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$945,000
4 Beds 3.1 Baths 10644327 MLS
Situated on one of Kingsmill's most beautiful and conveniently located streets, this timeless home has been lovingly maintained and offers a functional floor plan for everyday living. An inviting two-story foyer with custom glazed finishes welcomes you inside, where hardwood floors flow throughout the main living areas. Formal living and dining rooms sit on either side of the foyer, while the updated kitchen features quartz countertops, white cabinetry, island seating, and opens to the family room with a gas fireplace. The sunroom and eat-in area overlook the private backyard and fill the home with natural light. The first-floor primary suite offers a bay window, spacious en-suite bath, and walk-in closet. Upstairs, two guest bedrooms share a Jack-and-Jill bath and both include walk-in closets. A separate rear staircase leads to a private bonus room with a full bath and a fourth bedroom, creating an ideal space for guests, a home office, or multigenerational living. Enjoy the spacious rear deck, plantation shutters, 2015 roof, fresh interior and exterior paint, and meticulous maintenance throughout. Move-in ready!

168 Jeffersons Hundred, James City Co Lower

$945,000
4 Beds 4 Baths 10623324 MLS
Wake up to panoramic ocean sunrises and unwind with breathtaking Back Bay sunsets from this rare 4BR/4BA penthouse at The Sanctuary at False Cape. This exceptional two-level residence offers sweeping views of the Atlantic Ocean, Back Bay, and miles of pristine coastline. Floor-to-ceiling windows fill the open living, dining, and kitchen areas with natural light, creating the perfect space for entertaining or relaxing at the beach. Two expansive wraparound decks provide front-row seats to stunning water views in every direction. Spacious bedrooms and four full baths comfortably accommodate family and guests. Located in Sandbridge's premier oceanfront resort community with direct beach access, pools, fitness centers, grilling areas, and a newly added arcade. HOA dues are scheduled to be reduced, enhancing value and investment potential. Ideal as a luxury second home, primary residence, or income-producing investment.

3700 Sandpiper Road Unit 417, Southeast Virginia Beach

$940,000
4 Beds 2.1 Baths 10649002 MLS
Welcome to 412 Woodards Ford Road, an incredible property tucked away in the peaceful Woodards Mill community. Set back along a long driveway and surrounded by mature trees, this home offers exceptional privacy, beautiful landscaping, and plenty of room to enjoy the outdoors. A charming front porch welcomes you inside, where spacious rooms, abundant windows, and natural light create a warm and inviting atmosphere. The open living area is highlighted by a stunning stone fireplace with a mantel, while multiple first-floor bedrooms offer flexibility for a variety of needs. The unique kitchen is full of character with beautiful wood ceilings, distressed white cabinetry, and plenty of natural light. Multiple access points lead to the back porch, patio, and four-season room featuring brick flooring and walls of windows. Step outside and enjoy a true backyard retreat surrounded by mature trees. The expansive porch offers plenty of space for entertaining, relaxing, and enjoying the peaceful setting, complete with a built-in hot tub. Upstairs, additional rooms provide even more flexible living space. A full detached garage adds incredible functionality with a working bathroom and a huge finished area above, great for storage, a hobby space, workshop, or additional flex space. With privacy, character, generous indoor and outdoor spaces, and a serene wooded setting, this Woodards Mill property is truly one of a kind!

413 Woodards Ford Road, South Chesapeake

$939,900
4 Beds 3.1 Baths 10644824 MLS
Experience coastal luxury in this stunning, recently built in 2023, home in the heart of the Virginia Beach Old Beach District. Offering 4 spacious bedrooms & 3.5 beautifully appointed baths. This thoughtfully designed residence features an open-concept floor plan filled with natural light, high-end finishes, & modern craftsmanship throughout. The gourmet kitchen flows seamlessly into the living & dining areas, creating the perfect space for entertaining. The generous first floor primary suite offers a spa-inspired bath & walk-in closets, while 2nd floor living space & additional bedrooms provide comfort & flexibility for family or guests. Enjoy low-maintenance living, on an amazing, fenced lot with stamped concrete patio & hot tub, just minutes from the beach, boardwalk, restaurants & local entertainment. Don't miss this exceptional opportunity to own a like-new home in one of Virginia Beach's most desirable locations. Call listing agent today!

