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102 Lakeview Cove, Smithfield
$325,000
4 Beds ⋅ 2.1 Baths ⋅ 10655323 MLS
Spacious 4 bedroom end-unit townhouse ideally situated at the entrance of the Lakeview Cove community in Smithfield. The thoughtfully designed layout features a first floor primary suite with a walk-in closet, a spacious kitchen, a great room, and a convenient laundry room. The main level also offers access to a private patio with additional storage. Upstairs, you'll find three generously sized bedrooms, each featuring a walk-in closet, and a full bathroom. Enjoy the added convenience of having the community clubhouse and swimming pool directly across from the home. With its desirable end-unit location and functional floor plan, this home offers comfortable living with community amenities just steps away. Back on the market at no fault of the seller.

102 Lakeview Cove, Smithfield
189 Royal Blackheath, Smithfield
$650,000
4 Beds ⋅ 3.1 Baths ⋅ 10655024 MLS
Built in 2024, this 4 bedroom, 3.5 bath home in the Cypress Creek golf community has two ensuites, including a first floor primary suite with a soaking tub, frameless glass shower, double vanity and generous closet space. A flex room at the front works as a dining room, office or sitting room, and the first floor also has a guest half bath and laundry room. The kitchen is built around an 8 foot island with quartz counters, stainless Whirlpool appliances and a large pantry, open to the living area. Upstairs, a loft adds space for movies, games or a play area, along with a second ensuite, two more bedrooms with walk-in closets and a hall bath. An unfinished room over the two car garage gives you room to grow. Brick and fiber cement exterior, tankless water heater and irrigated lawn. Skip the build timeline: blinds, refrigerator and landscaping are already in place. Cypress Creek offers a clubhouse, pool, fitness room, tennis courts, playgrounds, RV storage and the Cypress Creek Golfers' Club, minutes from historic downtown Smithfield.

189 Royal Blackheath, Smithfield
208 Richmond Avenue, Smithfield
$465,000
2 Beds ⋅ 2 Baths ⋅ 10654005 MLS
This 3-year-old attached home in a desirable 55+ community offers easy, stylish one-level living on a premium private lot with green space buffering! The inviting open-concept design features laminate flooring throughout and a spacious flow perfect for everyday living and entertaining. Enjoy 2 bedrooms, 2 full baths, plus a flexible office/den with elegant glass French doors—ideal for working from home, hobbies, or guests. Head outside to your private patio and enjoy the beautiful fall temperatures. The deep 2-car garage (Approx 30 feet deep!) provides room for vehicles and more, while the walk-up attic delivers exceptional additional storage. Only 3 years young, a thoughtful floor plan, abundant storage, and a tranquil green-space backdrop, this home checks all the boxes for comfortable, low-maintenance 55+ living. Move-in ready and waiting for you!

208 Richmond Avenue, Smithfield
318 Ginger Loop, Smithfield
$360,000
3 Beds ⋅ 2 Baths ⋅ 10653938 MLS
Welcome to the desirable Villas of Smithfield! This beautifully situated end-unit villa offers peaceful privacy with a charming sitting area overlooking the woods and pond. Inside, you’ll find comfortable one-level living with an open-concept layout, vaulted ceilings, and a gas fireplace that creates a warm and inviting living space. The home features three bedrooms, two full baths, walk-in closets, a bright and airy sunroom, laundry room, kitchen, and dining area. The attached two-car garage provides plenty of room for vehicles, storage, and even your favorite projects. Enjoy a low-maintenance lifestyle with community amenities including a clubhouse with a workout area and meeting space, swimming pool, outdoor picnic area, water and trash service, and exterior maintenance. Many great updates to the home including the hvac that is less than 5 years old. The water heater is 3 years old and the roof is brand new. There is a new whole house water filtration system. newer granite counters in the kitchen and carpet. A walk-in tub and grab bar in the hall bathroom. Conveniently located just a short trip from Windsor Castle Park, Nike Park, and downtown Smithfield, this home offers the perfect blend of comfort, convenience, and tranquility.

