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$494,900
4 Beds ⋅ 2.1 Baths ⋅ 10638056 MLS
Welcome to 106 Sea Hero Court where modern comfort meets low-maintenance living in one of Suffolk’s most desirable communities. This beautifully maintained 4-bedroom, 2.5-bath home offers over 2,000 square feet of thoughtfully designed living space, great for today’s lifestyle. The open-concept floor plan features a spacious kitchen with ample cabinetry, generous counter space, and a large island overlooking the dining and living areas—great for entertaining or everyday living. Upstairs, the oversized primary suite provides a relaxing retreat with a spacious walk-in closet and an en-suite bath, while three additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the convenience of a move-in-ready home with modern finishes, abundant natural light, and plenty of storage throughout. Step outside to a private backyard that’s great for grilling, relaxing, or enjoying quiet evenings. Located just minutes from Harbour View shopping, dining, medical facilities, golf courses, and major highways, this home offers an easy commute to Norfolk, Chesapeake, Newport News, and local military installations. If you’ve been searching for a spacious, newer home in a convenient location, this is an opportunity you won’t want to miss. Schedule your private showing today and see everything 106 Sea Hero Court has to offer.

106 Sea Hero Court, Suffolk
$598,500
4 Beds ⋅ 2.1 Baths ⋅ 10637990 MLS
New construction awaits you in North Suffolk. The Ann Marie model, offers an open concept kitchen and family room layout on the first floor. This 4 bedroom home sits on a wooded 1.3 acre lot with easy access to downtown Suffolk, N Suffolk and Rt 58. Luxury vinyl plank flooring, granite countertops, and stainless steel appliances are just a few of the amenities that come standard with this home. Contact Listing Agent for more info. Estimated completion date of August 2026.

2774 Nansemond Parkway, Suffolk
$407,900
4 Beds ⋅ 2 Baths ⋅ 10637931 MLS
Move in and make this beautifully updated brick ranch your home! This charming property features a versatile FROG with skylights, perfect as a fourth bedroom, office, or flex space. The first-floor primary suite offers a walk-in closet and a private en-suite bath with an oversized ceramic tile shower. Both bathrooms have been fully updated with elegant granite countertops. Enjoy brand-new laminate wood flooring in the main living areas, plush new carpet in the bedrooms, fresh interior paint, and upgraded lighting throughout. The updated kitchen features new soft-close cabinetry, granite countertops, and stainless-steel appliances including a stove, microwave, dishwasher, and refrigerator. Situated on nearly half an acre, the spacious yard includes a rear patio and storage shed, ideal for relaxing or entertaining. An attached two-car garage with a new garage door and extended driveway provide ample parking. Conveniently located near interstates, medical facilities, shopping, and dining.

2076 Nansemond Parkway, Suffolk
$436,620
3 Beds ⋅ 2.1 Baths ⋅ 10638046 MLS
Home is complete and ready for a quick closing! This beautiful two story Birch floor plan offers refrigerator, washer and dryer for easy move in and an open concept design with stylish finishes throughout. The kitchen features Fantasy Brown granite countertops, 42" white cabinets, a large center island, and stainless steel appliances, creating a functional space for cooking and entertaining. The spacious primary suite includes an upgraded oversized walk-in shower, a separate soaking tub, and a well appointed en-suite bath. Relax year round on the screened porch and enjoy the convenience of living in a new community with trails and a playground. Don't miss the opportunity to own this move-in-ready new construction home.

2009 Carroll Brinkley Way, Suffolk
$315,000
3 Beds ⋅ 2.1 Baths ⋅ 10637461 MLS
Welcome home to this spacious end-unit condo offering 3 bedrooms, 2.5 baths, and a flexible floor plan designed for comfortable living. The first-floor primary suite provides convenience and privacy, while the bright and open living room features soaring 9-foot ceilings that create an airy, inviting feel. Enjoy both a formal dining room and an eat-in kitchen, providing plenty of space for everyday meals and entertaining guests. Fresh paint throughout and professionally cleaned carpets make this home move-in ready. Upstairs, you'll find a generously sized flex space with extensive built-ins, perfect for a home office, media room, library, craft room, or additional living area. Residents enjoy access to outstanding community amenities, including a pool, clubhouse, and fitness center. Combining spacious living, desirable amenities, and low-maintenance ownership, this beautiful end-unit condo is one you won't want to miss!