412 27th Street, Northeast Virginia Beach

$939,900
2 Beds 1 Baths 10606907 MLS
Three parcels being sold as one in Southampton County Va. Tax map number 74-6, 74-6A and 74-6B for a total of 230 acres. This property has been managed for trophy whitetail deer hunting by the owner for a few years now and it shows. 62 acres are in crop rotation and are leased through the end of the year, with the remaining acreage planted in loblolly pine. There are over 3 miles of riding trails throughout this property for your favorite atv or four legged friend. The Main house is a 2 bedroom, 1 bath ranch with carport and there is also a three bedroom trailer in great condition that could be rented. Several Conex boxes and a 30x30 pole barn have you covered for all your storage needs. Located just off of Route 58 it is easily accessible from Hampton Roads and the Richmond areas of our state and the Carolinas. Don't delay call the listing agent today. Shown by appointment only.

23114 Southampton Parkway, Southampton - South

$939,750
3 Beds 2.1 Baths 10648497 MLS
Rare opportunity to own a private waterfront retreat on approximately 11.73 acres in Hayes! This custom property offers 2,544 sq. ft. of finished living space (includes a 512 sq. ft. finished basement). Enjoy boating from your private pier with boat lift and approximately 4-6 feet of navigable water at low tide. Outdoor living is complimented with an inground pool, expansive waterfront views, and room to relax or entertain. The home features 3 bedrooms, 2.5 baths, spacious living areas, and a breezeway attached garage. The acreage provides exceptional privacy and endless possibilities for recreation, gardening, or future enjoyment. Conveniently located near Gloucester Point, Yorktown, and Williamsburg while offering the peace and beauty of waterfront living. A truly unique property that combines land, water, and lifestyle in one exceptional offering.

6640 Fields Landing Road, Gloucester Point/Hayes

$939,000
4 Beds 3 Baths 10639727 MLS
Waterfront living at its best! Offering over 2,600 sq ft plus 500+ sq ft of flexible ground-level recreation space, this home features a private pier with navigable deep-water access to the Chesapeake Bay. The open-concept great room with hardwood floors, dining area, and spacious kitchen flows to a large covered deck perfect for entertaining. A main-level guest room or office, full bath, and large laundry room provide added convenience. The primary suite boasts a luxurious bath, private deck, and stunning sunset views. Three decks, a ground-level patio, fenced backyard, abundant storage, tankless Rinnai water heater, and a two-car garage complete this exceptional property. Launch your boat from your backyard or enjoy the beach just steps away. Convenient access to parks, pier and military bases.

623 W Ocean View Avenue, North Norfolk

$938,197
4 Beds 3.1 Baths 10609126 MLS
Discover just the right blend of comfort & functionality in this exceptional property, featuring two primary bedrooms - one on each level! Situated on a sprawling 3-acre lot, this home offers ample space for a hobby farm & enjoying stunning sunsets. The kitchen boasts a walk-in pantry, extensive cabinetry, as well as an 8ft island. A versatile loft offers storage & flexible living areas for those needing a play room or office space. The formal dining room offers flexibility to suit your needs, whether you prefer an elegant dining space or home office. Outdoor enthusiasts will appreciate the expansive covered rear porch and large front porch, great for relaxation, entertaining, and morning coffee! Trusted lender incentives available! PRESOLD & TO BE BUILT. OTHER HOMESITES AVAILABLE. BUILD TIME 7-10 MONTHS. INCENTIVES AVAILABLE WITH TRUSTED LENDER.

1432 Taft Road, South Chesapeake

$935,000
4 Beds 3.1 Baths 10650231 MLS
Prepare to be captivated! With a cool, contemporary flair and a spectacular waterfront setting, this one-of-a-kind residence is truly unlike anything else. Positioned on a coveted cul-de-sac with sweeping 270-degree views of the Western Branch of the Elizabeth River, this 4-bedroom, 3.5-bath contemporary home is an entertainer's dream and private retreat in one. With nearly 5,000 square feet of living space, soaring ceilings, expansive windows for tons of natural light, 3 fireplaces, high-end appliances, and a sauna-shower create an atmosphere of effortless sophistication. outside you will find expansive decks, lush landscaping, and an inground pool overlooking the river. Designed for unforgettable gatherings, sunset cocktails, or peaceful mornings by the water, this home is freshly painted inside and out, with a new 2026 architectural shingle roof and newer HVAC systems. systems. Highly desired schools. Must see property you will want to make your own!

