Arcelia Wicker Jr CFP®, ChFC®, RSSA®
Fee-Only Financial Planner
Bay Capital Advisors, LLC
582 Lynnhaven Pkwy Ste 302
Virginia Beach, VA 23452, US
Affiliations
Professional Details
I am a fee-only financial advisor at Bay Capital Advisors, LLC, located in Virginia Beach, Virginia. I served in the United States Navy for 25 years as a healthcare leader and administrator. My Naval career encompassed an array of health care roles, including financial management, health benefits planning, global health project planning, and partnering with medical professionals around the globe.
I earned a Bachelor of Science from Hampton University and a Master’s from Old Dominion University. I earned both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and the CHARTERED FINANCIAL CONSULTANT (ChFC®) designations. I am also a Registered Social Security Analyst (RSSA®) through the National Association of Registered Social Security Analysts. I have facilitated numerous financial literacy classes in local communities, and am fulfilled by guiding families through their personal financial journey. I am a member of the National Association of Personal Financial Advisors (NAPFA).
Areas of Expertise
- CFP
- Financial Professional
- Investment Advisor
- Retirement Specialist
- Wealth Manager
Real Stories from Real People
Most People Leave Money on the Table
96% Don't Optimize
Very few people get all the Social Security they’re entitled to.
$111,000 Average Lost
The average household is losing $111,000 in potential income.
1 Chance To Claim
Social Security gives you one chance to get it right – forever.
Maximize Your Benefits
Discover important information for your situation.
Married
If you are married, you may be able to collect up to one-half of your spouse’s Social Security benefit. This won’t affect your spouse’s checks. Ask an RSSA® for details.
Divorced
If you are divorced and 62 or older, you may qualify to receive Social Security benefits from your ex-spouse — in addition to your own Social Security payments. Ask an RSSA® for details.
Widowed
If your spouse has passed away, you may be eligible for a survivor benefit. The extra money may be essential for you. Ask an RSSA® for details.
Single
If you are single, and solely responsible for your retirement, making the optimal Social Security claiming decision is particularly important. Ask an RSSA® about your options.
Self-Employed
As a self-employed person, you may be able to decrease your payroll taxes — yet still receive the maximum income from Social Security. Ask an RSSA® for details.
Disability
Social Security can provide valuable disability benefits if you qualify, but these benefits — and how you qualify for them — are often misunderstood. Ask an RSSA® for details.
Immigrant
If you are a lawful permanent resident, but not yet a citizen, you may still qualify for Social Security benefits. Ask an RSSA® for details.