318 Ginger Loop, Smithfield
1305 Wilson Road, Smithfield
$339,000
3 Beds ⋅ 2 Baths ⋅ 10653891 MLS
Welcome home to this beautifully renovated ranch in the heart of Smithfield! Offering 3 bedrooms, 2 full bathrooms and 1,288 square feet of living space, this home has been thoughtfully updated throughout. The stunning kitchen features an abundance of cabinetry, beautiful granite countertops, stainless steel appliances and a spacious eat-in bar area. LVP flooring flows through the home, while both bathrooms offer fresh, modern finishes. Major updates include a newer HVAC system, electrical, windows, flooring, fixtures and more. Outside, you’ll find a large backyard with plenty of room to relax, entertain or play. Conveniently located near downtown Smithfield, Windsor Castle Park, restaurants, shopping and everything this charming town has to offer!

1305 Wilson Road, Smithfield
8922 E Colonial Trail, Smithfield
$675,000
5 Beds ⋅ 3 Baths ⋅ 10653867 MLS
Beautiful 5 Bedroom Country Home on 3 Acres Discover peaceful country living in this 5 bedroom, 3 fullbath home situated on 3 beautiful acres. Designed for comfort, entertaining, and multigenerational living, the home features both a primary suite and jr. suite on the main level. The updated kitchen includes granite countertops, gourmet cabinetry, new appliances, and a large bay window breakfast nook overlooking the wooded backyard. The home is equipped with two brand-new York HVAC systems, each backed by a 10 year transferable warranty, plus a one-year whole-house warranty covering appliances, electrical, well, plumbing and septic systems. Additional features include new 360 degree property surveillance cameras, keyless entry, and a full wraparound porch perfect for relaxing and enjoying the surrounding scenery. Outdoor amenities include an above-ground swimming pool, powered dog kennel that can be converted into a workshop or hobby space, large storage shed and private wooded area.

8922 E Colonial Trail, Smithfield
305 Clipper Creek Lane, Smithfield
$440,000
3 Beds ⋅ 2.1 Baths ⋅ 10652888 MLS
You are going to love this affordable home in the award winning community of Gatling Pointe. Enter into a two story foyer with a turned staircase. Stacked formal living and dining rooms are on the right and both have hardwood floors. Hardwood floors continue through the kitchen which is open to the family room that has a fireplace and built in bookshelves. The vaulted primary bedroom has a step down sitting are which is nice for a home office or studio. The primary bath has double sink vanity, jetted tub and a separate shower. Out back is a large deck overlooking a private wooded back yard. There is a huge side yard offering plenty of play space to toss a baseball or football. Lots of distance between the homes on this lot. Two car attached garage and driveway space for plenty of parking. Very close to the neighborhood yacht club that has a pool, tennis, volleyball, clubhouse and boat slips available.

305 Clipper Creek Lane, Smithfield
148 Ayrshire Loop, Smithfield
$494,900
3 Beds ⋅ 3 Baths ⋅ 10653428 MLS
Welcome to The Parke at Cypress Creek in Smithfield! This 55+ community offers low-maintenance living with access to the amenities of the larger Cypress Creek neighborhood. Perfect for those looking to “right-size” without giving up comfort or convenience. The well-appointed kitchen features an additional wall oven, ideal for entertaining and holiday gatherings. Other highlights include a tankless water heater, central vacuum, built-in garage storage, and a covered outdoor patio. Conveniently located just minutes from downtown Smithfield, with its charming shops, local restaurants, and welcoming small-town atmosphere. Come enjoy easy living in a wonderful community!

148 Ayrshire Loop, Smithfield
1621 Colonial Avenue, Smithfield
$485,000
4 Beds ⋅ 2.1 Baths ⋅ 10652253 MLS
New Construction!! This thoughtfully designed 4-bedroom, 2.5-bath home offers over 2,000 sq. ft. of modern living space with an open-concept layout, durable SPC flooring, and a spacious kitchen perfect for everyday living and entertaining. The primary suite features a walk-in closet, while the additional bedrooms provide flexibility for family, guests, or a home office. Enjoy a 1-car attached garage, ample driveway parking, an oversized backyard offering plenty of space for outdoor entertaining, recreation, or relaxation, and no HOA restrictions.

