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$475,000
3 Beds 2.1 Baths 10649279 MLS
Welcome to your DREAM home in the highly sought after Harbour View community! This impeccable all brick 3 bedroom, 2.5 bath townhome offers generously sized bedrooms, plenty of living space, and a true backyard oasis designed for peace and tranquility. The pride of ownership is evident from the moment you arrive at the front door! This home offers a clean, bright, and inviting ambiance that is truly move-in ready. Step outside onto your private deck and enjoy stunning views of the Nansemond River the perfect setting for morning coffee, relaxing evenings, or entertaining guests. Conveniently located near shopping, medical facilities, interstate access, dining, and entertainment, this home offers the perfect combination of comfort, convenience, and lifestyle.

2121 Soundings Crescent Court, Northeast Suffolk

$1,140,000
5 Beds 3.1 Baths 10649145 MLS
One-of-a-kind ranch-style home adjacent to the 14th hole tee box of The Riverfront Golf Course. This exceptional all-brick and stone residence offers a desirable first-floor primary suite with dual closets, vanities and water closets, two additional bedrooms and baths, large laundry room and hardwood floors throughout the entire home. Upstairs includes a private bedroom, full bath, and a spacious bonus room that can serve as a fifth bedroom, media room, or flex space. The beautifully updated kitchen and bathrooms showcase new granite countertops, Kohler faucets, and Ferguson toilets. Enjoy year-round views from the sunroom, screened porch, or expansive covered veranda featuring a built-in sink, beverage refrigerator, Wolf grill, and bar seating—ideal for entertaining. Impeccably maintained and filled with quality craftsmanship, architectural detail, and timeless design. This gorgeous property is a must-see!

3007 N James Drive, Northeast Suffolk

$560,000
4 Beds 3.1 Baths 10648575 MLS
A beautifully updated home with an inviting front porch and open floor plan perfect for modern living. Soaring ceilings flow through the large living room, seamlessly connected to a stunning kitchen featuring a generous island, stainless steel appliances, granite countertops, & tile backsplash. Breakfast area & pantry complete this chef's dream space. The first floor offers a spacious primary suite with a large walk-in closet and a luxurious ensuite bath featuring double sinks, a soaking tub, and a custom shower. Two additional bedrooms, a full bath & a guest half bath round out the main level. Upstairs, find a fourth bedroom with attached bath plus a large unfinished room—perfect for finishing as a bedroom, media room, or playroom. Outside, entertain on the covered screened porch with a TV overlooking your vinyl-fenced yard. Home backs to a playground & an open park for endless outdoor fun. Whole-home Generac generator & tankless water heater ensure comfort & efficiency. Gorgeously updated with beautiful finishes throughout. This is your move-in-ready dream home.

103 Sea Hero Court, Northeast Suffolk

$600,000
3 Beds 2.1 Baths 10648716 MLS
Stylish and sophisticated, this home will meet the expectations of your most discerning buyers. Special features include a sunroom, recessed lighting throughout, pull down steps to attic with flooring for storage, gourmet kitchen w/ huge island, wiring for generator w/plumbed gas line, stylish mud room, 2 zone HVAC paired w/smoke & carbon monoxide detectors. The primary bedroom features a tiered ceiling & recessed lighting, huge walk in closet, bath with soaking tub, 2 sinks, large tile shower. There is a built in wine fridge & cabinetry plus upstairs features an open office or home school room. A large 2 car garage w/sink & door opener, inviting porch, & rear patio adds to the easy living of this comfortable home. Backing up to an open area & community walking trail, the yard is open & ready for outside activities. Small neighborhood, no through traffic, cul de sac lot, near shopping & restaurants plus easy access to several major roads making it convenient to all Hampton Roads.

1013 Strawberry Court, Northeast Suffolk

$395,000
3 Beds 2.1 Baths 10648965 MLS
What if every morning started with a scenic view and a low-maintenance lifestyle? Enjoy unobstructed views of the 17th tee box and natural wetlands from this luxury condominium in The Riverfront Community. Relax on the screened porch or rear deck while taking in the peaceful surroundings.Inside features Corian countertops, hardwood floors, a jetted garden tub, and several recent updates including UV-tinted rear windows, updated flooring in select areas, and a WiFi-enabled three-zone thermostat system.The Riverfront lifestyle offers amenities, convenience, and carefree living in one of Harbour View's most desirable communities, just minutes from shopping, dining, medical facilities, and major commuter routes. Some photos are virtually staged.

