Refine Search
Sort by
6301 Thomas Paine Drive, James City Co Upper
$699,900
3 Beds ⋅ 3.1 Baths ⋅ 10597238 MLS
Welcome Home to this stunning & upscale "Berkeley", built w/the highest quality interior package offered. Situated on a premium corner homesite surrounded by mature landscaping & tranquil wooded backdrop. Step into this masterful crafted home w/ over 2600sf on the main floor that greets you with an atmosphere you won't forget! The large primary en suite features wood flrs, tray ceiling, two closets w/custom shelving & the most luxurious updated bath area! The gourmet kitchen w/ abundant granite top space, upscale cabinetry, dbl ovens, large island and charming breakfast nook are sure to impress. The Lower Level boasts plenty of options for hobby/guest/entertaining/storage and more! Spend a peaceful evening of outdoor living on the deck, enjoying the tranquil nature setting. Impressive 8' doorways, all updated bathrooms, HVAC replaced in 2022, and Whole Home Water Filtrations are just some of the extras! Time to enjoy the good life in Williamsburg's premiere 55+ resort style community.

6301 Thomas Paine Drive, James City Co Upper

9359 Stonehouse Glen, James City Co Upper
$699,500
5 Beds ⋅ 3.1 Baths ⋅ 10622623 MLS
Living will be easy in this exceptional 5 bdrm, 3.5 baths home in Stonehouse Glen where luxury, comfort and space come together in over 4800 sf of beautifully designed living space! This bright open floor plan features a 2 story foyer with fresh neutral paint, hardwood floors, formal living and dining rooms! The gourmet kitchen provides an abundance of cabinetry, granite countertops, double ovens and is open to a spacious morning room with large windows, family room w/gas fireplace and a beautiful new trex deck! Upstairs includes an expansive owner’s suite w/sitting area and 3 large bedrooms! The fully finished walkout basement is an entertainer’s dream and features a customized kitchenette, bdrm, full bath, home theatre and so much more! This home's spacious layout is ideal for both everyday living and entertaining! Easy access to I-64 and conveniently located 35 mins from Richmond Intl Airport and 20 mins from Colonial Williamsburg! This one is a MUST SEE, stop reading and go show!

9359 Stonehouse Glen, James City Co Upper

1208 Hitchens Lane, James City Co Upper
$695,000
4 Beds ⋅ 3 Baths ⋅ 10522943 MLS
UPGRADES AND LOT PREMIUM INCLUDED IN THE PRICE! Explore the more compact basement alternative at Walnut Farm! While the main-living area retains the same spacious layout as the larger home, the basement offers slightly less space. This lower level features a bedroom, a full bathroom, and a covered patio (can be accessed from both levels). The main-living area on the first floor (level-1) boasts three bedrooms and two bathrooms, providing a generous amount of living space. Revel in the luxurious details, cathedral ceiling in main living area, 1st-floor LVP flooring (Upgrade), custom cabinetry, quartz countertops (6 choices), soft-close cabinets, 9-foot ceilings, solar-ready capabilities, and an Energy Recovery Ventilation system for consistently clean air. BLINDS, have been recently added to the windows.

1208 Hitchens Lane, James City Co Upper

119 Tanbark Lane, James City Co Upper
$691,000
4 Beds ⋅ 3.1 Baths ⋅ 10630535 MLS
Tucked among mature trees over 2+acres, 119 Tanbark Lane offers a peaceful retreat with updated interiors and flexible living spaces. A long driveway welcomes you to a home filled with natural light, warm hardwood floors, and neutral finishes. Recently renovated, this home is move-in ready. The heart of the home is the kitchen, with white cabinets and quartz counters and breakfast nook. The comfortable space expands to the living, dining and family rooms. The primary ensuite bedroom is on the first floor along with 2 additional bedrooms. Note the craftsmanship in the crown moulding, custom cabinets and welcoming “drop zone” by the garage entrance. The bonus room over the garage includes a full bathroom . The lower level for games, a work out or lounging by the fireplace. Enjoy the charming patio and serene backyard surrounded by nature. With generous storage, a detached outbuilding, and convenient access to Williamsburg amenities, this home blends privacy, comfort, and versatility.

