You're probably here because...
Retirement Planning
You are thinking about retiring but are unsure how much you can take from your retirement assets each year while staying tax efficient.
Estate Planning
you have assets and want to leave them to your kids or charity in a tax-efficient, stress-free way.
Selling Your Business
You just sold your business (or you're thinking about it) and need help figuring out what comes next.
High Taxes
You earn a lot on paper but need help keeping more of what you earn.
Confusing Investments
You've got investments scattered everywhere and you're not sure if you're even on the right track.
You Want Answers
You are tired of doing this on your own, or your advisor isn’t answering the phone.
We Care About the Plan, Not Just the Performance Numbers
Here's the thing about most financial advisors: they'll show you how your accounts performed last quarter, nod approvingly, and send you on your way. That's not how we work.
When you come in for a review, we're asking about your life. What's changed with your job? Your spending? Your goals? Because your financial plan should evolve as your life does—not sit in a drawer collecting dust.
What Makes Us Different
Preserve Generational Wealth Through Strategic Tax Planning
Our office delivers integrated tax and investment services, ensuring every financial decision is approached with tax efficiency as a priority. By managing your wealth and taxes under one roof, we streamline communication and coordination, saving you valuable time while helping you retain more of your earnings and navigate complex tax situations with confidence.
Our Relationship Doesn’t End With a Plan — It Grows As Your Goals And Life Evolve
Your financial life doesn’t stand still — and neither do we. We stay actively engaged through regular annual reviews, with additional meetings whenever your goals or situation change. Our focus is on maintaining a proactive partnership that keeps your plan relevant and effective year after year.
Who We Work With
Individuals Getting Ready to Retire
We work with families who are in retirement and want to make their money last, as well as families preparing to retire who need guidance on Social Security timing, how much they can withdraw from accounts without running out of money, and how to plan for unexpected costs.”
High-Income Professionals
We work with households that have a high amount of income and need strategies to save what they make from taxes by working with our in-house tax firm.
Business Owners Planning Their Exit
Selling a business is probably the biggest financial event of your life. We help you navigate what comes before and after so you don't leave money on the table.
Complex Financial & Tax Situations
We specialize in serving clients with complex financial and tax situations, including executives with stock options, business owners, and individuals managing inherited wealth or multi-generational assets. Our integrated approach combines tax expertise and wealth management to create coordinated strategies that minimize tax burdens, optimize cash flow, and preserve long-term wealth.
What Makes Us Different
Comprehensive Financial Planning
We take a comprehensive approach beyond reviewing account performance, focusing on retirement, taxes, estate planning, and risk management to ensure your entire financial life is organized and secure.
Investment Management
We build and manage portfolios that fit your goals and timeline—and we do it in a way that considers taxes, not just returns.
Retirement Income
Planning
We focus not only on growing your assets but also on generating income to sustain your lifestyle in retirement without outliving your assets.
Taxes & Wealth Management
While many advisors do not or cannot address tax matters, our office includes an in-house tax team that prepares your tax return and provides tax guidance, allowing you to manage your wealth and tax needs seamlessly.
The Steps We Take
Step 1: Quick Fit Call (15 Minutes, Free)
We get to know each other. You tell us how we can help, we explain how we work, and we both decide if we’d like to meet again.
Step 2: Discovery Meeting
This is where we dig deeper together and discuss what your concerns and goals are in a detailed way.
Step 3: Financial Plan Meeting
We review our recommendations and discuss next steps if you’d like to work with us.
Step 4: Implementation Meeting
We implement our recommendations, which may include signing paperwork or completing rollovers.
Step 5: Ongoing Reviews
We meet with you at least annually to review your situation.
How It Works
The Wealth Station
Tips, tricks & more on how to keep your finances in check!
Find Out in Just a Few Minutes with Our Free Retirement Readiness Scorecard
Take the guesswork out of your future. Our Retirement Readiness Scorecard helps you quickly identify strengths and gaps in your retirement plan—from income and tax strategy to healthcare and legacy planning. In just a few minutes, you’ll see where you stand and discover the next steps to build a confident, worry-free retirement. Download your free scorecard and get started today!
Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
How Ready Are You for Retirement?
Morgan & Shinault Wealth Advisors is a wealth management firm located in Galax, Virginia, serving high-income families, pre-retirees, retirees, and business owners throughout the United States. Whether you're in Galax, the New River Valley, or across the country, we provide straightforward financial planning and investment management tailored to you.
We specialize in helping pre-retirees and retirees navigate retirement transitions, high-income professionals minimize taxes and build wealth efficiently, and business owners plan for life after selling their companies. Our approach integrates tax strategies, investment management, and retirement income planning—all tailored to your specific goals.
Our mission is to put your needs at the center of everything we do. We offer a true one-stop shop where wealth advisors and tax professionals collaborate seamlessly to maximize your after-tax wealth. We strive to provide thoughtful, transparent guidance that adapts as your life evolves. As your trusted partner, we’re dedicated to helping you achieve lasting financial well-being.
Our Mission
