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118 Woodcreek Road

(540) 586-1792

Our Mission is to share with you how your retirement system works and to share with you how Tax-Sheltered Accounts work so you can make the right decisions for yourself. We want to earn the right, over time, to be considered, by you, as your retirement resources and planning professionals.

Our representatives are committed to building long-term relationships. We know that people aren't ready to implement a product or plan right away, and that's perfectly fine.

The Need for Retirement Planning:

Our most well received program has been our no obligation Retirement Planning Analysis Program, which consists of two parts--A presentation that shows, in general, how your retirement system works, and a Personalized Retirement Analysis, that can show you how to maximize your own, individual retirement income potential.

Many retirees, even those with 30 or more years of service, find that their retirement income is far from adequate--often less than 50% of their final salary.

Most people spend more time planning a two-week vacation than in planning for a thirty year retirement. A few minutes of appropriate retirement planning can help avoid some retirement mistakes.

The TSA Advantage:

The government has set up a program specifically to help educators and employees of qualified non-profits fill their income void--a section 403(b) arrangement, Tax-Sheltered Accounts, "TSA's" as they are called.

You can literally save thousands of dollars each year in taxes. You can defer current taxes and tax deferred earnings from your own retirement account.

Flexible Investment Options:

VRSI's single most important advantage over our competitors is our investment flexibility. This means that you can select from a wide array of products and vendors, to best fit your individual situation and risk tolerance . . . you have the opportunity to have a "self-directed" investment program.

We have a "Common Remitter" payroll slot in over 130 VRS or educational organizations throughout the state--as well as with the Commonwealth of Virginia, which covers most state workers.

We Represent You:

VRSI is an independent retirement planning organization providing these services statewide in Virginia. We are Virginians serving Virginians. We are here to serve You as your insurance, investment and retirement needs change. We take pride in this. If you would like to find out how to receive the professional advice of this independent, statewide retirement planning organization . . .

Or, if you would like to receive your own personalized retirement analysis . . .

Or, if you would like to learn how to utilize tax-deferred strategies that the government has created for educators and employees of qualified non-profit organizations . . .

Or, if you already have a TSA and are concerned about which is the best retirement payout option to fit your particular situation . . .

Or, if you would simply like to invite one of VRSI's local representatives to make a presentation to a group of your employees or to individuals in your organization . . .

Then, please contact us!

And remember . . . all presentations, individual analysis and private consultations provided by Virginia Retirement Specialists are without obligation!!!