119 Tanbark Lane, James City Co Upper

4069 Isaac Circle, James City Co Upper
$687,500
3 Beds ⋅ 3 Baths ⋅ 10620380 MLS
Do you love Williamsburg, but wish the homes were a little less "Burg" and a lot more "Wow"? Well, here's your opportunity to step into a virtually brand new, beautifully upgraded home, in Wbg's premiere resort-style 55+ community. Just 2-years old, the seller has transformed the interior of the home w/high-end finishes including fixtures, tile & cabinetry and audio visual equipment. You'll be impressed at every turn. Even the furniture was chosen for its design & scale to complete the look, & it can be included in the purchase. Stunning James model w/ finished walk-out LL sits on premium lot backing to woods w/no neighbors to the right. Primary ste, guest rom, flex rm & covered rear porch all sit on the main floor. Below, the full-height, drywall finished basement features a huge addl guest suite, full BA, lg media or recreational space. Plumbed for a wet bar w/design in process. And there's unfinished storage for your extra stuff. Like what you see? We can talk about a turnkey price.

4069 Isaac Circle, James City Co Upper

3155 Cider House Road, James City Co Upper
$685,000
4 Beds ⋅ 3.1 Baths ⋅ 10632846 MLS
Don’t miss this custom-built home by Barry L. Williams, complete with an in-law suite. Thoughtful touches throughout, starting with the main level’s formal dining room, great room, study, & eat-in kitchen. Upstairs, the primary bedroom offers 2 closets & an ensuite with upgraded granite & a custom-tiled shower. The 2nd bedroom features a Murphy bed and built-ins, while the 3rd bedroom shares a Jack and Jill bathroom. Extras include an in-place generator, custom study built-ins, stunning wood floors, auto-on lights in most closets, fresh paint, designer sinks and the HVAC system has humidifier with UV light & ERV system just to name a few of the upgrades. Entertain on the spacious deck & patio with a pergola & gas fire pit. The in-law suite is suited for multi-generational living, offering comfort & privacy. This section of Stonehouse has its own pool, plus access to neighborhood amenities like a clubhouse with an additional pool, tennis courts, golf, a community garden, & security.

3155 Cider House Road, James City Co Upper

4544 Kingston Court, James City Co Upper
$685,000
3 Beds ⋅ 3.1 Baths ⋅ 10625198 MLS
Welcome Home! King of the Court! This beautiful Berkley model is ideally situated on one of the largest wooded lots in Colonial Heritage, offering privacy and peaceful surroundings. With its open floor plan, this is one of the most desirable homes in the community. Plantation shutters throughout the home add warmth, charm. The kitchen features the sought-after Gold Package, complete with high-quality cabinetry and upgraded appliances, making it both stylish and functional. The primary bedroom includes hard wood flooring beneath the carpet, giving future owners the option of a seamless hardwood look. Custom closets in the primary en-suite and the first-floor bedroom provide excellent organization and storage. The spacious basement guest en-suite also features custom closets for added convenience. The finished basement offers abundant living space and includes full service bar. Outside, the fully fenced backyard is offers serenity featuring a deck, covered patio and mature trees.

4544 Kingston Court, James City Co Upper

4528 Kingston Court, James City Co Upper
$682,500
4 Beds ⋅ 3 Baths ⋅ 10625468 MLS
This beautifully appointed Camden model showcases a thoughtfully designed kitchen with custom cabinetry, granite countertops, expansive island with seating, gas cooktop, wall oven with convection microwave, pantry, and additional custom cabinetry for enhanced storage. The kitchen flows seamlessly into a spacious Dining Area and inviting Family Room with a cozy gas fireplace, ideal for everyday living and entertaining. The Primary Suite offers two walk-in closets and a spa-like bath with dual vanities, linen storage, and large tile shower. Enjoy a private covered balcony with serene wooded and golf views. Two additional Bedrooms, ideal for guests or office space, plus a Full Bath and Laundry complete the main level. Finished basement features rec area, wet bar, Bedroom, Full Bath, storage, and workshop. Upgrades include Hunter Douglas window treatments, water filtration system, and Rinnai tankless hot water heater.