2284 Humphreys Drive Unit #281, Suffolk
$810,000
4 Beds ⋅ 3.1 Baths ⋅ 10637616 MLS
Experience refined living in the award-winning Riverfront at Harbour View, Suffolk's premier golf & riverfront community. Custom-built & meticulously maintained by the original owner, this beautifully appointed home offers sought-after one floor living with a spacious upstairs FROG/4th bedroom w/full bath making it ideal for guests, office, or flex space. Designed for both comfort & functionality, the home features a downstairs primary suite, additional 1st floor bedroom & bath, plus half bath, offering flexibility for a variety of living arrangements. 3rd downstairs bedroom/office. Open-concept with hardwood floors & modern finishes, cathedral ceilings & gas fireplace. An oversized sunroom & outdoor patio are perfect for entertaining year-round. Side-entry two-car garage & detached storage shed. Close to hospitals, military bases, restaurants & shopping.

3395 Village Square Place, Suffolk
$589,990
5 Beds ⋅ 3.1 Baths ⋅ 10637875 MLS
Ready to close December 2026! The Davidson is a two-story, five-bedroom, three-bath home with a formal living room, formal dining room, spacious family room, kitchen with island and pantry, separate breakfast area, and first-floor guest suite with a full bath. The second floor features four bedrooms, including the primary bedroom with an attached, private primary bath, an additional full bath, a large laundry room, and a loft area.

104 Brassy Street, Suffolk
$390,000
3 Beds ⋅ 2.1 Baths ⋅ 10637774 MLS
Beautifully maintained 3-bedroom, 2.5-bath condo located in the desirable Linkside Cove community of Suffolk! This spacious home offers comfort and convenience with a 2-car garage, generous living areas, and scenic surroundings. Enjoy peaceful walking trails and picturesque views right outside your door. Perfectly situated just minutes from the interstate, shopping, restaurants, and entertainment, this home provides easy access while maintaining a serene neighborhood feel. Community amenities include a clubhouse, private dock, playgrounds, pool, and tennis courts — offering something for everyone to enjoy.

1005 Bay Breeze Boulevard, Suffolk
$439,000
3 Beds ⋅ 2.1 Baths ⋅ 10637575 MLS
Enjoy low-maintenance living with sweeping golf course views in The Riverfront! A private courtyard entry welcomes you into this beautifully designed home featuring vaulted ceilings, expansive windows, and a dramatic living room with fireplace overlooking the golf course. Outdoor living shines with a spacious deck, screened porch, and patio, perfect for relaxing or entertaining. The primary suite retreat offers a sitting area, fireplace, two closets, and an updated en-suite bath w/double vanity, walk-in shower & jetted tub. Two additional bedrooms and a spacious loft provide flexible space for a home office, media room, guests, or hobbies. Walk-in attic storage adds convenience. Recent updates include HVAC, water heater, and most appliances. Planned new roofs in 2026. Two-car garage & driveway parking add to this exceptional property.

1003 Bay Breeze Drive, Suffolk
$645,000
4 Beds ⋅ 3 Baths ⋅ 10637349 MLS
Welcome to 201 Cove Reach—your coastal retreat in the heart of Suffolk’s vibrant 55+ community! This like-new 4 bedroom, 3 bath home is full of charm and light, featuring an open floor plan, stylish finishes, and water views that will make every day feel like a getaway. Upstairs, the spacious flex room opens to a private balcony—perfect for sunset cocktails or morning coffee. The cheerful screened-in porch and private paver patio add even more space to unwind or entertain. You’ll love the community amenities and the unbeatable location just steps from Decoys Marina, the pool, and the restaurant. You can truly relax and enjoy the good life here whether you’re looking to downsize without compromise or crave a low-maintenance lifestyle with coastal flair, this home checks all the boxes!

201 Cove Reach, Suffolk
$449,999
4 Beds ⋅ 2.1 Baths ⋅ 10637283 MLS
Welcome to 123 Lakes Edge Dr., a beautifully maintained 4-bedroom, 2-bath waterfront home on Rountree South Pond with access to the Nansemond River. Enjoy stunning water views and abundant wildlife from your own backyard. The updated kitchen features modern appliances, stylish finishes, and plenty of space for cooking and entertaining. Spacious bedrooms and updated bathrooms provide comfort throughout. Energy-efficient solar panels help reduce utility costs while supporting a sustainable lifestyle. Relax on the patio, watch herons by the water, or launch a kayak for a peaceful paddle on the pond. Nestled in a quiet Suffolk neighborhood, this home offers tranquility while remaining convenient to shopping, dining, and major highways. Don't miss this rare waterfront opportunity—schedule your private showing today!