504 Crystal Bay Circle, Northeast Suffolk

$524,900
5 Beds 3 Baths 10648629 MLS
Welcome to Olde Mill Creek, where tree-lined streets, recreation and community events create a special place to call home! This spacious, well-maintained Cape Cod offers 5 bedrooms, 3 full baths and a 3/4 acre lot overlooking protected wetlands. The open floor plan features a large great room with vaulted ceiling, gas fireplace and abundant natural light. The eat-in kitchen offers beautiful backyard views, generous cabinetry, new refrigerator and bar seating, plus a separate dining room for gatherings. The private primary suite features an electric fireplace, walk-in closet with custom built-ins and ensuite bath with dual vanities, jetted tub and shower. Enjoy movie nights in the large FROG with full bath—home theater setup and furniture convey! Relax on the back deck with water views and kayak access from your own backyard. Brand-new roof August 2026. 30 amp RV pad. Ready for a new family to call home!

1500 Olde Mill Creek Drive, Northeast Suffolk

$545,547
3 Beds 3 Baths 10648523 MLS
Estimated completion Fall/Winter 2026. Enjoy low-maintenance living and an active lifestyle in this new construction home located in a welcoming 55+ community in the Harbor View area of Suffolk. Designed for connection and comfort, this single story-open-concept home features two bedrooms and two bathrooms on the first floor. The room over the garage offers flexible space with the option of a 3rd bedroom, or guest retreat. Built by a local well-established local builder, this community is ideal for those seeking an easier lifestyle but not giving up on quality of living. Visit our model home daily from 12-5pm and ask about our current builder offerings. We also have other floor plans with varying completion timelines.

2015 Asher (Lot 83) Drive, Northeast Suffolk

$437,280
4 Beds 2 Baths 10648432 MLS
Home is complete and move-in ready! This brand-new ranch-style home is thoughtfully designed for easy living and located in a quiet neighborhood featuring trails and a community playground. The open-concept floor plan offers 4 bedrooms and a beautifully appointed kitchen with 42" Ellis Gray cabinets and Fantasy Brown granite countertops, perfect for everyday living and entertaining. The primary suite features a private bath with a walk-in shower, ceramic tile flooring and tiled walls, plus direct access to the screened-in back porch. An additional bedroom also opens to the porch, offering a flexible layout ideal for guests, extended family, or multi-generational living. With stylish finishes, a functional design, and a peaceful setting, this beautiful new home is ready for you to move in and enjoy! DIRECTIONS: I-58 W, exit Rt 10 N, Right at Wawa and follow the signs on Corporate Lane

2015 Carroll Brinkley Way, Northeast Suffolk

$1,275,000
4 Beds 3.2 Baths 10648364 MLS
Mint-condition transitional home overlooking The Riverfront Golf Course! Thoughtfully designed with timeless finishes and custom details throughout, this exceptional home offers beautiful Brazilian Cherry hardwood floors, spacious living areas, and stunning views from both the front and rear of the property. The first-floor primary suite provides a private retreat with his-and-her closets, a luxurious jetted tub, and an oversized tiled shower. The open and inviting floor plan features a formal living and dining area complemented by a convenient butler’s pantry, while the spacious family room centers around a beautiful stone gas fireplace. The gourmet kitchen is designed for both everyday living and entertaining, featuring an oversized center island, GE Monogram stainless-steel appliances, granite countertops, custom cabinetry, and an instant-hot faucet. Upstairs, you’ll find three additional bedrooms along with a large bonus room offering endless possibilities as a media room, home office, playroom, or private retreat. Venture outside to the expansive screened porch, complete with Trex decking and remote-operated screening, overlooking a stamped-concrete patio and beautifully landscaped .44-acre lot—plenty of room for a future pool. The rear of the home captures gorgeous views of the 14th green and surrounding marsh, while the Nansemond River serves as a stunning backdrop from the front yard.