1621 Colonial Avenue, Smithfield
437 Evergreen Way, Smithfield
$580,000
5 Beds ⋅ 3.1 Baths ⋅ 10652068 MLS
Welcome to 437 Evergreen Way—a beautiful Smithfield home offering the space, privacy, and lifestyle buyers have been looking for! Tucked away on a quiet cul-de-sac and situated on approximately 0.82 acres, this 5-bedroom, 3.5-bath home offers nearly 2,900 sq. ft. with room to spread out both inside and out. The inviting floor plan features a dramatic two-story foyer, formal living and dining spaces, an expansive family room with gas fireplace, and a spacious kitchen with breakfast area. The first-floor primary suite provides exceptional convenience with a tray ceiling, walk-in closet, soaking tub, and separate tiled shower, while four additional bedrooms and two full baths are located upstairs. Enjoy the convenience of a first-floor laundry room, two-car garage, extended driveway, and a large two-level deck overlooking the private lot. Located in the heart of Smithfield with convenient access to Route 17 and the James River Bridge, making the commute to major employment centers—including Newport News Shipbuilding, Sentara, Riverside and Bons Secours and Smithfield foods convenient. Enjoy the best of the best of Smithfield living with local restaurants, shopping, waterfront recreation, historic charm, and close proximity to attractions including Cedar Point Golf Club, The Mariners’ Museum, Virginia Living Museum, and Noland Trail. A rare combination of space, privacy, and accessibility—come see why 437 Evergreen Way could be the one you’ve been waiting for!

437 Evergreen Way, Smithfield
224 Wellington Cir Circle, Smithfield
$579,900
5 Beds ⋅ 2.1 Baths ⋅ 10651659 MLS
Welcome to the highly desirable Wellington Estates neighborhood. This immaculate home offers the perfect blend of space, comfort, and convenience with an easy commute to anywhere in Hampton Roads. Featuring over 2,800+ square feet of beautifully maintained living space, this spacious home offers 5 bedrooms and 3 baths, providing plenty of room for family, guests, and everyday living.Step outside to your own private backyard retreat! Featuring a fully fenced yard with an in-ground pool and fire pit, creating the perfect setting for family gatherings, entertaining, and relaxing with family and friends. Immaculately maintained and truly move-in ready. Don’t miss the opportunity to make this exceptional Wellington Estates property your own!

224 Wellington Cir Circle, Smithfield
302 Buckingham Way, Smithfield
$450,000
4 Beds ⋅ 2.1 Baths ⋅ 10650183 MLS
Some homes check the boxes. 302 Buckingham Way gives you a reason to stop scrolling. With 4 bedrooms, 2 1/2 baths and 2,138 ft.² this Smithfield home offers the kind of space that simply makes everyday life work better. There’s room to gather, room to spread out, room to work from home and perhaps even work out in peace and quiet. The floor plan gives you flexibility for the way you actually live. 4 bedrooms mean everyone can have their own space with options for our guest room, home office, hobby room or the extra room you’ve been wishing you had. At just over 2100 ft.² the home feels spacious without giving you more house than you want to maintain. And then there's Smithfield - a place where life moves at just the right pace. You can enjoy the charming character of the area is known for while still being within reach of the convenience of Hampton Roads. If your next home needs to offer more than pretty pictures, if it needs to fit your life, then this one needs a closer look.

302 Buckingham Way, Smithfield
103 Cathedral Street, Smithfield
$389,900
2 Beds ⋅ 2 Baths ⋅ 10649983 MLS
Beautiful like-new home in a quiet 55+ community offering activities and amenities on-site for enjoyable living. Wide open floor plan with a chef's kitchen, granite countertops, stainless steel appliances, and lots of natural light. The primary suite has an adjoining luxurious bath with over-sized shower, and double sinks. Formal dining room could be a flex room for many different purposes. Historic Smithfield is very close by as well as routes to take you to highly-rated hospitals, Williamsburg, and all of South Hampton Roads. This home is in perfect condition. A 2-car attached garage is a real plus.

103 Cathedral Street, Smithfield
Lot 3 Joyners Bridge Road, Smithfield
$1,150,000
3 Beds ⋅ 3 Baths ⋅ 10649191 MLS
Welcome to approximately 12 acres on Joyners Bridge Road in Windsor, Virginia, offering the perfect blend of a quiet rural setting while remaining conveniently located to everyday amenities. The Town of Windsor provides local shopping, services, schools, parks, and community conveniences, while nearby Suffolk offers additional shopping, dining, entertainment, and services. The property provides plenty of room to enjoy the outdoors and create the country lifestyle you’ve been looking for, whether you envision gardening, outdoor recreation, keeping animals, entertaining, or simply enjoying the peace and privacy of your own land. This property will feature The Daniella, Custom Homes of Virginia’s charming farmhouse-style home with 3 bedrooms, 3 bathrooms, an open floor plan, and a FROG. Buyer may choose another model or bring their own custom plans to build. Some optional upgrades may be shown in the pictures.