123 Lakes Edge Drive, Suffolk
$624,900
4 Beds ⋅ 3 Baths ⋅ 10637160 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, ideal 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, Suffolk
$437,280
4 Beds ⋅ 2 Baths ⋅ 10636915 MLS
Home is complete! This brand-new ranch-style home is thoughtfully designed for easy living and is located in a quiet neighborhood featuring trails and a community playground. Inside, you'll find an open concept layout with 4 bedrooms and a kitchen that's both beautiful and functional, complete with 42" ellis gray cabinets and fantasy brown granite countertops perfect for everyday cooking and entertaining alike. The primary suite offers a private bath with ceramic tile flooring and direct access to a screened in back porch. Another bedroom also opens to the porch, providing a flexible setup ideal for guests or multi-generational living.

2015 Carroll Brinkley Way, Suffolk
$490,000
5 Beds ⋅ 3.1 Baths ⋅ 10636753 MLS
Stunning Waterfront Home in the Gables at the Riverfront! This Spacious 5 Bedroom, 3.5 Bath, 3100sq ft home Offers An Open Floor Plan, Beautiful View Of Eagle Lake, SW Exposure For Sunroom, and Primary Suite Seating Area, 3rd Floor Additional Suite W/Full Bath & Custom-Built Wall Library Cabinet. 3 Zone Heating & Cooling, Built In Gladiator Gear Wall Storage and Workbench In Garage Will Convey, Extended Sunroom & Sitting RM. This home features a fenced in backyard, as well as access to over 5 neighborhood parks (with multiple kayak launching spots), scenic walking/ biking trail (just steps from your backyard), community golf course, and 2 community pools! New Roof June 2025! EV charger, and generator hookups. HOA is responsible for all exterior maintenance and landscaping (except for fenced area)!!!! Northern Shores Elementary rated 7/10 (great schools), Col Fred Cherry Middle 8/10. Nansemond River High (B niche)

212 Stowe Drive, Suffolk
$655,000
4 Beds ⋅ 2.1 Baths ⋅ 10636536 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, Suffolk
$399,900
3 Beds ⋅ 2.1 Baths ⋅ 10636190 MLS
Located in the sought-after Riverfront community of Harbour View, this well-maintained condo overlooks the 16th fairway and offers resort-style living with easy access to golf, dining, shopping, & major routes. The main living level features an open layout w/ spacious living & dining areas, cathedral ceilings, gas fireplace, & a bright kitchen ideal for everyday living & entertaining. The primary suite includes a renovated bathroom w/ sliding barn door, dual sinks, & generous closet space, while flex spaces offer room for a loft, office, or guests. Enjoy peaceful golf course views from the screened porch, balcony, deck, & large paver patio w/ custom landscaping and irrigation. Additional highlights include plantation shutters, surround sound, updated lighting/fixtures, newer ceiling fans, attached 2-car garage, & maintenance-free living in a desirable Suffolk community. Incentives may be available through preferred partners. Contact listing agent for details and eligibility.

1059 Bay Breeze Drive, Suffolk
$300,000
3 Beds ⋅ 2.1 Baths ⋅ 10635995 MLS
Stop the car!! Look at this well-kept townhome-style condo in sought-after Kensington Park. Step into a welcoming two-story foyer that leads to a spacious dining area, and a stylish kitchen with modern cabinetry, and luxury vinyl flooring. The kitchen opens to a large living room, for entertaining. Upstairs, the primary suite features vaulted ceilings, a walk-in closet, jet tub and a double-sink bathroom. Two additional bedrooms, with a loft, a hallway bath, and a laundry room. Enjoy a private fenced backyard with patio and a one-car attached garage, plus guest parking nearby. Conveniently located near the interstate, hospital, shopping, and dining.

274 Craftsman Circle, Suffolk
$547,000
3 Beds ⋅ 2.1 Baths ⋅ 10635632 MLS
READY TO MOVE IN! This beautiful new construction end-unit home offers an inviting and light-filled layout, perfect for modern living. Located in the sought after Harbourview area and built by a respected local builder. Enjoy the charm of a separate dining room ideal for entertaining or everyday meals and an additional versatile space that can be used as a sunroom, reading nook, or cozy lounge. Large windows throughout flood the home with lots of natural sunlight, 55+ community offering a lifestyle you have earned. Model open daily 12-5pm at 1103 Elaina Place, Suffolk, VA. Ask us about our builder offerings.