4016 River Park Drive, Northeast Suffolk

$575,000
4 Beds 2.1 Baths 10646006 MLS
This gorgeous traditional brick home sits in the desirable golf course community of Harbour View, with major updates complete! Updates include a 2024 asphalt shingle roof, dual-zone HVAC systems replaced in 2020 and 2024, and a 2026 gas water heater. The open floor plan offers vaulted ceilings, abundant natural light, and a functional layout for everyday living and entertaining. The eat-in kitchen features a brand-new Frigidaire Gallery black stainless steel, smudge-proof appliance package, including a six-burner gas range, dark engineered hardwood floors, and French doors leading to a refurbished back deck—great for morning coffee or relaxing in the evening. Fresh neutral paint, new Mohawk carpet throughout, new Levolor blinds, and updated fans and fixtures—move-in ready! The two-car garage boasts tall ceilings for extra storage and even includes a nice garage refrigerator. Rest assured, the property has a clear moisture/termite letter in 2026. The crawl space features a new vapor barrier, VA residential code compliant dehumidifier and monitoring system. Ideally situated for an easy commute to Chesapeake, Portsmouth, Norfolk, Newport News, or Virginia Beach. Enjoy nearby shopping and dining at Harbour View Marketplace and Harbour View East, along with convenient access to Bon Secours Harbour View Medical Center, Sentara BelleHarbour, and a wide range of medical offices and services. Norfolk Naval Shipyard and Naval Medical Center Portsmouth are also just a short commute away. Enjoy plenty of outdoor recreation, including Bennett’s Creek Park with boat ramps, nature trails, and a fishing and crabbing pier. The gas fireplace and sprinkler system convey as-is. The $53 HOA fee covers common area grounds maintenance. Easy to show; call me with any questions or to schedule a private tour.

5066 S Links Circle, Northeast Suffolk

$599,950
4 Beds 3 Baths 10648212 MLS
Welcome to 110 Creek Lane in Sought-After Suffolk's Premier vibrant 55+ community! This spectacular DETATCHED condominium offers stunning custom upgraded finishes throughout. Enjoy beautiful views of the water and sunsets from the second level covered deck. The first floor features a spacious primary suite with an en suite bath and private covered patio leading to your own enclosed courtyard. You'll find an additional bedroom and full bath on the main level, great for guests or an office. Upstairs, discover two additional bedrooms, a full bath, and oversized flex room that opens to a covered porch-perfect for relaxing and entertaining! Enjoy the convenience of a 220V garage outlet for your electric vehicle. Outdoors you will enjoy the 10 ft. extended outdoor patio with custom pavers and artificial turf for easy maintenance. Additional highlights include custom accent walls, built-in mudroom cabinetry and a gourmet kitchen with upgraded cabinets, tile backsplash and quarts countertops. This custom home has it all!

110 Creek Lane, Northeast Suffolk

$893,900
5 Beds 4.1 Baths 10648185 MLS
Welcome to The Carlisle! This stunning home welcomes you with an open formal dining room flowing seamlessly into the great room, gourmet kitchen, and breakfast area, with direct access to the covered rear porch through sliding glass doors. The beautifully upgraded kitchen features two pantries, upgraded cabinetry, a drop-in gas range, and a spacious gourmet island. The first floor also offers a full-size office, Zoom room, powder room, and guest suite with a private en-suite bath. Upstairs, you'll find three additional bedrooms, a remote-learning space, spacious laundry room, loft/bonus room, and an impressive primary suite featuring a tray ceiling, luxurious en-suite bath with dual vanities, and a huge walk-in closet. Ask about available CCA with use of the builder's preferred lender and title company! Estimated September Completion.

300 Rhapsody Drive, Northeast Suffolk

$439,900
4 Beds 2.1 Baths 10648188 MLS
Welcome home! Beautiful 4 bedroom, 2.5 bath home located in the highly sought after Graystone Reserves neighborhood of Suffolk! Built in 2015 and offering over 2600 square feet, this home features a well-designed, versatile layout ideal for both everyday living and entertaining. The main level includes a formal dining room, a beautifully appointed kitchen with abundant cabinet space, granite countertops, and a breakfast nook, as well as a generous living area with a cozy fireplace. A first floor bedroom and 1/2 bath provide flexibility for guests or a home office. Upstairs, you'll find a spacious primary suite, two additional bedrooms, a convenient second floor laundry room, and a large bonus space with the potential to be converted into a 5th bedroom. Fresh paint throughout and new carpeting upstairs. Seller to pay $5000.00 in CCA OR will install a fence with a full-price offer. Home inspection available upon request.

