Our Services

Borrow, grow, plan and protect, with every service connected to your bigger picture.

Personal Loan

Personal Loan

Cover a big purchase, a family event or an unexpected bill with a simple personal loan, one fixed payment and a payoff date you know from the start.

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Credit Loan

Credit Loan

Merge high-interest balances into a single lower-cost credit loan, or open a flexible credit line that gives you breathing room without the card-rate trap.

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Mortgage Loan

Mortgage Loan

Buy in Northern Virginia and beyond, refinance to a better rate or tap your equity, with conventional, FHA, VA and first-time buyer programs explained clearly.

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Wealth and Investment Planning

Wealth and Investment Planning

Build a well-rounded portfolio and retirement roadmap that fits your goals, timeline and comfort with risk, then adjust it as your life evolves.

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Tax Advisory

Tax Advisory

Smart tax planning and preparation for individuals, families, military households and small businesses, with year-round support whenever questions come up.

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Insurance Services

Insurance Services

Life, health, disability, home and auto coverage compared across trusted insurers, so your family and the things you have worked for stay protected.

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The Sphere Advantage

Better Together

When one team handles your loans, investments, taxes and insurance, opportunities that would otherwise be missed come into view. A refinance can free cash for your retirement plan. A tax strategy can make your investments more efficient. The right insurance protects every goal you are working toward.

Plan With Us

Coordinated

Decisions in one area support the others.

Compared

Multiple lenders and insurers reviewed for you.

Explained

Clear, written recommendations you can trust.

Reviewed

Regular check-ins keep your plan current.

Service FAQ

Good to Know

Have a specific question about a service? Our team is happy to help.

Simply call us, send a message through our contact page or stop by our Stafford office. Your first conversation is free and there is no obligation.

No. We start with a soft credit inquiry to explore your options, which does not affect your score. A hard inquiry happens only if you choose to apply.

Yes. We regularly help service members, veterans and federal employees with VA loans, TSP and retirement planning, and the tax questions that come with relocations.

Absolutely. Many clients combine services, for example refinancing a mortgage while updating their investment and insurance plans, so everything works together.

Yes. We offer phone and video meetings along with secure online document sharing, so you can work with us from anywhere.
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