Topside Financial

• Scott E. Pettyjohn, LUTCF
  Scott began his career in financial services in 1999. Prior to that, he was a business owner and hospital administrator for two veterinary practices in Alexandria, Virginia. He attended George Mason University and also attended The American College to expand his practice into the area of  "Special Needs" planning. This highly specialized area of financial planning helps people that have children or adult dependents with special needs plan for their financial future. His attention to detail and dedication to the team will allow him to serve the current and future members through Topside Financial, LLC.. Scott is an active member of NAIFA, "National Association of Insurance and Financial Advisors" and has been the President of the local NAIFA-Fredericksburg in 2002 and 2007. He is also a member of AHIA, "Association of Health Insurance Advisors".
   
  • For more information visit the Topside Financial website.
     
  • Contact me at 540-273-6549 or  sepettyjohn@financialguide.com to schedule an appointment.
    
     
• William "Bill" J. McAvinney,  III
  "I began in this business in 1982 with a philosophy of providing financial services and recommendations based on conservative financial principles."

  Bill has been in the financial services industry for more than 25 years. He began his career in financial services in New England and in 1989 he relocated his family to Fredericksburg, Virginia. Along with serving his clients through the financial services industry he has given back through many local and national organizations. He is also actively involved with the Fredericksburg Regional Chamber of Commerce, NAIFA Fredericksburg and the Association of Health Insurance Advisors (AHIA). 

  Bill and his wife Ginny have been married for more than 35 years. They both agree that moving to Fredericksburg, Virginia with their four daughters was among the best decisions they ever made.

  • For more information visit the Topside Financial website.

  • Contact me at 540-361-2216 or wmcavinney@financialguide.com to schedule an appointment.

Personal Strategies

• Insurance Products
  • Life Insurance
  • Disability Income Insurance
  • Anthem Individual Health Insurance (2)
  • Long Term Care Insurance
• Retirement Products & Services
  • Individual Retirement Accounts (IRAs)
  • ROTH IRAs
  • Fixed and Variable Annuities
  • Retirement Needs Review
  • Financial Planning
• Tuition Funding Programs
  • 529 College Savings Plans
  • College Cost Analysis
  • Analysis of Investment Alternatives
• Investment Products
  • Mutual Funds
  • Variable Annuities
  • Securities Brokerage Services
  • Managed Investment Accounts
• Estate Planning
  • Estate Preservation
  • Tax Reduction Strategies
  • Charitable Giving
  • Trust Services (1)
• Special Needs Planning
  • Access to information, specialists and financial solutions for people with disabilities and special needs. 

Business Strategies

• Employee Benefit Programs
  • Group Health Insurance (2)
  • Group Life and Disability Income Insurance (2)
  • Pension, Profit Sharing and 401 (k) Plans
  • Voluntary Group Benefits (2)
  • Simple IRAs, SEP IRAs, Single Ks
  • Non-Qualified Retirement Programs
  • Financial Education Seminars
• Executive Fringe Benefits
  • Executive Bonus Plans
  • Split Dollar Insurance
  • Deferred Compensation Funding
  • Salary continuation Plans
  • Non-Qualified Executive Benefits
• Business Continuation Planning
  • Buy-Sell Strategies
  • Family Business Succession Planning
  • Key Person Insurance

(1) Services provided by MassMutual Trust Company, FSB - Wholly owned stock subsidiary of MassMutual
(2) Products not offered through MassMutual