BRB Wealth

09/22/2026

What people anticipate in terms of retirement income sources may differ considerably from what retirees actually experience. One source for retirement income is: Social Security

Social Security is the government-administered retirement income program. Workers become eligible after paying Social Security taxes for 10 years. Benefits are based on each worker's 35 highest earning years. If there are fewer than 35 years of earnings, non-earning years are averaged in as zero.

Learn more on our website: www.mybrb.bank/about/news-media/detail.html?cId=120040&title=where-will-your-retirement-money-come-from

08/13/2026

What people anticipate in terms of retirement income sources may differ considerably from what retirees actually experience. For many people, retirement income may come from a variety of sources. In our latest blog post we break down:

- Social Security
- Personal Savings / Investments
- Individual Retirement Accounts
- Defined Contribution Plans
- Defined Benefit Plans
- Continued Employment

Read More: www.mybrb.bank/about/news-media/detail.html?cId=120040&title=where-will-your-retirement-money-come-from

07/10/2026

Bret Kerns would like to welcome Kelly Curlle, new Branch Manager, to Harrisonburg. We are excited to see all that Kelly will accomplish!

07/03/2026

Marc Hinson, our wealth advisor in our Kilmarnock branch, teamed up with Blue Ridge Bank retail and commercial staff to serve concessions for the Richmond County Little League. We love seeing our advisors active in the community.

Thank you Blue Ridge Bank for volunteering your time in our concessions tonight! Our community is awesome! 🤩

06/01/2026

Recently we hosted a reception for the Northern Neck Orchestra. This event was open to our patrons, sponsors and musicians ahead of the sold-out concert featuring the film scores of John Williams.

05/29/2026

After years of saving and preparing, some retirees hesitate to spend. That's understandable. But retirement isn't only about preserving what you've built. It's about using it to support the life you want to live. The first year isn't a test. It's a transition.
And it's okay to take it one step at a time. If you'd like to talk through what this season looks like for you, we're here.

05/22/2026

Retirement gives you time.
A lot of it.
And while that sounds freeing, it can also feel overwhelming at first.
When you're working, much of your day is structured. In retirement, you decide what today looks like.
Some people find it helps to create a little rhythm:
▪️A weekly volunteer day
▪️Lunch with friends
▪️A standing class
▪️Mornings reserved for exercise or hobbies

Not to recreate work - just to have something to look forward to.
Freedom often feels better with a little shape.

05/21/2026

Bret Kerns & BRB Wealth welcome George Basilica, new Branch Manager, to Fredericksburg. We are excited to see all that George will accomplish!

05/18/2026

One adjustment many retirees don't expect?
Spending can feel emotionally different.
For decades, income came in the form of a paycheck, and saving was the goal. In retirement, you're drawing from what you built.
Even if the numbers work, the shift can take time. Separating essential expenses from flexible choices often helps. Once core needs are covered, the rest becomes intentional - not stressful.
Confidence tends to grow as you settle into your new routine.

Learn More: https://www.mybrb.bank/wealth-trust/BRB-Wealth.html

05/08/2026

Some retirees describe the first few months as a honeymoon phase.
Travel. Projects. Rest. Catching up on everything that was postponed.
And then something shifts.
After the glow wears off, deeper questions start to surface:
▪️How do I want to spend my time?
▪️What feels meaningful now?

That transition is normal. Retirement creates space. The first year is about deciding what deserves it.

Learn more: https://www.mybrb.bank/wealth-trust/BRB-Wealth.html