4528 Kingston Court, James City Co Upper

8415 Down Patrick Way, James City Co Upper
$675,000
4 Beds ⋅ 3.1 Baths ⋅ 10630174 MLS
Welcome to Wellington! This stunning Marquee Home by C. R. McLellon Builder offers everything you need and more. The main level features an open foyer leading to office, living room, formal dining room and kitchen open to a spacious great room. The updated kitchen boasts new stone surfaces and a bright eat-in area, perfect for daily living. With 4 bedrooms, 3.5 bathrooms, and a versatile flex room over the 2 car garage, there is plenty of space for everyone. The expansive walk down/walk-out basement is an entertainer's dream, featuring a second full kitchen, a bar area, full bathroom and a dedicated home theater. You’ll also find an exercise/flex room and a large utility room. Whether you're hosting guests or looking for room to stretch out, this home truly has it all.

8415 Down Patrick Way, James City Co Upper

2167 Fallon Circle, James City Co Upper
$674,900
4 Beds ⋅ 3 Baths ⋅ 10599781 MLS
Welcome Home to 2167 Fallon Circle! Presenting an upscale "Discovery" home backing to a private and tranquil wooded setting. A charming covered front porch welcomes you and a quality designed layout greets you inside. Beautifully appointed craftsmanship, wood flooring and stunning plantation shutters throughout the main living areas. A gourmet kitchen with upscale appliances and cabinetry flows perfectly into the family room and dining area. A large Primary en suite offers two closets and an upgraded bath area with custom touches to enjoy! Lots of extras in the Lower Level too...a large rec room with wet bar/kitchenette, an impressive guest bedroom with large walk-in-closet. Enjoy "Movie Night" in your very own state of the art Media Room, featuring an 85" TV, 7.1 high-grade sound system and raised platform for seating....WOW! Plenty of room for storage & work-shop in the unfinished area. Built in 2024 but better than new. Loads of well thought of extras have been already added.

2167 Fallon Circle, James City Co Upper

9924 Sycamore Landing Road, James City Co Upper
$668,601
3 Beds ⋅ 3.1 Baths ⋅ 10631403 MLS
Experience this custom-built home with York River views, designed for everyday living and entertaining. Enjoy a heated saltwater pool, creating a private outdoor retreat perfect for relaxing or hosting. Inside, you’ll find custom cabinetry, quartz countertops, smart appliances, craftsman-style trim, and solid wood doors throughout. The open-concept layout flows seamlessly, centered around a spacious kitchen with a large island offering ample seating and storage. A separate poolside studio suite provides a private space for guests or extended living, complete with a kitchenette, full bath, living and dining areas, and a walk-in closet. Additional features include generous storage, a walk-in pantry, and pull-down attic access. The upper level offers three spacious bedrooms, two full baths, and a conveniently located laundry room. Energy-efficient solar panels add long-term savings. All furniture conveys, making this truly move-in ready. Located just one minute from Croaker Landing Pier.

9924 Sycamore Landing Road, James City Co Upper

9385 Ottoway Court, James City Co Upper
$665,000
5 Beds ⋅ 3.1 Baths ⋅ 10634305 MLS
Welcome to this beautiful 5 bedroom, 3.5 bath transitional home in the sought-after Stonehouse community, tucked on a quiet cul-de-sac. A charming stone patio at the front offers the perfect spot to relax and enjoy views of the front yard. Inside, the main level features a formal dining room and an open-concept family room and kitchen with newer appliances, granite countertops, and a cozy gas fireplace. The first-floor primary suite provides a private retreat with a walk-in closet and a spa-like en-suite bath. The walkout basement offers incredible versatility with a full kitchen, bedroom, bathroom, and spacious living area, ideal for guests or multi-generational living. Upstairs, you’ll find three generously sized bedrooms and a full bath. Enjoy wooded views from the deck or patio, with easy access to community amenities, shopping, and major roadways.

9385 Ottoway Court, James City Co Upper

1220 Hitchens Lane, James City Co Upper
$665,000
3 Beds ⋅ 2 Baths ⋅ 10621124 MLS
Discover exceptional main-level living at Walnut Farm! Ready for 30 Day Close! This beautifully designed home features a partially-finished basement with a sitting area, spacious covered patio—great for entertaining or easily screened for year-round enjoyment. And, plenty of unfinished storage space. The main level offers three bedrooms and two baths with open, light-filled living spaces that blend comfort and style. Thoughtful details include quartz countertops, a designer range hood, tile backsplash, premium kitchen appliances, luxury vinyl plank flooring, soft-close cabinetry, and cathedral ceilings in the main living area. Built solar-ready and equipped with an Energy Recovery Ventilation system for clean, healthy indoor air, this home delivers the comfort, efficiency, and sustainability that define life at Walnut Farm. Photos are VIRTUALLY STAGED.

