Wilson Financial Advisors

Wilson Financial Advisors A full service financial firm committed to helping people pursue their financial goals. We specialize in retirement planning.

We have access to a wide range of financial products and services to individuals and business owners. Whether you have questions or concerns regarding social security, 401k rollovers, pension maximization, investment advice, Medicare, long term care or estate planning; we are here to help! Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINR

A/SIPC. www.finra.org, www.sipc.org
Third party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.wfa-nc.com

The Roth IRA five year rule is one of the most misunderstood rules in retirement planning.The problem is, there isn't ju...
07/08/2026

The Roth IRA five year rule is one of the most misunderstood rules in retirement planning.

The problem is, there isn't just one five year rule.

There are actually two, and they apply to completely different situations.

One determines when your Roth IRA earnings can be withdrawn tax free.

The other applies to Roth conversions and helps determine whether a ten percent early withdrawal penalty could apply if you're under age fifty nine and a half.

Confusing these two rules can lead to unnecessary taxes, penalties, or simply making decisions based on bad information.

That's why I put together this one page guide. My goal is to simplify a topic that often gets overcomplicated.

Take a look at the chart, save it for future reference, and let me know in the comments if there's another retirement topic you'd like me to break down.

06/23/2026

One of the first things I look at when helping someone evaluate a pension is the implied withdrawal rate.

In simple terms, how much annual income is the pension offering compared to the lump sum value?

For example, if your pension offers $40,000 per year and the lump sum is $1,000,000, that's a 4% payout rate.

Now compare that to a pension offering $60,000 per year on a $500,000 lump sum. That's a 12% payout rate.

Those are two very different conversations.

A lower payout rate may make the lump sum more attractive because it offers greater flexibility and control.

A higher payout rate may make the monthly pension difficult to pass up because it could be challenging to safely generate that level of income elsewhere.

Of course, that's not the only factor. Your health, spouse, other assets, taxes, and retirement goals all matter.

But understanding the implied withdrawal rate is often a great place to start.

Sometimes the decision is a lot closer than people think.

And sometimes the numbers make the choice much easier.

The plan comes first.

06/12/2026

Thinking about retiring at 55?

Before you roll your 401(k) into an IRA, watch this.

One simple mistake could cost you access to penalty-free withdrawals before age 59½.

In this clip, I explain the Rule of 55 and why keeping your 401(k) where it is may be one of the smartest moves you make during retirement.

The plan comes first.

06/09/2026

When you leave a job or retire, you generally have four options for your 401(k):

• Cash it out
• Leave it where it is
• Move it to a new employer plan
• Roll it to an IRA

In this clip, I explain why cashing out is often the most expensive option.

Before making a move, understand the tax consequences and how the decision fits into your overall financial plan.

The investments matter, but the plan comes first.

05/13/2026

Sometimes the biggest value we provide as advisors has nothing to do with investment performance.

A client recently came in wanting to roll over his 401(k) into an IRA.

Simple enough, until we looked under the hood.

Nearly 90% of the account was company stock.

That changed the conversation completely.

Instead of automatically rolling everything into an IRA, we discussed a strategy called NUA, Net Unrealized Appreciation.

He had never heard of it.

Depending on the cost basis of company stock inside a retirement plan, NUA can potentially create significant tax savings by changing how the gains are ultimately taxed.

But the thing is, NUA planning takes work.

You have to research the stock basis.
Coordinate the distribution correctly.
Estimate the tax impact.
Set up both brokerage and IRA accounts properly.
And understand the long-term tradeoffs.
Have a plan for unwinding a highly concentrated stock

look it would have been much easier to simply roll the entire account into an IRA and move on.

But easier is not always better planning.

This is where financial planning goes beyond investments.

Because sometimes the opportunity is not just a return on investing.

It’s what you avoid losing in taxes.

That’s why the plan comes first.
-That Financial Guy

Yes, financial planning is about retirement, taxes, investments, estate planning, and all the moving pieces that come wi...
05/10/2026

Yes, financial planning is about retirement, taxes, investments, estate planning, and all the moving pieces that come with building a financial life.

But at the end of the day, it is really about people.

Relationships. Families. Conversations. Watching clients move from uncertainty to confidence over the years.

Sometimes the best meetings do not happen across a conference table.

They happen over baseball, hot dogs, laughter, and spending time together outside the office.

To everyone who came out Friday night, thank you. We truly appreciate the trust you place in us.

And to the Greensboro Grasshoppers for always being such incredible hosts… thank you for another great evening.

The plan comes first.
But people always come before the plan.

04/28/2026

There’s a difference between money success and life success...

Money success is easy to measure.
It’s the account balance.
The rate of return.
The income.
The net worth number that keeps going up and to the right.

It’s what most people spend their entire financial life chasing.

And to be clear, it matters.

But life success?
That’s a completely different scoreboard.

Life success is waking up and not feeling pressure to be somewhere you don’t want to be.
It’s knowing your time is your own.
It’s having the flexibility to say yes when it matters AND no when it doesn’t.
It’s being present with your family without your mind drifting back to money, markets, or “what if.”

Look, I've done this for a long time and I’ve seen a lot of people achieve money success.

On paper, they’ve done everything right.
They saved.
They invested.
They built real wealth.

But they never stopped to ask the question:
“What is all of this actually for?”

So the money grew, great!
but the life never caught up.

They’re still working longer than they need to.
Still worried about spending.
Still unsure if they’re actually “okay.”

And that’s the disconnect.

Because money success without life success often leads to a strange place, where you look around and think:

“I should feel better than this.”

That’s not a money problem.
That’s a planning problem.

Because a real financial plan isn’t just about growing assets.

It’s about connecting those assets to a life.

When the plan is clear, something shifts.

You stop measuring success by how much you have and start measuring it by what your money allows you to do.

That’s where confidence comes from.

That’s where clarity comes from.

And that’s when money finally starts working the way it’s supposed to.

Address

2709-C Pinedale Road
Greensboro, NC
27408

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

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