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Carlos Celaya, CFP®

Our mission is to give clients financial peace of mind

Celaya Wealth Management

Coral Gables


Contact Me



Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Celaya Wealth Management 5 years, 8 months Jun 2014 - Present
Ingham Retirement Group 4 years, 7 months Jan 2010 - Aug 2014

Designations & Memberships

Membership information not available

Articles and Answers

Insights by Carlos Celaya

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Ask a financial questionAsk a question
How can I access partial funds from my 401k plan?
Hi John,Partial distributions are typically not allowed from 401k plans after separation of service (all or none approach). Regardless distributions from 401k plans are typically accompanied by a distribution fee.Rollover your funds over to an IRA (non-taxable event) and from there just withdraw t...  (more)
Answered Jun 2015
Sis died in march. She had a 401k at aa. I provided all info asked for by the plan they will not tell me yes or no?
Hi Robert,Sorry about your loss. Contact the record keeper of the 401k plan and show proof (death certificate), if she never filled out a beneficiary form then there would be an automatic beneficiary in the following order: 1-spouse, 2-Kids , 3-parents, 4-estate.Best of luck!Carlos...  (more)
Answered Jun 2015
Im a former employee from PLS finanical and im try borrow money from my 401k how do i do that?
Sherese,I agree with both of the answers above. I would just add that if you are currently unemployed or your new employer does not offer a 401k and you have an emergency need for cash please don't cash out your entire balance as that will trigger a 10% early withdrawal penalty if under 59 1/2 + ta...  (more)
Answered Jun 2015
How do i search for my current 401K loan?
Hi Ruben,Try the 401k record keeper as they should be able to give you all the details you need.Best of luck!Carlos...  (more)
Answered Jun 2015
Am I paying my 401k financial advisor too much?
Those are all excellent answers but Sheila is referring to a Pooled 401k account and not a participant direct 401k account. In other words, the participants only decide how much to contribute to the plan, not the investment mix. The investment advisor in question manages the combined money of all th...  (more)
Answered Sep 2016
Contact Information Change?
Desiree, you can go to the 401k website and from within there change your contact and don't forget to include your personal email to get updates. You can also call the plan recordkeeper or HR.I echo the sentiment of the other advisors, it is already difficult for most people to manage a single 401k...  (more)
Answered Jun 2015
I have a 401k thru toro/wheelhorse. Please inform as to when and how I can access this account for retirement.
Hi, the when is at retirement. For the majority of 401k plans that is when you reach 59 1/2 as you are exempt from the 10% penalty but still subject to taxes at your tax bracket but ideally you want to wait until you reach your real retirement, that is when you stop working altogether or you have re...  (more)
Answered Jun 2015
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    U.S. Securities and Exchange Commission
    • license status
    • disclosures
    • as of date
      Dec 2, 2019
    • license status
      Not registered
    • disclosures
    • as of date
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


    Celaya Wealth Management

    Last updated on May 7, 2019
      • $9.5M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 34
      • $280.0K
        Estimated Average Account Balance


    Types of Compensation Arrangements