Arcelia Wicker, Jr. Fee-Only Financial Advisor

Arcelia Wicker, Jr. Fee-Only Financial Advisor Arcelia Wicker, Jr. is a fee-only financial advisor at Bay Capital Advisors, LLC, located in Virginia Beach, Virginia.

Whether you’re a millennial dreaming of your first home, a Gen Xer planning for your kids’ education, or a pre-retiree ready to embrace the next chapter, I’m here to craft a personalized financial plan just for you. He served in the United States Navy for 25 years as a healthcare leader and administrator. His Naval career encompassed an array of health care roles, including financial management, h

ealth benefits planning, global health project planning, and partnering with medical professionals around the globe. Arcelia earned a Bachelor of Science from Hampton University and a Master's from Old Dominion University. He earned both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and the Chartered Financial Consultant (ChFC®) designations. He is also a Registered Social Security Analyst (RSSA®) through the National Association of Registered Social Security Analysts. Arcelia has facilitated numerous financial literacy classes in local communities, and he is fulfilled by guiding families through their personal financial journey. He is a member of the National Association of Personal Financial Advisors (NAPFA).

07/11/2026

Real talk: we're halfway through 2026. 📅
How are your financial goals actually going?

I'm not asking about the ones you told your spouse or posted on New Year's. I mean the ones you quietly set for yourself:
✅ "I'm finally going to talk to a financial planner this year."
✅ "I'm going to figure out if I'm actually on track to retire."
✅ "I'm going to stop putting this off."

If you haven't gotten there yet, no judgment. Life happens. But I do want to gently ask: What's stopping you?

For a lot of people, it's fear. Fear that the answer might not be good. Fear of uncovering something they can't fix. Fear of being told they should have started sooner.
But here's what I know after working with pre-retirees, federal employees, and military families: The truth is almost always less scary than the worry. And once you see your real financial picture, all of it, you can actually do something about it.

The second half of the year is yours. 💪

If you've been meaning to connect with a fee-only financial planner and investment manager who's actually on YOUR side with no products, no commissions, just honest guidance. I'm here.

Drop a comment or send me a message. Let's make the second half count.

07/08/2026

Which "boring" business tops the charts?

07/04/2026

Here's something that simplifies all of personal finance:
There are only 4 things you can do with money. 💸
1️⃣ Spend it
2️⃣ Save it
3️⃣ Invest it
4️⃣ Give it

Every dollar you have is doing one of those four things right now. The real question is whether it's doing it on PURPOSE.

If you're in your 50s and thinking about retirement, this is the season to get really honest with yourself:
✅ Is your spending aligned with the life you actually want?
✅ Are you saving enough to bridge the gap before Social Security kicks in?
✅ Is your investment strategy still right for where you are NOW, not where you were at 35?
✅ Have you built generosity into your financial plan?

I work with people just like you, pre-retirees, federal employees, military families. As a fee-only financial planner and investment manager. No products. No commissions. Just a plan built entirely around YOUR goals.
If you've been meaning to get a clearer picture of where you stand, let's talk. The conversation is easier than you think. 😊

Which of the four, spend, save, invest, give, do you feel least confident about? Tell me below! 👇

07/01/2026

Can I ask you something personal? 👇

If someone asked you RIGHT NOW "Are you on track to retire?" Could you answer with confidence?

If you hesitated even a little, you're not alone. So many people in their 50s are working hard, saving what they can, and quietly hoping it all adds up. But hoping isn't a plan.
Maybe you're a federal employee trying to figure out when your FERS pension kicks in and whether your TSP will stretch far enough. Maybe you're separating from the military and suddenly navigating a whole new financial world. Or maybe you've just hit your mid-50s and realized retirement isn't as far away as it used to feel.

Here's the thing nobody tells you: The decisions you make in the 5–10 years BEFORE retirement have a bigger impact than almost anything you did in your 30s. When you claim Social Security, how you draw down your accounts, whether you do Roth conversions now…

These choices can mean tens of thousands of dollars over your lifetime.

You deserve someone in your corner who isn't trying to sell you anything. As a fee-only financial planner, I don't earn commissions. Ever. I work for you, full stop.

If you've been putting off getting a real plan because you're nervous about what you might find out... I promise the conversation is a lot less scary than the uncertainty. 💙

Feel free to send me a message or drop a comment below. I'm happy to answer questions, no strings attached.

06/17/2026

Adding a child to the deed? Read this.

06/10/2026

It's a system that needs to connect.

06/02/2026

A forgotten form can override your will.

05/26/2026

See what a century of investing history shows.

05/21/2026

History shows why comfort can come at a cost.

Address

582 Lynnhaven Parkway Suite 302
Virginia Beach, VA
23452

Telephone

(843)2714730

Website

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