The Five Keys to Your Future Dreams

Do you see a dream in your mind's eye for retirement and wonder how to make it REAL?

These five keys are the roadmap to making your dream a reality.

Let's get started!

October Effect, Ltd. is a Registered Investment Advisor firm, servicing the Tidewater, Virginia area since 2015 as a fiduciary.

Key One

What wakes you at night? Get your risk tolerance number in a 3-page report.

Key Two

If I stop working now, can I live my dream? Contact us to discuss your Risk Tolerance Report and discover your Risk Capacity Score.

Key Three

Will my current assets survive the next down-market? Check to receive your portfolio analysis report including risk score, diversification, and attribute details.

Key Four

Protection from these nightmares:

IRS, Down Markets, Bad Luck, Long Term Care, Death or Divorce

Key Five

The dream of finding a good advisor.  Is it too good to be true? Contact us to find out.

Meet Kevin James

With 25 years in the financial industry Kevin has held several management and analysis roles with some of the country’s top firms. After completing his MBA in Finance in 2008, Kevin made the transition from management to advisory business.


Kevin James is an Investment Advisor Representative with October Effect, LTD, and is responsible for the preparation and ongoing management of client financial plans, annual financial updates and investment portfolio reviews, recommendations, and implementation.  His expertise is in comprehensive financial planning, tax, cash flow, retirement planning, insurance and estate planning, portfolio analysis and investment policy development.


Kevin resides in Virginia Beach, Virginia with his wife Amy, and their daughter Marley.

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