3604 Harding Drive, West Chesapeake

$935,000
3 Beds 3.1 Baths 10629266 MLS
Unit 4508 offers beach and bay views in this beautifully designed 3-level duplex featuring 3 bedrooms, 3.5 bathrooms, and an open-concept main living area optimal for entertaining. Enjoy stunning sunset views from the home or take a short walk to the beach. Outdoor living includes decks on the second and third floors plus a small private backyard. A single-car garage provides space for your vehicle or beach gear, and the large driveway offers ample parking—no need to worry about street parking for guests. Located within walking distance to Buoy 44, HK on the Bay, and Chic’s Laundry, and just a quick bike or golf cart ride to Commonwealth Brewing Company. Unique opportunity to also purchase the neighboring unit— prime for guests, rental potential, or having friends and family right next door.

4508 Ocean View Avenue, Northwest Virginia Beach

$930,000
4 Beds 2.1 Baths 10649728 MLS
Peaceful waterfront living awaits in this beautifully maintained all-brick ranch, tucked away on a quiet cul-de-sac and surrounded by nature. Enjoy breathtaking water views, your own dock, and a serene setting that feels like a private retreat. The open-concept floor plan features a huge great room flowing seamlessly into the kitchen, creating an inviting space for everyday living and entertaining. Numerous improvements include major bulkhead repairs, new gas water heater, new HVAC and matching furnace, gutters with gutter guards, new dishwasher and refrigerator, and all-new plumbing. A generator conveys for added peace of mind. A rare opportunity to enjoy waterfront living with comfort, updates, and tranquility!

2705 Mulberry Grove Court, North Central Virginia Beach

$929,900
4 Beds 3 Baths 10646234 MLS
Welcome to Baycliff! Lovingly maintained by just its second owners since it was built in 1971, this beautifully maintained 4-bedroom home offers the perfect combination of comfort and outdoor living. The spacious first-floor primary suite features a beautiful ensuite bath and abundant closet space, while the second level offers three additional bedrooms. Two generous living areas provide plenty of space for everyday living and entertaining. Outside you will find a private backyard oasis, complete with an inground saltwater pool with a newer vinyl liner, water feature, stamped concrete patio, and a fully fenced backyard. A separate spa house with a hot tub creates the perfect retreat. Major updates include a 2025 water heater, 2018 HVAC, 2016 roof, and 2018 windows. Baycliff residents have the option to join the neighborhood pool and enjoy access to the community boat launch, along with an active civic league, making this an exceptional place to call home.

1356 Baycliff Drive, Northeast Virginia Beach

$929,900
5 Beds 3.1 Baths 10644746 MLS
Now offered at $60,000 below original list price! Substantial price improvement presents an exceptional opportunity to own a custom home in sought-after Church Point with high-end finishes, a brand new roof and a thoughtfully updated interior. This well-kept, two-owner home has so much to offer. Gorgeous landscaping and stately curb appeal. The kitchen renovation is as unique as it is stunning, with custom-made walnut center island, custom shelving, ILVE luxury gas range & double oven, wine fridge and leathered granite countertops. New marble floors in living room, which also features a custom fireplace mantle. Low maintenance backyard with fresh landscaping, pavers, and patio piped for a gas grill. Oversized garage with plenty of room for parking, workspace, and also has an EV charger. Take advantage of the Church Point neighborhood offerings, such as Egg hunts, Halloween festivities and 4th of July celebrations! Schedule a tour today!

1700 Maze Hill Mews, Northwest Virginia Beach

$929,900
4 Beds 4 Baths 10640593 MLS
Almost 1-acre waterfront retreat offering 3,865 sq ft, 4 bedrooms, and 4 baths with endless potential. Originally built on the foundation of a classic home, this custom Tudor-style residence blends timeless architecture with modern design elements. Expansive living and entertaining spaces feature an open kitchen and great room with a gas fireplace, Anderson windows, and sweeping views of the water and sunsets. One large bedroom with private back entrance is ready to be completed to suit your vision. Generous storage abounds with an oversized 2-car garage, workshop, and carport. Outdoors, enjoy serene natural surroundings, direct water access, and room to create your dream backyard oasis. Seller provides original plans, inspections, and documentation; no flood insurance required per records. A rare opportunity to finish and customize a stately waterfront home in an exceptional setting.