Lot 3 Joyners Bridge Road, Smithfield
322 Edgewood Drive, Smithfield
$439,000
4 Beds ⋅ 2.1 Baths ⋅ 10648338 MLS
Have you wished you could have taken advantage of a really low rate? Here's your chance! This owner is allowing his VA 2.375% rate to be assumed. Are you the type of Buyer who prefers newer year built yet loves the more established neighborhoods? This property has a large lot and no mandatory HOA fees or requirements. You just may be in luck because we may have the best of both worlds for you. This property is tucked at the end of a street in Red Point Heights to catch the best sunsets and glimpses of Pagan River. It has an oversized garage, extra long driveway, large fenced rear yard, AI generated picture shared for how backyard can be designed - spoken to a landscape designer. Let's talk to see if we can structure a great deal for you.

322 Edgewood Drive, Smithfield
20143 W Magnolia Court, Smithfield
$595,000
4 Beds ⋅ 2.1 Baths ⋅ 10648536 MLS
Welcome to Gatling Pointe South! Listed at $595,000, this beautifully landscaped 4-bedroom, 2.5-bath home offers comfort, style, and a peaceful natural setting. The spacious living room impresses with a soaring cathedral ceiling and cozy natural gas fireplace, creating an inviting space for everyday living and entertaining. A desirable first-floor primary suite features a private ensuite bath, while three additional bedrooms provide plenty of room for family, guests, or a home office. Step onto the large rear deck and enjoy serene views of the wooded ravine - the perfect backdrop for morning coffee, outdoor dining, or quiet evenings at home. This exceptional property blends privacy, space, and timeless appeal in one of the area's most sought-after communities.

20143 W Magnolia Court, Smithfield
20711 Creekside Drive, Smithfield
$575,000
5 Beds ⋅ 3 Baths ⋅ 10648081 MLS
Welcome to this beautiful brick home in the sought after Gatling Pointe neighborhood of Smithfield. This spacious home offers a large family room with tons of natural light and gas fireplace. A downstairs bedroom with bathroom and an office. Upstairs is a huge primary bedroom with walk-in closet, balcony, finished room over the garage and remodeled shower. An oversized 3 car garage for abundance if storage and a fully fenced backyard. This home is conveniently located to downtown historic Smithfield.

20711 Creekside Drive, Smithfield
Lot 13 Wimbledon Lane, Smithfield
$400,000
10646981 MLS
Opportunity at it finest, Take advantage of this prime location right off Route 10 in the heart of Smithfield. All utilities are available with ease. Build your new business with endless possibilities. Close proximity to numerous businesses, residential living and interstate access.

Lot 13 Wimbledon Lane, Smithfield
313 Lane Crescent, Smithfield
$520,000
4 Beds ⋅ 2.1 Baths ⋅ 10646936 MLS
MOTIVATED SELLERS OFFERING 1 YEAR HOME WARRANTY AND WILLING TO CONTRIBUTE TO CLOSING COSTS!! Nestled the desirable Smithfield Forest neighborhood, this spacious 4-bedroom, 2.5-bathroom single-family home offers 2,733 sq. ft. of thoughtful living space. Step inside to discover a bright, functional layout designed for modern comfort and effortless entertaining. Cozy up by the fireplace during quiet evenings or gather with family in the expansive living areas. The primary suite serves as a relaxing retreat, while three additional bedrooms and a loft provide ample space for guests, a home office, or hobbies. Sitting on a 0.28-acre lot with an attached garage, this property offers plenty of outdoor potential, whether you envision weekend BBQs, garden projects, or simply enjoying the tranquil pool and pergola. Located just minutes from historic downtown Smithfield, local shops, dining, and parks—enjoy small-town charm with easy access to all of Hampton Roads!