2147 Redgate Drive, Northeast Suffolk

$340,960
3 Beds 2.1 Baths 10648084 MLS
Home is complete! Ask about the $15,000 "Use As You Choose" offerings when using the builder's preferred hometown lenders and settlement agent, whether it's for closing costs, a rate buydown, or other approved options. Inside, you'll find luxury vinyl plank flooring throughout the first floor, with the exception of the primary bedroom (carpeted) and primary bath (tiled). The kitchen features 42" cabinets and granite countertops, perfect for both everyday living and entertaining. The first-floor primary suite offers a tiled bathroom with tile walls and a rain head shower. Upstairs, there are two additional bedrooms and a large walk-in storage area. Each unit also includes a fenced patio with an outdoor storage closet for added convenience. Playground and trails throughout.

1011 Robinson Road Unit 5B, Northeast Suffolk

$635,000
4 Beds 2.1 Baths 10647943 MLS
This stunning, all BRICK Ranch, integrates a charming blend of elegance, comfort and space combined with fantastic curb appeal with a most spectacular private rear yard Oasis. The Home showcases 4 bedrooms and 2 and one half baths, 2907 square feet on approximately 3/4 acre with gorgeous floral gardens, mature trees and masterfully designed landscaping. It offers an expansive Main Floor Primary Suite with a spa-like bath ensuite that includes double vanities, soaking tub & tiled shower with a large walk in closet. Staircase leads to optional 4th Bedroom/versatile Bonus room with closet above Oversized 2 Car Garage/Workshop with a separate exterior side entrance. Cathedral Ceiling in main living, open floor plan area with a gas fireplace, gleaming wood flooring, separate dining room, gourmet kitchen, stainless appliances, bar area & breakfast nook, 3 main level bedrooms & laundry, large front porch and a rear deck that overlooks the most spectacular backyard Oasis! This is "THE ONE"!

8776 Adams Drive E, Northeast Suffolk

$300,000
2 Beds 2 Baths 10647630 MLS
Move right into this beautifully updated 2-bedroom, 2-bathroom townhouse featuring an attached one-car garage and a flexible floor plan designed to fit your lifestyle! Freshly painted with brand-new flooring throughout, this home is truly move-in ready—all appliances convey, so all that's left to do is unpack.The spacious kitchen features ceramic tile flooring, a cozy eat-in area, and plenty of cabinet space, while the open-concept dining and living rooms create the perfect setting for everyday living and entertaining. Need additional space? The dedicated office offers the flexibility to work from home or can easily be converted into a third bedroom.Situated on a desirable oversized corner lot, this home offers plenty of outdoor space for gatherings, games, and relaxing.Enjoy low-maintenance living with fantastic community amenities, including a swimming pool, tennis courts, playground, and scenic walking paths throughout the neighborhood.

6100 Cambridge Drive, Northeast Suffolk

$395,000
3 Beds 2.1 Baths 10647826 MLS
Welcome to this beautifully updated home in Suffolk, where quality craftsmanship and thoughtful upgrades shine throughout. The stunning kitchen features brand-new high-end Bosch appliances, while new flooring extends through most of the home, creating a fresh and modern feel. The dining room is enhanced with a custom quartz buffet, perfect for entertaining, and the spacious primary suite offers a striking stone fireplace, creating a warm and luxurious retreat. Enjoy outdoor living year-round on the screened-in balcony porch, ideal for relaxing or hosting guests. Additional updates include a new HVAC system, stylish new lighting fixtures throughout, and surround sound wiring for an exceptional entertainment experience. Every detail has been carefully considered, making this move-in-ready home a must-see.

4033 Palmer Court Court, Northeast Suffolk

$337,999
3 Beds 2.1 Baths 10647796 MLS
Welcome home to this beautifully maintained, move-in-ready 3-bedroom, 2.5 bathroom home offering nearly 1,900 square feet of comfortable living space. The spacious, open concept floor plan is suitable for both everyday living and entertaining, featuring generous living and dining areas filled with natural light. Upstairs, you'll find a spacious primary suite along with two additional well-sized bedrooms and ample storage throughout. Enjoy added peace of mind with a brand new HVAC system installed in July 2026. Conveniently located near shopping, dining, schools, military bases, and major routes, this home offers the perfect blend of comfort, convenience, and value. Don't miss your opportunity to make this beautiful home yours. Schedule your private showing today!