1220 Hitchens Lane, James City Co Upper

6423 Rockwell Road, James City Co Upper
$657,000
3 Beds ⋅ 3 Baths ⋅ 10601780 MLS
Welcome Home! "The James", located on a breathtaking wooded setting with gorgeous golf course views. An upscale & classy stone front exterior and inviting front porch greets you. This popular floor plan & design creates ideal everyday living & entertaining space for you and your guest to enjoy. Built with the highest level interior package offered, along with tasteful interior color selections. The bright kitchen boasts stunning white cabinetry and flows perfectly into a charming breakfast nook, family rm & dining rm- with views to the gorgeous outdoors! A luxurious primary ensuite w/tray ceiling, 2 closets and upscale bath. The Lower Level has it all...enjoy the magic of Movie Night or your favorite game on the big screen in the upscale Media Area- w/ large TV and incredible sound system, a pool table, charming spa room to soak & relax in, & an unfinished space for storage needs. The covered deck offers an extended section, perfect for grilling and to enjoy peaceful outdoor time.

6423 Rockwell Road, James City Co Upper

4724 Levingston Lane, James City Co Upper
$650,000
4 Beds ⋅ 4 Baths ⋅ 10633253 MLS
The Marjoram floorplan in the sought-after Colonial Heritage 55+ Active Adult Community offers 4,550 sq ft of beautifully maintained living space across three levels, ideally set on a peaceful, private cul-de-sac lot. This immaculately kept home showcases true pride in ownership. The main level features a spacious primary suite with a sitting room/sunroom, two large walk-in closets, and a beautifully updated bath, along with a guest bedroom offering its own private feel with adjacent full bath. The gourmet kitchen with granite countertops, center island, and abundant cabinetry opens to a cathedral great room with gas fireplace and formal dining area—perfect for entertaining. Gleaming wood floors run throughout. Enjoy outdoor living on the expansive multi-level Trex deck overlooking a serene conservation area. Upstairs offers an additional bedroom, full bath, and a versatile loft/office space with custom built-ins. The finished walkout lower level provides incredible flexibility with a

4724 Levingston Lane, James City Co Upper

6416 Brightwell Court, James City Co Upper
$645,000
3 Beds ⋅ 3 Baths ⋅ 10627816 MLS
Welcome home to 6416 Brightwell Ct! This sought-after “Avon” floorplan in Colonial Heritage backs to peaceful woods and offers easy one-level living. The inviting foyer opens to a flex room with French doors—ideal as an office or 4th bedroom. The spacious primary suite and private guest bedroom with full bath provide comfort and convenience. Enjoy tray ceilings, custom trim, plantation shutters, neutral paint, closet systems, and gleaming hardwood floors throughout the main level. The dining area flows into a large great room and upscale kitchen, perfect for entertaining. Relax on the covered deck and patio with private wooded views. The finished basement adds a bedroom, bath, and wet bar with full-size fridge. Includes sprinkler system, safety upgrades, and a 2-car garage with storage.

6416 Brightwell Court, James City Co Upper

4356 Harrington Commons, James City Co Upper
$642,000
2 Beds ⋅ 2 Baths ⋅ 10619795 MLS
Welcome Home! Easy to see why the sought after Berkeley is so popular. Built with the highest design package offered by the builder & part of the largest series of homes built in Colonial Heritage. Situated on one of the best golf course settings you'll find. A stunning stone front exterior, a large front porch and 8' front door leads you into a convenient layout...all on one floor. "The Kitchen"- it's the best, dbl ovens, generous granite countertops , upgraded cabinetry, NEW BOSCH Refrigerator, NEW GE Profile MW, large pantry with Closet Factory system, a large & inviting island w/ eat-in-kitchen area. Primary BR with plenty of extras and a private guest BR with its very own bath. Spacious sunroom and custom 3 seasons room (includes mini-split heating/air) provides a great spot to relax and enjoy the picturesque golf course setting. Custom paver patio w/ ambient lighting and enhanced landscaping. Three car tandem garage offers plenty of storage & is conditioned w/ a mini-split too.