423 Hariton Court, West Norfolk

$929,500
3 Beds 2.1 Baths 10636226 MLS
"Free School Farm" is located on over 14 acres on a private peninsula with extensive water frontage on the beautiful Severn River with southern views is a serine and unique place. Carport, large parking area and a back up generator. This is also a horse farm. Beautiful Riding trails and a riding/training rink. Large Barn and stalls. Large and beautiful Stone Fireplace with woodstove. There is a vaulted ceiling with appealing wood beams overhead. The dining room looks out of a picture window to the backyard and the farm. There are oak cabinets in the kitchen and granite countertops. On the 2nd Floor there is a guest/Office room with very large walk in closet (over the top size!!) Features include 2 zone heatpump, insulated crawl space, Water Filtration System, Architectural shingles and 2 waterside porches. There are 2 more septic locations on the property and another private waterfront point where another home and/or guest home can be built. Home has 2 BR septic. Call for your Private Appointment today!

4521 Free School Road, Gloucester West

$929,223
4 Beds 4.1 Baths 10631086 MLS
NEW DESIGN!! You have asked and we have answered! The Miles offers all the spaces in just the right places! Office and dining on first floor. Dining could be second office! Bedroom and full bath on the first floor. Mudroom with optional cubbies available. Powder room off garage for the quick break from running around this open 3 acres. Second floor has 3 secondary bedrooms. Two of these bedrooms have a bath connected! Third bedroom has direct access to a full bath. The loft makes for a great gaming area and is situated away from the primary. The primary. WOW! huge sleeping space, extra spacious walk in closet, and a roomy ensuite! The laundry is a dream space and can even have a door connected directly from the primary bath. Call today to learn more about interactive floor plan, personalization options, and trusted lender incentives!

2868 Raccoon Trail, South Chesapeake

$925,000
5 Beds 3 Baths 10630613 MLS
Priced $25K below recent appraisal! Rare bayfront opportunity on Norfolk's Cottage Line with private beach access to the bay. This 5-bedroom, 3-bath fully furnished home offers 2,712 sq. ft. of living space across two levels. The upper-level features soaring wood-beamed ceilings, knotty pine paneling, a brick wood-burning fireplace, hardwood floors, and floor-to-ceiling windows with breathtaking bay views. The glass-enclosed sunroom opens to a large newer composite deck overlooking the water. The kitchen includes a brick breakfast bar, bar seating, and flows into the main living and dining area. The lower level offers a second living and dining space with a brick fireplace, wet bar, and additional bedrooms, well suited for multi-generational living. A spacious covered patio beneath the deck provides additional outdoor entertaining space. Detached garage plus multi-car driveway parking. No CIC/HOA fees and NO FLOOD INSURANCE REQUIRED ON HOME. 12' Above sea level. Granted a 5 yr Short Term Rental Conditional Use Permit in July of 2023 to 2028, earning approximately $600/night in season ($61,903 earned in 2025).

2004 E Ocean View Avenue, North Norfolk

$925,000
5 Beds 3 Baths 10621436 MLS
This beautifully maintained home in Kingston Estates offers refined design and exceptional indoor-outdoor living. The open-concept layout features a first-floor bedroom w/ full bath providing ideal guest or multigenerational flexibility. The designer kitchen is both elegant and functional, featuring a gas range, double ovens, farmhouse sink, oversized island, and pantry. Upstairs, you'll find four additional bedrooms including a luxurious primary suite w/double vanities, a relaxing garden tub, and a separate custom tile shower for a spa-inspired retreat. The backyard is the true show-stopper. Enjoy your private in-ground saltwater pool w/a fountain feature, plus a cabana complete with electricity for a TV and bar area — creating the ultimate setting for elevated outdoor living, sunset gatherings, and effortless entertaining. Located in one of the city’s most sought-after school districts, this home delivers the perfect balance of luxury, lifestyle, and location.

