Financial Dynamics Blog


We help individuals and families work toward achieving their ideal retirements.

Sustaining Your Physical Health

March 31, 2021

Making the decision to incorporate a more active lifestyle at age 50 and beyond can be challenging especially if you’re recovering from an injury or are navigating a health setback. If you don’t have your health, your wealth really doesn’t matter. Consider these fitness tips from Tyler Cox, professional CrossFit coach and owner of CrossFit…

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COVID’s Impact on Legal Documents

March 25, 2021

When was the last time you updated your legal documents? Many worry about setting up a will, trust, power of attorney, or medical directives due to the impact of COVID. Unfortunately, some of these folks found themselves in a tough situation without having properly executed estate planning documents.  This could have resulted in legal tie…

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Managing Your Mortgage Options

March 1, 2021

The year 2020 had the record for the highest volume in mortgages due primarily to record low interest rates. Refinancing is making up roughly 70% of all mortgage transactions and it is a very busy purchase market as well. Sometimes refinances are necessary and other times it’s just a matter of convenience with interest rates…

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Tax Planning vs. Tax Preparation

January 19, 2021

When it comes to minimizing taxes, it could be advantageous to work with a fiduciary advisor along with an accountant or CPA when creating a tax plan that’s right for you. A fiduciary advisor will review your tax and financial documents, evaluate your current financial situation, and design a plan that is tax wise with…

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Richmond Virginia Skyline

Should You Plan for a Retirement in Richmond—or Move?

September 15, 2020

One of the most difficult decisions about retirement is deciding where to spend it. Whether you live in Richmond already and are deciding whether to stay, or you’re considering moving to Richmond for your retirement plan—the fact remains: Anyone who values living in a booming, diverse place with the amenities of a big city and…

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COVID-19 and Your Retirement Plan: How to Get Back on Track

July 15, 2020

Has the coronavirus pandemic affected your retirement plan? Like many Americans, you may be worried about your ability to retire on time (or at all) because of the health and economic impacts of COVID-19. If you have experienced adverse financial effects, you can still take action to improve your future finances. These actions include: Earmarking…

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Financial Dynamics’ Ricky Lafon Earns CFP® Credential

July 9, 2020

Virginia native has provided financial planning at Midlothian firm for over 5 years. MIDLOTHIAN, Virginia—Financial Dynamics & Associates is proud to announce that Advisor and Retirement Planner Ricky Lafon has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. The mark is one of the highest-regarded credentials in the financial services industry, given its rigorous requirements for…

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