2071 Asher Drive, Suffolk
$649,000
4 Beds ⋅ 4 Baths ⋅ 10635105 MLS
Welcome to this beautiful home in desirable Harbour Breeze Estates, tucked away on a quiet cul-de-sac with quick access to I-664 for convenient commuting to Joint Base Langley-Eustis, Naval Station Norfolk, Coast Guard Base Portsmouth, and other Hampton Roads military installations. Designed for comfortable living and entertaining, this spacious home features a welcoming foyer, formal dining room, private office, and a large family room with a gas fireplace. The eat-in kitchen offers granite countertops, tiled backsplash, stainless steel appliances, pantry, and generous gathering space. With 4 bedrooms and 4 full bathrooms, there's room for family, guests, or a home office. Relax in the spacious primary suite with a sitting area, two closets, and ensuite bath. Enjoy the fenced backyard with deck, oversized two-car garage, and move-in-ready convenience for your next PCS or forever home.

3005 Jib Court, Suffolk
$581,783
4 Beds ⋅ 2.1 Baths ⋅ 10635074 MLS
Enjoy low-maintenance living and an active lifestyle in this new construction home located in a welcoming 55+ community in the Harbour View area of Suffolk. Designed for connection and comfort, this open-concept home features primary bedroom on the first floor. Loft, 3 bedrooms and bathroom to accommodate guests or family on the 2nd floor. Sought after Shenandoah floor plan with tons of upgrades. Built by a well-established local builder, this community is ideal for those seeking social opportunities, neighborly gatherings, and easy living. Visit the model home daily from 12-5 and ask about current builder incentives. We also have other models with varying completion timelines.

2065 Asher (Lot 8) Drive, Suffolk
$649,900
5 Beds ⋅ 3.1 Baths ⋅ 10634775 MLS
This stunning 5 BR 3 ½ bath solid brick Georgian Revival home with over 4300 sq. ft nestled on ½ acre wooded lot is a once in a lifetime purchase opportunity! Meticulously maintained by owner, this historic home has many extras including HW floors, intricate trim work, 5 F/P’s (3 function), elevator to all 3 floors, screened porch, det/gar, inground saltwater pool, sprinkler system, shallow well, and more! Third floor contains approximately 900 sq. ft and would be a perfect game room or "man cave"! Huge downstairs primary bedroom with F/P. Located just 5 minutes from Rt 58 Bypass with easy access to all of Hampton Roads, this property is a must see for interested Buyers!!

109 Bosley Avenue, Suffolk
$780,000
5 Beds ⋅ 3.1 Baths ⋅ 10634383 MLS
CKC/Christopher Kait Construction presents the Juliette in sought after Cedar Point. Absolutely gorgeous & spacious home boasting fine designer features throughout. This home is under construction now. Hurry to customize to your unique style. Enjoy your convenient 1st floor primary bedroom; premier kitchen; entertainment loft, and golf course views. 4-bedrooms & 2-full bathrooms upstairs. This is CKC's final lot near the front of Cedar Point. Also, ask about remaining lots in The Reserve At Cedar Point.

8904 River Crescent, Suffolk
$434,900
3 Beds ⋅ 2.1 Baths ⋅ 10633927 MLS
You know that feeling when life quietly gets easier, you almost stop noticing it? That’s Harbour View. Morning coffee, groceries, the gym, dinner reservations, golf, movie night, medical appointments, & waterfront walks—It’s all right here at 5307 Sports Club Run #200, just steps from the Riverfront Swim & Golf Club. No endless exterior upkeep. No weekends consumed by yardwork. Just walk out the door & go. Beautifully maintained & lightly lived in since new, The Fairway Model offers efficient, low-maintenance ownership with bright, open, comfortable spaces, thoughtful upgrades, & the clean, neutral feel of a home that has seen remarkably little wear over time. The association adds tremendous value with grounds care, exterior maintenance, master insurance, water, sewer, & trash, while residents enjoy the pools, tennis, pickleball, trails, piers, & more. Come discover why Harbour View has quietly become one of Hampton Roads’ best examples of modern convenience & lifestyle living.

5307 Sports Club Run Unit 200, Suffolk
$340,960
3 Beds ⋅ 2.1 Baths ⋅ 10633111 MLS
30-60 Day Closing Available! Ask about the $15,000 "Use As You Choose" incentive when using the builder's preferred hometown lenders, 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 beautiful 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.

1011 Robinson Road Unit 5B, Suffolk
$429,900
4 Beds ⋅ 2 Baths ⋅ 10632932 MLS
Must-See, Beautifully Maintained 4-Bedroom Ranch Home! Enjoy peaceful backyard views of a pond and protected wooded greenspace from this spacious ranch-style home, located in a welcoming, family-friendly community. The home features a large fenced backyard, an expansive screened-in porch, hardwood flooring, and a beautifully appointed kitchen with granite countertops. The flexible floor plan includes three spacious bedrooms and a fourth bedroom currently used as a home office. The office features custom Closet Factory cabinetry and can easily be converted back into a bedroom. The washer, dryer, refrigerator, living room flat-screen television, and soundbar will convey with the home. Conveniently located approximately one mile from schools, the fire station, shopping, and other everyday necessities. Community amenities include: Three swimming pools Clubhouse Event gazebos Walking trails Playgrounds The home’s green-energy solar panel system will be paid in full at closing, offering the new owner valuable long-term savings. The current average electric bill is approximately $24 per month. This move-in-ready home offers comfort, flexibility, beautiful views, and outstanding community amenities. Schedule your showing today!