5027 Prestwick Street, Northeast Suffolk

$1,168,000
5 Beds 4 Baths 10647868 MLS
Discover Main Floor Living in this Brand-New Home at The Retreat at Cedar Point! Exceptional new home by Sasser Construction, 4 Baths, approximately 3,900 square feet of thoughtfully designed living space. Luxurious primary suite with zero entry ceramic shower & free-standing tub, private guest suite, gourmet kitchen with quartz counters, gas cooktop with built-in microwave/oven, spacious walk-in pantry, 11’ family room ceiling, and an open layout perfect for entertaining. Hardwood flooring throughout first floor, covered back porch and paver patio. Enjoy second floor recreation room, bonus flex room, and two additional bedrooms. Top-of-the-line appointments include custom cabinetry, upgraded tile baths, epoxy garage floor. The front of the home sits directly across the street from the riverfront lots, while the back of the home opens to vast common greenspace — surrounding you with scenic views on both sides. Located in The Retreat at Cedar Point with optional membership to Cedar Point Golf Club and Pool. Luxury, quality, and lifestyle await!

27 River Edge Drive, Northeast Suffolk

$749,000
4 Beds 2.1 Baths 10647734 MLS
Don’t miss this stunning new construction home in desirable Nansemond River Estates!This beautifully crafted residence offers a spacious, flowing open floor plan with 9’ ceilings, featuring 4 generously sized bedrooms, a dedicated home office, 2.5 bathrooms, and ample walk-in closets throughout. The gourmet kitchen is a chef’s dream, complete with custom cabinetry and crown molding, granite countertops, soft close cabinets, a gas cooktop, double oven, and a large walk-in pantry. The open-concept design flows seamlessly into a spacious living area with a cozy gas fireplace that's perfect for relaxing or entertaining guests. Exterior highlights include durable and elegant Fiber Cement siding, a massive wrap-around porch ideal for outdoor enjoyment, and meticulous attention to quality throughout.Plus, enjoy peace of mind with a National 2-10 Home Buyer Warranty included! Schedule your tour today and experience the exceptional lifestyle this home has to offer!

3409 Mintonville Point Drive, Northeast Suffolk

$699,900
5 Beds 4.1 Baths 10647671 MLS
The Azalea welcomes you with a charming covered front porch and thoughtfully designed spaces throughout. A formal dining room or study and convenient drop zone greet you upon entry. The open-concept kitchen features upgraded cabinetry, quartz countertops, Energy Star appliances, and a large island with extra storage. The breakfast area opens to a covered rear patio and overlooks the spacious great room with a cozy gas fireplace. A first-floor bedroom with walk-in closet and full bath is perfect for guests. Upstairs offers 4 additional bedrooms, a generous loft, and laundry room. The luxurious primary suite includes two walk-in closets, a private sitting room, and a spa-like en-suite bath. Professionally designer-curated and move-in ready. Ask about current builder incentives when using the builder’s preferred lender. Close by end of September for special incentive!

166 Long Cove Dr, Northeast Suffolk

$571,750
4 Beds 3.1 Baths 10647711 MLS
100% complete and ready for quick move in. Step into a beautifully designed two-story Dunnet home where elegance meets comfort. The refined Hardie Plank exterior complements a thoughtfully crafted floor plan. At the heart of the home, the kitchen features fantasy brown granite countertops, a spacious island, and 42-inch white soft-close cabinetry, great for daily living and entertaining. The primary suite offers a private retreat with a cozy sitting area. Its en-suite bath includes an oversized shower and a separate soaking tub for a spa-like experience. Enjoy seamless indoor-outdoor living with a screened porch great for relaxing. A rooftop deck, accessible from the primary bedroom, showcases sweeping views of the Nansemond River, an ideal setting for peaceful mornings and stunning sunsets.

