We're here to help you navigate through this unprecedented time. Read Perspectives on the market and COVID-19. Videos We have interesting videos for you to watch on my site. View Videos Flipbooks You can review interesting Flipbooks on my site. View Flipbooks Calculators You can review interesting calculators on my site. View Calculators Welcome! Charles Hoyt A. "Alex" Altizer, RICP® Financial Consultant Richmond, VA Phone Number 804-287-0234 Email charles.altizer@capitalfinancialgrp.com View Profile Financial Consultant Charles Hoyt A. "Alex" Altizer, RICP® James Blassingham, III, CLU, AIF, CPFA Retirement Planning Specialist Norfolk, VA Phone Number 757-461-2210 Email jim.blassingham@capitalfinancialgrp.com View Profile Retirement Planning Specialist James Blassingham, III, CLU, AIF, CPFA James "Jay" Denny, III CLU, ChFC Retirement Planning Specialist Richmond, VA Phone Number 804-287-0274 Email james.denny@capitalfinancialgrp.com View Profile Retirement Planning Specialist James "Jay" Denny, III CLU, ChFC Howard "Buster" Haywood, CLU Registered Representative Wakefield, VA Phone Number 757-899-3222 Email howard.haywood@capitalfinancialgrp.com View Profile Registered Representative Howard "Buster" Haywood, CLU Hunter Haywood Financial Professional Wakefield, VA Phone Number 757-899-3222 Email hunter.haywood@capitalfinancialgrp.com View Profile Financial Professional Hunter Haywood Matthew "Matt" McKenna Retirement Planning Specialist Richmond, VA Phone Number 804-287-0223 Email matthew.mckenna@capitalfinancialgrp.com View Profile Retirement Planning Specialist Matthew "Matt" McKenna Stephen Powell, ChFC, RFC Financial Consultant Norfolk, VA Phone Number 757-461-2210 Email stephen.powell@capitalfinancialgrp.com View Profile Financial Consultant Stephen Powell, ChFC, RFC Newsletters All-in-One Funds: Targeting Time or Risk? This article discusses target-date funds and lifestyle funds, with the more common of the two based on time horizon rather than risk. Bankruptcy Changes Throw a Lifeline to Sinking Small Businesses Many requirements that made it difficult and expensive for small businesses to reorganize using Chapter 11 have been loosened. Learn more. Your Business: Could You Benefit from a Roth Conversion in 2020? This article focuses on the potential short- and long-term tax ramifications of a Roth IRA conversion. Working While Receiving Social Security Benefits Do you understand the Social Security retirement earnings test and how it may affect your current and future Social Security benefits? More Newsletters » Calculators Life Insurance How much life insurance would you need to produce a sufficient income stream for your family? College Funding Use this calculator to estimate the cost of your child’s education, based on the variables you input. Retirement Portfolio Lifespan How Long Will Your Funds Last? More Calculators » California Insurance License #: 0E64585 (Powell), 0L27625 (McKenna) Charles Altizer, James Blassingham, James Denny, Matthew McKenna, & Stephen Powell has earned the Retirement Planning Specialist (RPS) title. The Retirement Planning Specialist title is awarded by Equitable Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and Equitable Advisors' affiliated life insurance carrier, coursework for the certificate was developed exclusively for Equitable Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact us at atretirement@equitable.com. Complaints about an Equitable Advisors FP should be directed to customer.relations@equitable.com. Securities offered through Equitable Advisors, LLC (NY,NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC registered investment advisor. Annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances. Individuals may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. 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