313 Lane Crescent, Smithfield
20576 Southport Landing Place, Smithfield
$1,195,000
5 Beds ⋅ 3.1 Baths ⋅ 10646045 MLS
Extraordinary waterfront estate by renowned builder Russ Hohmann on 4.69 acres with riparian rights extending to the center of the water. Build your private pier for deep-water access just minutes to the James River and directly across from Jones Creek Boat Landing. This stunning all-brick home offers 5 bedrooms, 3.5 baths, a 3-car garage, elevator, whole-house generator, new roof, fresh paint, and $16K professional landscaping. Rich architectural details include extensive crown, dentil, fluted trim, entablature, picture rail, transoms, hardwood floors, plantation shutters, and custom lighting. The gourmet kitchen features Exodus granite, Thermador hood, updated appliances, custom cabinetry, tiled backsplash, and pantry. Luxurious first-floor primary suite, covered porch, Trex deck, bulkheaded shoreline, and breathtaking water views. Located in desirable Gatling Pointe South near the Yacht Club and 68-slip marina.

20576 Southport Landing Place, Smithfield
123 Barclay Crescent, Smithfield
$499,900
4 Beds ⋅ 2.1 Baths ⋅ 10645574 MLS
Easy as 1-2-3! Well-maintained home in one of Smithfield’s most desirable neighborhoods, Scotts Landing. Features: • Large 20’ x 22’ detached garage • Spacious, comfortable layout • Great outdoor entertaining space • New downstairs flooring • Brand-new patio overlooking a spacious half-acre lot • Convenient to shopping, dining, area shipyards, and military installations • Location is key! This and so much more! Come discover 123 Barclay Crescent today.

123 Barclay Crescent, Smithfield
16 Dashiell Drive, Smithfield
$484,000
3 Beds ⋅ 2 Baths ⋅ 10642402 MLS
Don't miss this beautifully maintained ranch with a walk-out basement, nestled on 1.98 acres in the desirable Moonefield neighborhood! The main level features 3 bedrooms, 2 full baths, and a spacious kitchen with an eat-in area. The large family room with a cozy fireplace opens to an expansive back deck overlooking the peaceful pond, creating the perfect place to relax or entertain. The walk-out basement offers over 750 square feet of additional usable space, including a second living room, bedroom, and an oversized laundry/storage area with access to a large patio. Whether you need space for guests, multi-generational living, a home office, or a recreation room, this flexible floor plan has you covered. Enjoy the privacy of a nearly 2-acre lot while being just minutes from shopping, dining, schools, and all that Hampton Roads has to offer. This is one you won't want to miss!

16 Dashiell Drive, Smithfield
408 Royal Dornoch, Smithfield
$729,000
3 Beds ⋅ 2.1 Baths ⋅ 10641533 MLS
Welcome to this exceptional home situated on a premier 1.3-acre cul-de-sac lot in the sought-after Cypress Creek Golf Community. Enjoy breathtaking water views overlooking the 7th green from the spacious rear deck and living areas. A long driveway and side-load garage enhance the home's curb appeal. Inside, cathedral ceilings, wood floors, and abundant natural light create an open and inviting atmosphere. The kitchen opens to the living area, making it ideal for entertaining. Bedrooms feature new carpet. The unfinished basement is studded, electrically wired, and ready for future expansion, with a new dehumidifier already installed. Cypress Creek amenities include two pools (family and adult), clubhouse, tennis courts, fitness center, basketball courts, and playgrounds. Golf course community living with spectacular views and room to grow awaits! Some photos have been virtually staged.

408 Royal Dornoch, Smithfield
908 Andrews Xing, Smithfield
$485,000
4 Beds ⋅ 2.1 Baths ⋅ 10639705 MLS
Welcome home to open living spaces, high ceilings, generous room sizes, a first floor primary, and all the modern amenities you could want in this beautiful home on a quiet cul-de-sac. This home is a chef's dream with butcher block counters, upgraded appliances and plenty of prep space. Entertaining is easy with open family and dining areas centered on a 3-sided fireplace, or head outside to the large backyard with private wooded views. Your oasis in a quiet, friendly community awaits.