106 Getty Road, Northeast Suffolk

$450,000
4 Beds 3 Baths 10647525 MLS
Move in ready home in the sought after Graystone Reserves neighborhood! This home offers space for everyday life and flexibility. Offering 4 spacious bedrooms plus an oversized loft area, 3 full bathrooms, and a 2 car garage. Walk in to the open foyer, flex space, and large living area with LVP flooring throughout and lots of natural light. The kitchen offers plenty of cabinets, a pantry, Kitchenaid stainless steel appliances, a peninsula for seating and eat in dining space. Completing the first floor is the 4th bedroom and full bathroom, perfect for guests. Upstairs is primary suite that offers tray ceilings, a large walk-in closet, and attached bathroom to include dual sinks, soaker tub, and large shower with glass enclosure. The yard is fully fenced with vinyl privacy fencing, an extended concrete patio, gazebo for relaxing, and a shed for additional storage. Additional updates include brand new carpet, gutters, and smart home capabilities. Come see all that this home has to offer!

2008 Redgate Dr Drive, Northeast Suffolk

$430,000
4 Beds 2.1 Baths 10647477 MLS
You will love coming home to this beautiful and well-maintained property in the desirable Woodlake North neighborhood of Suffolk. The bright, open floor plan and spacious backyard create an ideal setting for comfortable family living and effortless entertaining. LVP flooring on the first floor and neutral-toned carpet on the 2nd, along with tasteful wall colors and finishes throughout, make this home truly move in ready. The generously sized bedrooms with ample closet space will delight all, while the primary bath, featuring a freestanding clawfoot tub, separate tiled shower, and antique vanity with wash bowl, offers a charming en-suite retreat. Two sheds and a mini-split which cools the garage add extra convenience. Recent updates include a roof and gutters in 2018, gutter guards in 2021, and a new GE range with double convection/air fryer ovens, plus a 5-ton AC unit in 2025. A Choice Home Warranty through August 2027 will convey to the buyer. This one is priced to sell! Don’t wait!

207 Holbrook Arch, Northeast Suffolk

$367,000
3 Beds 2.1 Baths 10647492 MLS
Welcome to The Riverfront at Harbour View! This beautifully maintained 3-bedroom, 2.5-bath condo offers the perfect blend of comfort, style, and convenience. The open-concept floor plan features a spacious living area with a cozy gas fireplace and flows seamlessly into the kitchen, complete with a large granite island, granite countertops, ample cabinet storage, and stainless steel appliances, several of which have been updated within the past two years. Upstairs, the primary suite offers a walk-in closet, double vanity, and private ensuite bath. Enjoy a low-maintenance lifestyle just minutes from shopping, dining, golf, parks, walking trails, and everything Harbour View has to offer. Convenient access to major highways makes commuting throughout Hampton Roads a breeze. Don't miss this opportunity to own in one of North Suffolk's most desirable communities!

203 Cobblestone Reach Unit F3, Northeast Suffolk

$679,990
4 Beds 3.1 Baths 10647438 MLS
The McDowell features a first-floor primary bedroom, formal dining room, two-story family room, kitchen with an island and pantry, plus breakfast area. The second-floor offers three spacious bedrooms and two additional baths, including a Jack-and-Jill bath between bedrooms two and three, an oversized loft area, and an unfinished storage space. Options available to personalize this home include an alternate kitchen layout with a butler's pantry, a 1st floor guest suite with a full bath or an office instead of the formal dining room, sunroom, screen porch or covered rear porch, an additional upstairs loft area or a media room, an additional laundry room with the media room option, a bonus room instead of the open loft, or a second primary bedroom with full bath. Personalize this home to fit you! Lots are a minimum of .3-acre, three car garages are available.

MM Mcdowell, Northeast Suffolk

$669,990
4 Beds 3.1 Baths 10647428 MLS
The Colfax is a spacious, two-story, four-bedroom, three-and-a-half-bath home with a formal dining room, office with French doors, spacious family room, kitchen with island and walk-in pantry plus a separate butler's pantry, and large storage area in the garage. The second floor features all bedrooms including the primary bedroom with two walk-in closets, a loft area, and a laundry room. Bedroom four features its own bath, perfect for a guest suite. Options available to personalize this home include a covered rear porch, screen porch, sunroom, first-floor guest suite with full bath, enclosed bonus room in lieu of upstairs loft area, primary bath options, plus much more. Large lots, a minimum of .3 acres makes this a great place to be! Three car garages are available.

MM Colfax, Northeast Suffolk

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.