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Retirement Planning

Vessels and Johnson Financial Services

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Vessels and Johnson Financial Services is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Safeguard your loved ones and your home with mortgage protection so they can afford to keep your family’s home.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Here For You

Meet The Team

Olga Johnson

Founder

David Burks

Operations Officer

Donna Burks

Senior Advisor

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in September–November 2025

  • There are no events scheduled during these dates.

Our Downloads

The Truth About Annuities

Having enough retirement income is a top concern for many Americans nearing retirement, perhaps even concerning for yourself. Although consistent contributions throughout the working years have occurred, many are concerned if their retirement plans will be successful. A successful retirement plan provides the ability to maintain your lifestyle for the duration of your life. The hallmarks of a successful retirement plan include

6 Real Financial Risks You Could Face

For many Americans, retirement is the largest expense that they will face in their lifetime, costing 2.5 times the price of an average home. It’s an expense that adults work and save for years to afford. As you enter retirement, you will
 

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

Financial Literacy Videos

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    44679 Endicott Drive,
    Suite 300,
    Ashburn, VA 20147

    (540) 751-8411

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          44679 Endicott Drive,
          Suite 300,
          Ashburn, VA 20147

          Phone: (540) 751-8411

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                            Rita Nelson

                            Office Manager

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                            Donna Burks

                            Financial Advisor

                            Donna Burks is a forward-focused Senior Advisor with Vessels
                            and Johnson Financial Services. With a lifelong commitment to
                            service and strategy, she brings decades of experience as a retired Army Reserve member, retired federal employee, and seasoned financial professional. Donna blends practical expertise with a creative edge, helping clients build secure, empowered futures with clarity and purpose.

                            Deeply rooted in her community, Donna serves as the Finance
                            Officer and Staff Judge Advocate of American Legion Post 26,
                            and co-chairs the Young Lives Capernaum Committee, supporting youth and friends with disabilities. Whether she’s advising, mapping a cross-country motorcycle trip, or assisting in her church’s outreach ministry, Donna approaches everything with vision, integrity, and heart. She’s not just planning for tomorrow — she’s shaping it today.

                            David Burks

                            Operations Officer

                            David Burks is the Operations Officer at Vessels and Johnson
                            Financial Services, bringing a dynamic blend of strategic
                            oversight, financial expertise, and operational precision to the
                            firm. With a career in the financial services industry since 2011,
                            David has built a reputation for reliability, analytical strength, and
                            a steady hand in both client relations and internal operations.
                            Outside the office, David is a proud Finance Officer for the
                            American Legion Riders Group, where he champions fiscal
                            accountability and community service. His leadership in this role
                            reflects his lifelong dedication to honor, legacy, and stewardship.
                            David is also a committee member for the Young Lives Capernaum Committee.

                            A true gearhead at heart, David is also a car and motorcycle enthusiast, known for restoring classic rides and hitting the open road. Whether navigating financial strategies or backroads on two wheels, David combines precision, passion, and purpose in everything he does.

                            Olga Johnson

                            Founder

                            A financial strategist and highly innovative, Olga Johnson is a seasoned financial services professional. CEO and founder of Vessels and Johnson Financial Services, Olga has worked under the tutelage of leading Financial Advisors in the U.S. before establishing her own firm.

                            Growing up in Washington, D.C., in her formative years, she had great opportunity for a varied background, to include an appreciation for the arts. Interestingly, her appreciation for the arts helped to prepare her in the professional arena as a top problem solver and creative solutions originator.

                            Olga’s experience in the financial/leadership arena includes previously serving as the Executive Director/CEO for three agencies in the Washington D.C. area, management positions in Budget and Finance throughout her career in local government, and a former auditor and accountant.

                            Always passionate about helping others, she educates and advises individuals and business owners on how to grow, protect, and leverage their assets, even during tough economic times. She is a Certified Financial Education Instructor and has been on television and in print media to include women’s journals, magazines and newsprints.

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