5042 Kings Grant Circle, Suffolk
$350,000
3 Beds ⋅ 3.1 Baths ⋅ 10632387 MLS
Welcome HOME -- This charming three-story townhouse is nestled in a beautiful, family-friendly neighborhood with no condo fees. Enjoy stunning views of the Nansemond River from your home, creating a peaceful setting. The kitchen features granite countertops and modern stainless steel appliances, great for both everyday meals and entertaining guests. Centrally located, you’ll have convenient access to shopping, dining, and major interstates, making it easy to get around and enjoy everything the area has to offer.

1615 River Creek Drive, Suffolk
$598,900
6 Beds ⋅ 4 Baths ⋅ 10632005 MLS
Nature lovers retreat in Nansemond River Estates. All brick home w/6 BRs 4 full BTHs, +3 en-suites. 1st floor BR and full BTH. Eat-in kitchen open to large family room. Tray ceilings in formal dining, a bedroom up+Primary BR. All BRs are very large. Massive primary BR, closet, + BTH. PBTH w/dual vanities, dressing table, jetted tub, separate shower. Tons of storage. 2 Brand new HVACs+crawl termite/moisture inspection passed along w/new vapor barrier. Oversized double car garage w/driveway space for 6 cars. Large TimberTech deck w/lighting, 2 natural gas hookup for grill, LRG stamped patio, 220V power for future needs IE: hot tub. White vinyl privacy fence w/double gates. Fruit trees on property. Community has a kayak launch, pavilion picnic tables, playground+nature trails. 6min to Sleepy Hole Golf Course, Suffolk community park w/fishing pier+High School.

3351 Oyster Creek Drive, Suffolk
$1,049,900
5 Beds ⋅ 3.2 Baths ⋅ 10630669 MLS
This waterfront home offers luxury living along the Nansemond River. Situated on a large lot with deep, tidal water access and a private dock already in place, this property is ideal for boating, kayaking, fishing, and taking in breathtaking sunset views. The backyard offers endless possibilities for outdoor living and future enjoyment. Inside, the home captures the beauty of its waterfront setting with natural light pouring in and river views showcased across the rear elevation. A formal entry welcomes you as this home is designed for both elegant entertaining and everyday comfort, large closets, and storage throughout. Upstairs, the expansive primary suite is a true retreat with elevated views of the Nansemond River, a private second-level balcony. Located near shopping, dining, medical, parks, a public golf course, boat ramp, and neighborhood tennis/pickleball courts, this home offers an exceptional North Suffolk lifestyle in one of the area’s most charming waterfront communities.

118 Sleepy Point Way, Suffolk
$465,000
5 Beds ⋅ 3 Baths ⋅ 10631249 MLS
Beautifully updated home in sought-after Kings Fork Village! Freshly painted throughout, this move-in ready property features a bright, open-concept layout for modern living. The spacious kitchen offers stainless steel appliances, and flows seamlessly into the main living area for entertaining.A versatile first-floor room provides the perfect space for a home office, guest room, or additional bedroom. Conveniently located just minutes from Sentara Obici Hospital, schools, downtown Suffolk. Great shopping and dining near by.

134 Blessing Cir, Suffolk
$1,799,000
5 Beds ⋅ 4.1 Baths ⋅ 10630678 MLS
Multi-generational living alongside deepwater access on Bennetts Creek, awaits your buyers! Head outside into a private backyard retreat built for both relaxation and unforgettable entertaining. The custom 48-foot “lazy L” saltwater pool is the centerpiece, complete with a diving board and elegant water shooters that bring movement and energy to the space. Surrounded by premium travertine decking, the entire outdoor area feels elevated, clean, and built to last, staying cool to the touch while delivering a high-end finish throughout. The 16x16 pergola-covered entertainment area creates a natural gathering space, perfectly paired with a fully equipped outdoor kitchen featuring a built-in grill and bar seating. Whether you're hosting game day, a summer cookout, or a quiet evening with family, this space is designed to bring people together effortlessly. This backyard isn’t just an upgrade, it’s a complete outdoor living experience that turns everyday life into a resort-style escape.

200 Ashby Court, 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.