4356 Harrington Commons, James City Co Upper

6223 Tucker Landing, James City Co Upper
$640,000
3 Beds ⋅ 3 Baths ⋅ 10619524 MLS
Welcome Home to 6223 Tucker Landing! Located on a quiet cul-de-sac backing to a private wooded paradise and a front porch overlooking a park setting is a lovely Avon that awaits you. An open design & flow provides convenient usable space for everyday enjoyment and entertaining! The gourmet kitchen has NEW Kitchen Aid appliances and gorgeous updated cabinetry- opening perfectly to the breakfast nook, family room and dining. A large primary en suite features wood floors, tray ceiling w/ crown, 2 closets and stunning bath area. An impressive Lower Level with LARGE Rec Room, FLEX Room, full bath and plenty of unfinished storage space. Loads of updates/upgrades and stylish finishing touches throughout. The convered deck flows perfectly to the stunning custom designed paver patio, giving you a beautiful & picturesque nature setting. Pristine condition, well cared for and move-in-ready. Time to enjoy the good life in Wmbgs sought after 55+ resort style living community.

6223 Tucker Landing, James City Co Upper

9908 W Cork Road, James City Co Upper
$640,000
4 Beds ⋅ 2.1 Baths ⋅ 10619200 MLS
Nestled on a 1.2-acre cul-de-sac lot in Stonehouse, this 2817 sq ft 4-bed home offers exceptional privacy surrounded by mature trees. The modern layout features a first-floor primary suite, plus 2 bedrooms connected by a dual entry bath and massive bonus room/4th bedroom. Wood flooring plus new carpet has been installed throughout most of the home. The spacious kitchen includes a double wall oven, updated induction cooktop and eat in kitchen area which flows directly into the family room. Energy efficiency to THE MAX with solar panels($69K), a Tesla Powerwall system($23K), keeping the average electric bill $58/month and a tankless water heater. Roof was replaced in 2021. Enjoy a serene backyard with a private trail leading to a nature preserve. Neighborhood amenities include paved pathways along golf course leading to scenic Mill Pond, boat rentals, a clubhouse with exercise room, pool, tennis/pickleball courts

9908 W Cork Road, James City Co Upper

8408 Torbay Bend, James City Co Upper
$639,000
5 Beds ⋅ 2.1 Baths ⋅ 10649789 MLS
Beautiful lakefront, cul-de-sac home, custom built by Wayne Harbin in the highly desirable Wellington community. Offers a very open, bright and flexible floor plan with a 1st floor owner suite. No carpet!! Large kitchen w/custom cabinets, gourmet island and tile backsplash. Beautiful French doors create privacy in the office/living room. 4 nice size bedrooms upstairs. Custom closets. Huge walk in storage area over the garage. Oversized 2 car garage, security system, back deck and new patio. Full waterfront with retaining wall. Automatic full house generator. 180 degree water view from your backyard. Treat everyday like vacation in this gorgeous home. Located close to I64 for an easy commute to Richmond, Newport News and Hampton! The Wellington community offers a pool, community swim team, playground, clubhouse, picnic area and lake access/boat ramp.

8408 Torbay Bend, James City Co Upper

3512 Longwood Drive, James City Co Upper
$639,000
5 Beds ⋅ 2.1 Baths ⋅ 10620516 MLS
Stunning home nestled on an almost half acre corner lot in the highly desirable Stonehouse community. The interior offers three spacious levels featuring gorgeous hardwood floors, beautiful moldings, and thoughtful details throughout. The chef’s kitchen is designed to impress with granite countertops, custom solid wood cabinetry, a wall pot filler, side-by-side stainless refrigerators, and an oversized butcher block island for both prep and casual dining. With spacious bedrooms and multiple inviting living areas including a living room, study, dining room, and expansive third floor, this home offers plenty of space to live, work, and entertain. Outdoor living is just as impressive with a covered porch, screened porch, patio, and large yard for relaxing or hosting guests. Stonehouse provides exceptional amenities including a clubhouse, fitness center, pool, tennis courts, golf, community garden, and dock with lake access.

