoned for the highly sought-after First Colonial.

821 Quail Pointe Cove, Northeast Virginia Beach

1536 Hidden Cove, Northeast Virginia Beach
$905,300
4 Beds ⋅ 3 Baths ⋅ 10626995 MLS
Welcome to this beautifully maintained 4-bedroom, 3-bath home tucked away on a quiet cul-de-sac in the sought-after Baycliff neighborhood of Virginia Beach. Located in the desirable Great Neck area, this home offers an open floor plan perfect for everyday living and entertaining. The spacious sunroom overlooks a private backyard, creating a peaceful retreat. A first-floor primary suite with en suite bath provides comfort and convenience. Baycliff is known for its strong sense of community, neighborhood pool, and boat ramp access. Enjoy bike rides along tree-lined streets, plus summer swim league fun at ABRC. Just minutes from shopping, dining, and the beach, this updated home combines lifestyle and location.

1536 Hidden Cove, Northeast Virginia Beach

1721 N Alanton Drive, Northeast Virginia Beach
$905,000
3 Beds ⋅ 2.1 Baths ⋅ 10641191 MLS
A charming brick ranch situated on an expansive 1.13-acre corner & wooded lot in one of Virginia Beach's most established and sought-after neighborhoods. Offering 2,138 sq ft. this home features 3 bedrooms, 2.5 bathrooms, hardwood floors, a formal living room, a formal dining room, an eat-in kitchen, and a bright sunroom that provides a comfortable space to relax while enjoying views of the surrounding property. A large deck extends the living area outdoors, creating an inviting setting for entertaining, dining, or simply enjoying the privacy and natural beauty of the mature wooded lot. Several important updates have already been completed, including a new oil furnace and hot water tank in 2025, central air replacement in 2023. The spacious lot, classic brick exterior, thoughtful floor plan, and desirable Alanton location make this property a rare opportunity to enjoy both privacy and convenience in Virginia Beach. Whether you're looking for room to spread out, space to entertain.

1721 N Alanton Drive, Northeast Virginia Beach

960 Lindsley Drive, Northeast Virginia Beach
$900,000
5 Beds ⋅ 2.1 Baths ⋅ 10641450 MLS
Welcome to 960 Lindsley Drive, a beautifully renovated 5-bedroom, 2.5-bath home in one of Virginia Beach's most desirable locations. This move-in ready home offers 2,582 square feet of updated living space. Recent improvements include a new roof, siding, kitchen with quartz countertops, appliances, lighting, fixtures, fresh paint throughout, refinished hardwood floors, and remodeled bathrooms. The primary suite features marble tile, a dual vanity, and a luxurious shower. A cozy fireplace adds warmth and character to the main living area. The flexible floor plan includes a spacious room over the garage, while outside you'll find a new deck, fresh landscaping, an in-ground pool, and playground. With extensive updates and an unbeatable location, this home is ready for its next owner to move in and enjoy. Conveniently located near Virginia Beach General Hospital, Hilltop, the Oceanfront, shopping, dining, parks, and top-rated schools!

960 Lindsley Drive, Northeast Virginia Beach

404 Lake Drive, Northeast Virginia Beach
$900,000
4 Beds ⋅ 4 Baths ⋅ 10606513 MLS
Welcome to 404 Lake Drive in Virginia Beach! This charming coastal retreat sits right on a peaceful man-made lake, just blocks from the beach—great for golf cart rides and coastal living at its best. Inside, you’ll find an open, airy layout with coastal-inspired finishes and plenty of space to entertain. The kitchen offers generous counter space for cooking and hosting. Two bedrooms and two full baths on the first floor make it so nice for guests—plus a Murphy bed in the wall! Upstairs, the primary suite features a large walk-in closet and unique hideaway storage and stylish bathroom. Step outside to your private backyard oasis complete with a fire pit area, great for BBQs with a hard line natural gas running to the grill and relaxing fall evenings. A spacious shed provides extra storage for all your beach gear. Embrace the ultimate coastal lifestyle—your dream beach home awaits!

404 Lake Drive, Northeast Virginia Beach

2504 Ships Watch Court, Northeast Virginia Beach
$900,000
3 Beds ⋅ 3.1 Baths ⋅ 10598540 MLS
Welcome to your dream coastal retreat! Nestled directly on the Chesapeake Bay, this beautifully updated 3 bedroom, 3.5 bath townhome style condo offers stunning water views, direct beach access, and a lifestyle that feels like vacation. The primary suite is a true showstopper, featuring vaulted ceilings, a fully renovated spa-like bathroom, and breathtaking views of the Bay from your private balcony. Inside, you’ll find a light and beachy aesthetic, with ceramic tile/LVP flooring on the first level and rich hardwood floors upstairs. Enjoy sunset dinners or morning coffee from one of the decks on every level and unwind as the sound of the waves becomes your daily soundtrack. Designed with accessibility in mind, the home features a handicap-accessible chair lift system to every floor, making this a rare find. Whether you're searching for a full-time waterfront home or a coastal getaway, this coastal gem delivers location and luxury right on the Chesapeake Bay.

