About Us

Christopher Fines

CFP®, RICP®
Phone: (540) 604-5690
Fax: (540) 604-5697

Christopher G. Fines, CFP®, RICP® is a Partner and CERTIFIED FINANCIAL PLANNER™ professional with Community Financial Group and has over 15 years of experience in the financial services industry.

Chris joined AXA Advisors, LLC as a Financial Professional in 2003 and is responsible for helping our clients create, implement, and manage their financial strategies to help them reach their goals. His areas of concentration include retirement planning, investment management, and insurance planning.

He has been distinguished in the financial services industry by attaining the CERTIFIED FINANCIAL PLANNER™ professional designation. The designation comes with extensive training in financial planning, estate planning, insurance, investments, employee benefits and retirement planning, as well as in CFP Board’s Standards of Professional Conduct, which are rigorously enforced. He has also achieved the Retirement Income Certified Professional® designation from the American College. The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income. From retirement portfolio techniques and mitigation of plan risks to the proper use of annuities, employer-sponsored benefits and determining the best Social Security claiming age.

Chris is a member of the Financial Planning Association (FPA) which helps him keep up to date on the latest research and ideas in the financial planning industry.  Before joining AXA Advisors, LLC in 2003, Chris spent four years at Union Bank & Trust and its parent company, Union Bankshares (now Union Bank). During this time he worked in various areas of the bank’s financial services, including commercial loan credit analysis and marketing.

Chris graduated from Mary Washington College in 1999 with a degree in Business Administration.  He lives in Spotsylvania County with his wife, Regina, and their four children Jillian, Amelia, Oliver, and Hattie.  His community activities include membership in the Rappahannock Rotary Club, Spotsylvania Educational Foundation Board, and the University of Mary Washington’s College of Business Advisory Board.  When he is not working or spending time with his family he enjoys exercising, golf, reading, and playing guitar.

CFP® and CERTIFIED FINANCIAL PLANNER™ professional are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements. Community Financial Group is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network.

RICP The RICP® (Retirement Income Certified Professional®) designation is sought by financial services sales professionals whose focus includes clients planning for their retirement income. The designation’s required curriculum is administered by The American College in Bryn Mawr, PA, which is accredited by The Middle States Commission on Higher Education, Philadelphia, PA 19104. The mark RICP® is the property of The American College and may be used only by individuals who have successfully completed the initial and ongoing certification requirements for this designation. Complaints about a designee can be made by e-mail at Registrar@TheAmericanCollege.edu. or by calling 888-263-7265. To verify a designee, visit http://www.designationcheck.com.

California Insurance License #: 0H30647

Arkansas Insurance License #: 7644804

Securities offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

Fredericksburg Office <br> 107 Amelia St. Fredericksburg, VA 22401 <br> 540-604-5690 <br> allana.moore@axa-advisors.com <br> <br> Richmond Office <br> 7231 Forest Ave. Suite 300 Richmond, VA 23226 <br> 804-288-1100 <br> rachael.glass@axa-advisors.com <br> <br> Roanoke Office <br> 917 E. Washington Ave. Vinton VA, 24179 <br> 540-342-7890 <br> kori.falcon@axa-advisors.com is not owned or operated by AXA Advisors, LLC or its affiliates.

California Insurance License #: 0H30647 (Fines)

Arkansas Insurance License #: 7644804 (Fines)/8793447 (Hayes)

The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and AXA Advisors' affiliate, AXA Equitable Life Insurance Company (NY, NY), coursework for the certificate was developed exclusively for AXA Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact AXA Equitable atretirement@axa-equitable.com. Complaints about an AXA Advisors FP should be directed to customer.relations@axa-equitable.com.

The RICP® (Retirement Income Certified Professional®) designation is sought by financial services sales professionals whose focus includes clients planning for their retirement income. The designation's required curriculum is administered by The American College in Bryn Mawr, PA, which is accredited by The Middle States Commission on Higher Education, Philadelphia, PA 19104. The mark RICP® is the property of The American College and may be used only by individuals who have successfully completed the initial and ongoing certification requirements for this designation. Complaints about a designee can be made by e-mail at Registrar@TheAmericanCollege.edu. or by calling 888-263-7265. To verify a designee, visit http://www.designationcheck.com.

Securities offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

Community Financial Group is not owned or operated by AXA Advisors or AXA Network.

AXA Equitable Holdings, Inc. is a publicly traded corporation, and it and its subsidiaries are currently using trademarks including the "AXA" name, AXA logo and associated trademarks of AXA SA under license.

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