Blue Ridge Financial Planning

08/13/2026

About a month ago, We shared a first look at our redesigned website. Now, I’d like to take you behind the scenes.
In this short walkthrough, I highlight some of the improvements we made to help you more easily:
• Understand our financial-planning approach
• Find information relevant to your situation
• Explore helpful resources
• Schedule a meeting
• Access our secure document center
The goal wasn’t simply to give the website a new look. It was to make it clearer, more useful, and easier to navigate—whether you’re already a client or just getting to know Blue Ridge Financial Planning.
Take a look, and let us know what you think.

08/12/2026

How much cash should you keep in retirement?
Too little can force you to sell investments during a downturn. Too much can quietly lose purchasing power. The right amount depends on your spending needs, income sources, and investment plan.
Read the full article: https://www.blueridgeplanning.com/how-much-cash-should-i-keep-in-retirement.html

08/05/2026

The retirement numbers work. The mortgage is manageable. You can almost picture your first Monday morning without an alarm clock.

Then someone asks, “What are we going to do about health insurance?”

For people hoping to retire before Medicare, that question can stop an otherwise solid plan in its tracks. But it does not automatically mean you have to keep working. It means those years need their own game plan.

In our newest article, we walk through common coverage options, the connection between income and potential costs, and the questions worth bringing to the planning table.

Read it here:

https://www.blueridgeplanning.com/retiring-before-65-health-insurance.html

If health insurance is the question holding your retirement date in place, you are not alone. Let’s look at the options calmly and one decision at a time.

A practical game plan for bridging the years between employer coverage and Medicare, without letting premiums, taxes, or enrollment deadlines catch you off guard.

07/27/2026

Last week, Monique Ryan and her husband, Sean, traded spreadsheets for bike helmets and took on RAGBRAI, cycling more than 430 miles across Iowa in seven days!

Between the hills, the heat, and plenty of unforgettable moments, the trip was an incredible adventure.

Now she’s back in the office (with slightly tired legs!) and ready to help clients tackle their own long-term goals. Fortunately, financial planning doesn’t require climbing 18,000 feet!

07/07/2026

Most retirement plans fall apart for one reason: running out of income in the wrong order. There is no one-size-fits-all answer. Retirement income often comes from several different sources — Social Security, pensions, IRAs, Roth accounts, taxable investments, and cash reserves.Our latest article breaks down how these layers can work together, and why retirement planning should be built around your life, not just a number.

Read the article here:

https://www.blueridgeplanning.com/articles/how-much-is-enough-to-retire

Blue Ridge Financial Planning
Fort Mill, SC
Virtual or in-person consultations available

07/03/2026

As we celebrate America’s birthday, I’m reminded that freedom has always come with sacrifice.

David answered the call and became a United States Marine in 2022.

Today, Joe Jr. is at Parris Island working to earn the same Eagle, Globe, and Anchor.

Watching your children choose to serve something greater than themselves is one of the greatest honors a father can experience.

Happy Fourth of July to all, and thank you to every service member, veteran, and military family who helps protect the freedoms we celebrate today.

God bless America. 🇺🇸

06/30/2026

Retirement Isn’t Just a Number

Retirement planning is about more than reaching a certain account balance.

Important questions include:

• When do you want to retire?
• What will your spending look like?
• How will healthcare costs fit into the picture?
• What do you want retirement to look like?

Financial planning helps connect your resources to your goals.

06/29/2026

🚀 We just gave our website a major upgrade — and it's about a lot more than a new look.

At Blue Ridge Financial Planning, we believe your investments shouldn't live in a vacuum. That's why we connect your portfolio to the rest of your financial life — retirement income, tax-aware planning, 401(k)/IRA rollovers, Roth conversion opportunities, insurance, and estate coordination — all working together toward your goals.

📚 New on the site: a growing library of articles written by our own team, tackling the real financial questions everyday families and retirees are asking.

We're based right here in Fort Mill, SC, and proud to work with clients locally and virtually (in states where we're properly registered or exempt from registration).

👋 New here? Explore the site, read an article, and see if our approach feels like the right fit.
💙 Existing clients and friends — thank you for your continued trust. This site was built with you in mind.

Explore it here 👉 www.blueridgeplanning.com

Follow our page so you don't miss new articles and updates as we post them!

Blue Ridge Financial Planning provides investment management and financial planning in Fort Mill, SC and virtually for families, retirees, professionals, and business owners.

06/26/2026

Last week we dropped off our son, Joe Silva Jr., as he begins his journey to become a United States Marine.

I’m not in this picture, but Beth is, and this moment says everything. Pride, nerves, faith, love, and the beginning of a whole new chapter for our family.

Joe Jr., we are so incredibly proud of you. The road ahead will not be easy, but we know the kind of young man you are. Stay strong, stay focused, lean on your faith, and remember that your family is behind you every step of the way.

Graduation day is set for 9/11/26, and we cannot wait to see you earn the title Marine.

We love you, son. Semper Fi.

06/23/2026

Financial Tip Tuesday:

Before increasing your spending after a raise, consider increasing your savings rate first.

Even directing a portion of each raise toward retirement savings can have a significant impact over time.