2504 Ships Watch Court, Northeast Virginia Beach

8506 Atlantic Avenue Unit B, Northeast Virginia Beach
$900,000
4 Beds ⋅ 2.1 Baths ⋅ 10581076 MLS
Welcome to 8506 B Atlantic Avenue, your new coastal retreat! With four spacious bedrooms, two and half bathrooms and 2,715 square feet this is the ideal place! Whether it’s a primary residence, second home or investment opportunity, it’s what you’ve been waiting for. On the second floor, you’re greeted by a spacious and well-appointed kitchen and living area that’s bathed in light. All high-end stainless appliances with a gas range make this both the chef and entertainer’s delight. The open concept makes hosting a breeze as you effortlessly move from room to room. Even the oversized adjoining balcony from the living room helps bring the outside in so you can enjoy the smell of the salty sea air rain or shine. The primary suite is a treat for the senses, quietly tucked away on its own level for ultimate comfort and privacy. The bathroom boasts a double vanity, jetted bathtub, w/ large shower. You are only one block away from having your toes in the sand!

8506 Atlantic Avenue Unit B, Northeast Virginia Beach

2709 Poinciana Drive, Northeast Virginia Beach
$890,000
4 Beds ⋅ 2.1 Baths ⋅ 10634336 MLS
Gorgeous home with water views in highly sought-after Cape Story! This beautifully updated home offers coastal charm, modern upgrades, and serene water views. The home features a welcoming open-concept layout filled with natural light and timeless coastal character. The fully updated kitchen features custom cabinetry, quartz countertops, a custom backsplash, and updated appliances. Cozy evenings await by the electric fireplace, while refinished wood floors, custom built-in bookshelves and new Roman blinds add warmth and elegance. Outdoor living is exceptional with expansive rebuilt decks and stairs and a large screened in area great for relaxing or entertaining. An outdoor shower adds the perfect finishing touch after a day at the nearby beach. Additional improvements include a GAF Timberline HD roof (2019), Goodman 3.5-ton heat pump and air handler (2022), generator hookup with interlock, enclosed stilt space beneath the home, and fully fenced yard by Hurricane Fence.

2709 Poinciana Drive, Northeast Virginia Beach

1417 Franklin Drive, Northeast Virginia Beach
$885,000
3 Beds ⋅ 2 Baths ⋅ 10631732 MLS
Beautiful one-level brick ranch on quiet street in sought-after Alanton on half-acre backing to Alanton Woods. This light-filled 3-bedroom, 2-bath home offers an open, airy floor plan with great flow, a spacious sunroom, cathedral ceiling and skylights that boast inviting indoor-outdoor living. Enjoy an amazing front porch and private backyard with mature landscaping, a deck and a concrete patio with propane fire pit, plus a 5-person Jacuzzi hot tub with new Trex decking surround. Additional highlights include Anderson sliding patio doors, EV charging station (2021), wash sink, tankless gas hot water heater, hybrid gas/electric HVAC, attached garage, and attic with excellent storage space. Sought-after school district. Short distance to Alanton Baycliff Rec Center / Pool and Great Neck shopping. This is your rare opportunity to own in one of Virginia Beach’s most sought-after neighborhoods.

1417 Franklin Drive, Northeast Virginia Beach

2621 Broad Bay Road, Northeast Virginia Beach
$885,000
3 Beds ⋅ 2 Baths ⋅ 10621140 MLS
Waterfront living at its absolute finest in the highly sought-after Broad Bay Colony. This beautifully designed 3-bedroom, 2-bath home offers the ultimate coastal lifestyle with comfort, convenience, and unforgettable sunset views from the dock. Truly a boater's dream. Cruise to dinner at the area’s best waterfront restaurants. Just minutes to the Porch and a 10-minute boat ride to the Cavalier Yacht Club. Situated on an expansive .45-acre lot, with a 40-foot dock w/lighting, two boat lifts, and a floating pier. Additional pier w/floating and jet ski dock. Enjoy your coffee on the covered deck. Inviting open floor plan filled with natural light and designed for effortless entertaining. Updated kitchen w/gas cooking. Beautiful bathroom w/huge shower and double-sinks. Large basement w/office and additional rooms that could be a 4th bedroom. Tesla charging station in carport. If you’ve been waiting for true waterfront lifestyle —boating, dining, entertaining, and relaxing — this is it.

2621 Broad Bay Road, Northeast 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.