2848 Kingsfield Drive, South Central 2 Virginia Beach

$925,000
3 Beds 3.1 Baths 10615476 MLS
Welcome to "Southern Bliss" a stunning ultra-luxurious fully remodeled two-story penthouse offering beautiful ocean views and vibrant sunsets over Back Bay from three private balconies. This 2247 sqft three-bedroom, three-and-a-half bath is located at The Sanctuary at False Cape. On the main, the welcoming atmosphere hosts attention to meticulous details, gorgeous white oak wainscotting, hardwood floors, and an open-flowing floor plan. For the food enthusiasts, a brand-new gourmet kitchen with modern cabinetry, quartz-topped counters, state-of-the-art stainless appliances, a farmhouse sink, an enormous center island bar, up-scale lighting, and a polished first-floor ensuite with a private balcony and southerly views. The second floor presents the elegant primary bedroom ensuite with a private balcony, a new custom bath, designer walk-in closets, and soaring ceilings. The amenities are impressive! Come see why living your best Sandbridge Life is right here!

3738 Sandpiper Road Unit 417B, Southeast Virginia Beach

$925,000
10589760 MLS
Embrace an extraordinary opportunity to own this stunning country property, just minutes from the VA Beach Municipal Center and the Chesapeake Expressway. Spanning nearly 44 acres, this expansive, mostly wooded estate features hardwoods and towering mature pines, making it a nature lover's dream. This highly sought-after tract is more than just land; it's a prime hunting zone teeming with deer and turkey, offering endless outdoor adventures right at your doorstep. With AG1 zoning and the potential for at least one homesite, your vision can come to life here. Whether it’s building your dream home, constructing barns, or outbuildings (subject to City of VA Beach approvals), the possibilities are endless. Imagine creating your ideal retreat with trails for equestrian pursuits, ATV riding, or simply basking in the serene landscape. This property is a canvas for your lifestyle dreams—where outdoor recreation meets tranquil living. Don’t miss out on this rare gem. Call today!

3224 Ives Road, Southeast Virginia Beach

$924,900
4 Beds 2.1 Baths 10649491 MLS
Welcome to a most spacious home for sale in this part of Great Neck, where you will begin making memories as soon as you walk in. Schedule a visit on 8/24/26 (when the listing becomes active), and imagine yourself(s) entertaining your loved ones in the light-filled high ceilinged open concept rooms, or on the backyard's immense Trek deck surrounding the beautifully preserved in-ground pool. Enjoy the natural privacy & tranquility of .43 acres bounded by a forest of mature trees. In addition to a brand new roof, there are a whole host of improvements the sellers have invested in during their five year tenure. A list of these will be made available at your tour. So, don't wait too long and lose out on making this beautiful "turn key home" your own. Note how centrally located it is to sought after schools, shopping, bases, & most everything else ENJOYABLE. Fm Great Neck turn onto St Marshall, right on Old Cutler, & right on Commodore.

1060 Commodore Drive, Northeast Virginia Beach

$924,900
3 Beds 3 Baths 10640437 MLS
Experience Eastern Shore waterfront living at its finest with this private Onancock retreat situated on 2.7 acres with breathtaking views, over 700ft of private shoreline, a new dock, and boat lift! This home was designed to showcase the beauty of its surroundings! This property offers peaceful sunrises, stunning sunsets, and effortless access to life on the water! Inside, enjoy tall ceilings, all the natural light, hardwood floors, and oversized windows showcasing the waterfront setting! The kitchen features beautiful cabinetry, granite countertops, stainless appliances, and generous workspace! Renovated bathrooms add a modern look and style! Major system upgrades throughhout, including a 50-year roof, two new heat pumps, newer water heater, exterior paint, updated kitchen and baths, and the waterfront enhancements! Whether boating, entertaining, or relaxing by the shore, this rare coastal escape delivers the privacy, updates, and lifestyle you’ve been waiting for!

26450 Moore Farm Lane, Accomack

$922,500
5 Beds 4 Baths 10647253 MLS
Exceptional all-brick custom home nestled in the heart of Great Bridge, meticulously maintained and thoughtfully designed with a floor plan you’re sure to love. Offering 5 spacious bedrooms and 4 full bathrooms, this home also features a versatile first-floor flex room with adjacent full bath ideal as a 6th bedroom, home office, playroom, or guest suite. The private, beautifully landscaped backyard creates the perfect retreat, complete with a patio and full-yard irrigation system. Built as the builder’s personal residence, the home showcases quality craftsmanship and upscale details throughout, including extensive custom trim work and abundant storage. Additional highlights include a garage loft with extra storage space, dual heat pump/HVAC systems for comfort and efficiency, a large walk-in closet, oversized pantry, generous laundry room, and spacious secondary bedrooms. A rare opportunity to Buy a truly well-crafted custom home in one of Great Bridge’s most desirable locations.