908 Andrews Xing, Smithfield
404 Lakeview Cove, Smithfield
$255,900
3 Beds ⋅ 2 Baths ⋅ 10638076 MLS
Welcome home to this amazing townhouse in the heart of Smithfield. This home, built just seven years ago, features a spacious living area, quaint backyard and a large primary bedroom! You'll enjoy living in this tucked away community with a pool, pond with a kayak launch, deck and fountain, a clubhouse and more! Don't miss out, schedule your showing today! Seller will give buyer a $1000 credit for flooring with acceptable offer.

404 Lakeview Cove, Smithfield
345 S Church Street, Smithfield
$1,789,999
5 Beds ⋅ 3.2 Baths ⋅ 10637176 MLS
Own a piece of Smithfield history. Set on 0.93 acres along the Pagan River, this stunning 1902 Late-Victorian waterfront estate offers 7,096 sq ft of timeless elegance, plus a full unfinished basement. The home features 5 bedrooms, 3 full and 2 half baths, 11-ft barrel ceilings, stained-glass windows, tiger oak hardwood floors, breathtaking trim work, 9 custom fireplaces, and 13 chandeliers. Highlights include a grand front parlor, tall windows, working pocket doors, a private library, and a third-floor ballroom can be used for a media or game room. The fully renovated eat-in kitchen showcases a marble slab island, marble countertops and backsplash, Wolf 6-burner range with double ovens, Sub-Zero refrigerator, and custom cabinet-front appliances. An enclosed sunroom opens to the rear porch. The primary suite offers sweeping river views, a spa-style bath, and oversized closet. Private pier with covered boat lift, two jet ski lifts, and floating dock. A rare waterfront legacy home.

345 S Church Street, Smithfield
13474 Hatchers Lane, Smithfield
$300,000
2 Beds ⋅ 1 Baths ⋅ 10632572 MLS
Escape to your own private 10-acre oasis in Smithfield—where peaceful living meets convenience. As you arrive via the tree-lined private lane, you’re welcomed by fresh air, natural beauty, and expansive open land that instantly sets the tone for relaxation. This property is great for those seeking a slower pace of life without sacrificing proximity to nearby amenities. With ample space and potential for future building, this is more than a home—it’s an opportunity to create your ideal retreat. Come see it for yourself and imagine the possibilities.

13474 Hatchers Lane, Smithfield
800 S Church Street, Smithfield
$419,000
5 Beds ⋅ 3 Baths ⋅ 10629263 MLS
Room for Everyone: Brand New & Ready for You! Stop dreaming and start packing! This 5-bedroom beauty in Smithfield offers the space you’ve been searching for. From the durable, stylish LVP flooring to the open-concept "heart of the home," every inch is designed for modern life. Why you’ll love it: Chef’s Kitchen: Stainless appliances, granite counters, farmhouse sink and a large island. Flexibility: A rare first-floor bedroom with full bath access—offers a retreat for guests or use as a workspace. Ultimate Convenience: Second-floor laundry room (no more hauling baskets up and down the stairs!). Primary Suite: A massive retreat with a spa-like en-suite bath. Tucked away in a prime location but convenient to everything, this gem won’t last. Schedule your tour today! Don’t miss out. Call TODAY!

800 S Church Street, Smithfield
14035 Foursquare Road, Smithfield
$237,600
3 Beds ⋅ 1 Baths ⋅ 10627773 MLS
Your search could be over when you see this cute 1200 sq ft 3 bedroom 1 bath rancher. This house requires some work; it just needs someone ready to give it some TLC. It could be the perfect home for someone looking for a starter home or looking to downsize. The house is located on a shared private drive surrounded by farmland. Located minutes from downtown Smithfield's charming shops and restaurants. Enjoy country living in Smithfield, a well sought after community. Case#541-831678 IE (Insured Escrow) Subject to Appraisal. Property is Owned by the US Dept. of HUD. Seller makes no representations or warranties as to the property condition. HUD Homes are Sold "AS IS". Equal Housing Opportunity. Seller may contribute up to 3% for buyers closing costs upon buyer request.

14035 Foursquare Road, Smithfield
306 Muirfield, Smithfield
$325,000
10628172 MLS
Rare opportunity to own a golf course lot in the sought-after Cypress Creek community of Smithfield. One of the few remaining lots available, offering a great setting for your future home. Conveniently located near community amenities and major routes. Builder opportunity available with James D. H. Homes to design and build a custom home.

306 Muirfield, Smithfield

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.

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