Wela Financial Advisory

10/28/2026

What it could cost to wait until you're 40 to invest.

Start investing $1,000 a month at 40 and you could have about $810,000 by 65.

Start at 35 and it is about $1.2 million. That is $410,000 more for only $60,000 in additional contributions.

In an average year, the market falls about 14% from peak to low, so the right time to invest is as soon as possible.

And if your employer matches 50% of what you put in, up to a limit, that is a potential 50% gain before the market even moves.

Nobody wishes they'd started investing later. Do your future self a favor, and let's talk at welafa.com.



Hypothetical example for illustration only. Assumes $1,000 invested monthly to age 65, a 7% annual return compounded monthly, no taxes or fees. Not a guarantee. Investing involves risk, including loss of principal. 14% figure: J.P. Morgan Asset Management, Guide to the Markets, S&P price index, 1980 to 2023, excludes dividends. Match terms vary by plan.

Wela Financial Advisory is an SEC-registered investment adviser.

10/07/2026

You don't need six figures in the bank to get a real financial plan. Wela's Financial Planning Membership starts at $100/month.

See if it fits → welafa.com

Wela Financial Advisory is an SEC-registered investment adviser.

10/06/2026

When's the last time someone actually reviewed your whole financial picture? Let's Talk → welafa.com

Wela Financial Advisory is an SEC-registered investment adviser.

10/06/2026

If you just want a plan you can run with yourself, the One-Time Financial Plan gets you a full, personalized breakdown: one sit-down, specific recommendations, actionable to-dos, no retainer. $2,700, one time.

Let's Talk → welafa.com

Wela Financial Advisory is an SEC-registered investment adviser.

10/05/2026

Medicare open enrollment runs October 15 to December 7, and changes you make take effect January 1.

Before you decide, check your prescriptions, your doctors and pharmacies, and your yearly costs. Healthcare is part of your retirement budget, so a yearly review belongs in your plan.

Official details and plan comparisons: Medicare.gov or 1-800-MEDICARE (1-800-633-4227).

Have questions about your retirement? Let's Talk → welafa.com

This information is not intended as tax or legal advice; consult a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Wela Financial Advisory is an SEC-registered investment adviser.

08/14/2026

AI now helps criminals fake voices, emails, and sites that look real. A brief pause before responding can prevent a costly mistake. Learn simple habits to protect your money and information.
https://zurl.co/8cToQ

Learn how to spot AI-powered phishing scams, protect your money and personal data, and verify suspicious emails, texts, calls, and links AI.

07/13/2026

Medicare Advantage plans often include dental, vision, and hearing coverage that original Medicare doesn't offer — but the costs, network rules, and prescription drug coverage vary widely from plan to plan, and can change year to year.

https://zurl.co/Vzqz4

Medicare Advantage (Part C) offers additional coverage beyond original Medicare — including dental, vision, hearing, and often prescription drugs. Here's what to know about how these plans work, what they cover, and what to watch for.

06/03/2026

The average college graduate owes $38,375 in student debt. This year-by-year guide covers what families should focus on from freshman year through FAFSA, so you can be prepared.

https://zurl.co/Scsnf

College preparation starts well before senior year. This year-by-year guide walks families through the key academic, extracurricular, and financial steps from freshman year through FAFSA — and what to focus on at each stage.

04/21/2026

Earning a high income but don't know where your money is going?

In our latest article, "Lifestyle Creep: How to Protect Your Wealth as Income Grows," we outline practical ways to manage your money as your income scales. Key takeaways include:
- How to identify signs that your spending is outpacing your goals
- The reality behind the aspirational lifestyles seen on social media
- Actionable steps to prioritize saving while maintaining a comfortable lifestyle

Building true wealth relies less on how much money you make and more on how much money you keep.

https://zurl.co/Ct95g

Is lifestyle creep hurting your financial plans? Learn how to spot the signs, control your spending, and build true wealth at any age.

04/07/2026

Tax preparation is reactive. Tax strategy is proactive. Understanding the difference could help you preserve and grow your wealth: https://zurl.co/lF4f0

A proactive tax strategy goes beyond once-a-year tax prep and focuses on year-round planning to help you keep more of your money and build long-term wealth. By making informed decisions about your income and investments throughout the year, you can identify savings and opportunities that simple tax....