138 Greengable Way, South Chesapeake

$921,000
5 Beds 3 Baths 10649119 MLS
Don't miss out on this gem in Virginia Beach! This one-story, all-brick, custom home built by Caruana Homes has more updates than you can count! In addition to 5 bedrooms, your new home offers 3 renovated full bathrooms, a formal dining room, eat-in kitchen space and an open living room. New LVP flooring throughout the entire living area. The screened-in porch off the kitchen adds versatility for entertaining inside and out or enjoying a quiet evening outside on the deck. Your primary bathroom has been completely remodeled adding space and a fully tiled walk-in shower. While the third full bathroom offers privacy and convenience for anyone in the FROG or the 5th bedroom. The fireplace has been completely redone with a granite surround, large mantle and ventless gas logs. The driveway has been recently redone & is large enough to allow room for plenty of cars or toys if you have them. There is so much to see in this home. Schedule your private tour today!

2628 Lower Greens Place, Southeast Virginia Beach

$920,000
4 Beds 3.1 Baths 10644402 MLS
Welcome to your Pungo sanctuary! Nestled on 3 private acres, this custom, 1 owner brick home offers tranquil country living w/ wraparound front porch overlooking mature trees, flowers & wildlife. The light-filled 1st floor features beautiful hardwood floors, a convenient 1st floor bedroom & full bath. The beautifully updated kitchen showcases custom hickory cabinetry, quartz counters, tiled backsplash & SS appliances. Entertain w/ ease in spacious dining room or step through screened porch onto the deck overlooking your private backyard retreat. The backyard is a nature lover's paradise where deer & hummingbirds are frequent visitors among jasmine & edible landscape featuring blueberries, figs, strawberries & herbs. Expansive primary suite offers a sitting area, walk-in closet & en-suite. A fun surprise awaits in one of secondary bedrooms, complete w/ a suspended train track & working train. Other highlights include generous laundry room, mudroom, pull-through two-car garage & FROG.

3872 Dawley Road, Southeast Virginia Beach

$916,289
4 Beds 2.1 Baths 10650051 MLS
NO HOA! At the heart of the Ambler, you’ll find the kitchen, which curates a culinary haven where creativity knows no bounds. Picture this: a lazy Sunday morning, sunlight streams through the windows. As you sip on your morning coffee, the kids eagerly gather around the expansive center island, ready to lend a hand in preparing a delightful brunch. In the cozy great room, movie marathons & social gatherings await, creating memories that will last a lifetime. When the day winds down, retreat to the sanctuary of the primary suite. Open the elegant doors to reveal a spa-like bath, inviting you to unwind in luxury. But that's not all—not one, but two walk-in closets await, offering a beautiful space for your wardrobe & a touch of indulgence. Beyond these sought-after features, The Ambler boasts practical features such as a generous mudroom & closets galore, ensuring that every belonging finds its place. Pictures from past build. May show options for inspiration.

6576 Blackwater Road, Southeast Virginia Beach

$916,000
3 Beds 2.1 Baths 10643968 MLS
HURRY; THIS HOME WON’T LAST!!! If you are looking for privacy this single family home situated on a spacious 1-acre lot with “no” HOA fee & convenient interstate access is for you!!! The attention to detail & custom upgrades are simply “impeccable”! Home features double door front entrance, 3 bedrooms including that much sought after “first floor primary” with a luxurious spa inspired bath, custom closet, 2 & 1/2 baths, family room with gas fireplace, gourmet kitchen with upgraded “GE Cafe” appliances, loads of custom cabinetry, huge kitchen island, custom trim work though-out, upgraded flooring, enhanced lighting & plumbing fixtures, mudroom with customized storage, large loft with window nook, extra large rear “screened” in covered porch & 2 car side load garage! This amazing home on this incredible lot is a true must see!!!

109 Ballahack Road, South Chesapeake

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.