3512 Longwood Drive, James City Co Upper

2425 W Miller Road, James City Co Upper
$635,000
3 Beds ⋅ 3.1 Baths ⋅ 10615951 MLS
Impeccably maintained home nestled on a private 1.24-acre cul-de-sac lot. Open floor plan with a huge "conversation" kitchen featuring skylights, 2 islands and a breakfast nook with a to-die-for nature view! Great room with a soaring cathedral ceiling, an impressive "gallery" wall, a cozy wood-burning fireplace and an abundance of natural light. Spacious formal dining room with chair rail and crown molding. Primary 1st floor bedroom with en-suite bath and walk-in closet. Hard wood flooring throughout the first floor. Upgrades include an updated roof, central vac, replacement windows, heat pump and vapor barrier in crawl. Lovingly crafted gardens will surprise you with an abundance of blooms throughout spring, summer and fall! Relax on the country front porch or on the tranquil back deck. This one is move in ready and truly a gem. Chickens welcome!

2425 W Miller Road, James City Co Upper

3859 Woodruff Road, James City Co Upper
$635,000
3 Beds ⋅ 2.1 Baths ⋅ 10599430 MLS
Gorgeous move in ready 3 bedroom 2.5 bathroom rancher. The comfortable living room with a gas fireplace seamlessly connects to the well-appointed kitchen featuring new stainless steel appliances, large island with seating, breakfast area, formal dining area and sunroom. Primary bedroom with tray ceilings, sizable walk-in closet and en-suite bathroom with double sink vanity, water closet and luxurious tiled shower. Two additional spacious rooms and bonus room that can be used as an office/den offering versatility to adapt to your needs. Other features: beautiful hardwood flooring, custom window blinds, solar panels, 3 car garage with large driveway for ample parking and much more. Relax on the front porch or the rear deck with pergola, amidst the picturesque beauty of this community. With its central location, this home offers easy access to the interstate, shopping, and community amenities, creating the perfect combination of comfort and convenience in a move-in ready residence.

3859 Woodruff Road, James City Co Upper

6409 Brightwell Court, James City Co Upper
$630,000
3 Beds ⋅ 2 Baths ⋅ 10619742 MLS
Welcome Home! Nothing can compare to this one of a kind stylishly designed Huntley Model. Inviting curb appeal & porch invites you in for a real treat. An impressive foyer showcases the convenient design- all laid out on one elegant level. The dream kitchen boasts dbl ovens, Bosch 5 burner gas cooktop, Bosch DW, LG French Door refrigerator, upscale quartz counters, upgraded shaker style cabinets with under & over ambient lighting and more! Check out the gorgeous custom Transom Window added to the Fam Room...WOW! The primary en suite features wood floors, 2 closets with classy built-in shelving pkgs, updated shower & vanity. You'll find Two guest bedrooms and an office with gorgeous built-ins. A custom porch enclosure with e-z breeze windows, high quality shades and an HVAC mini-split system provide another fun room for you to enjoy. A custom patio w/ high quality awning, fenced yard, tons of enhanced landscaping. Quality touches inside and out and Move-In-Ready for you.

6409 Brightwell Court, James City Co Upper

6947 Vernon Hall, James City Co Upper
$629,000
3 Beds ⋅ 3 Baths ⋅ 10642288 MLS
Welcome Home! Featuring "the right size" of amazing living space for you and your guest to enjoy, starting with an upscale kitchen that showcases gorgeous rich- warm tone cabinetry, double ovens/upgraded appliances, generous countertop space and an absolutely charming eat-in kitchen with lovely bay windows. It's nice having the Primary En Suite and two additional bedrooms on the 1st floor. A casually elegant dining, inviting family room and a sunroom brings the outdoors in with the impressive Pella French Doors providing amazing wooded/golf views. The Lower Level features upscale LVP flooring, a large rec room, an office, (could be used for a bedroom) Flex Room, full bath and plenty of storage with custom shelving. A large custom deck overlooks lush woods and views of the golf course, providing a nature lovers setting for you to enjoy. Nestled on a quiet cul-de-sac, close proximity to clubhouse & amenities- it's the best! BRAND NEW ROOF & loads of thoughtful updates/touches throughout. Time to enjoy resort style living in Williamsburg's sought after 55+ community. MOVE-IN-READY!

6947 Vernon Hall, James City Co Upper

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.