Kelby Gelston, Financial Advisor ,Statera Advisors, LLC

Kelby Gelston, Financial Advisor ,Statera Advisors, LLC Investment & retirement planning, retirement income planning, insurance planning and company benefits/retirement plans

I offer total financial needs analysis through a network of experienced professionals with expertise in:
• Advisory services
• Retirement analysis and programs
• Estate strategies
• Employee benefit and retention services
• Business continuation strategies


I am a registered representative of and offer securities, investment advisory and financial planning services through MML Investors Servic

es, LLC, Member SIPC (www.sipc.org). Supervisory office: 11350 McCormick Road, Executive Plaza IV, Suite 200, Hunt Valley, MD 21031 – (410) 785-7654. I am licensed to sell insurance in: MD, CO, GA, ID, NE, WI, DC, DE, TN, FL, MI, NC, TX, PA, SC, NY, WV and VA. I am licensed to sell securities in: CA, CO, DC, DE, FL, ID, IN, MD, NC, NE, PA, TN, SC, TX, MI, NJ, OH, VA, WA. Statera Advisors is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.

American couples who reach age 65 have a chance of one or both members living almost 20 years longer on average. Let’s t...
06/09/2026

American couples who reach age 65 have a chance of one or both members living almost 20 years longer on average. Let’s talk over your retirement plan and make sure it can go the distance.

Every strong plan starts with protection. Whole life insurance offers lifelong death benefit protection and guaranteed c...
06/09/2026

Every strong plan starts with protection. Whole life insurance offers lifelong death benefit protection and guaranteed cash value growth over time—working alongside your savings to support a more resilient financial foundation. Let’s discuss how this protection can support your long‑term financial strategy.

70% of simulated “retirement plan failures” happen within the first 5 years due to the sequence of returns*. Pairing gro...
05/20/2026

70% of simulated “retirement plan failures” happen within the first 5 years due to the sequence of returns*. Pairing growth with reliable income can help your retirement plan stay on track. Let’s go over your options.

Life changes quickly—marriage, kids, a new home, new responsibilities. But it’s easy for financial plans to stay the sam...
05/19/2026

Life changes quickly—marriage, kids, a new home, new responsibilities. But it’s easy for financial plans to stay the same while everything else moves forward. Moments like these are a good reminder to check in and make sure your life insurance protection and long-term strategy still match the life you’re building. When was the last time you did a financial check‑in? Let’s connect.

Steady income can help retirees feel more comfortable spending and avoid costly mistakes. Let’s talk about how guarantee...
05/06/2026

Steady income can help retirees feel more comfortable spending and avoid costly mistakes. Let’s talk about how guaranteed income can help build confidence in your plan.

Retirement planning isn’t just about a 401(k). Whole life insurance can add a layer many plans overlook—lifetime coverag...
05/05/2026

Retirement planning isn’t just about a 401(k). Whole life insurance can add a layer many plans overlook—lifetime coverage and guaranteed cash value. It’s a way to stay protected while building flexibility for the future, even when markets are unpredictable. If you’re thinking about long‑term security, this is a conversation worth having. Let’s connect.

Planning your retirement isn’t as simple as “save, stop, spend.” Let’s talk about what your retirement story could look ...
04/22/2026

Planning your retirement isn’t as simple as “save, stop, spend.” Let’s talk about what your retirement story could look like — and how to build it.

A bonus is one of the few times you get extra income outside your regular earnings—and that makes it a smart opportunity...
04/21/2026

A bonus is one of the few times you get extra income outside your regular earnings—and that makes it a smart opportunity to strengthen your financial protection. Using part of a bonus for whole life insurance can add immediate death benefit coverage while building tax‑advantaged value you can use down the road. Let’s talk through what makes sense for you.

With fewer Americans relying solely on traditional pensions, retirement income today is often something you help shape —...
04/08/2026

With fewer Americans relying solely on traditional pensions, retirement income today is often something you help shape — through planning, saving, and smart decisions.
And with retirements now stretching 25–30 years or more, having a plan built to go the distance matters.

Let’s talk about what you need and how to create a retirement strategy built to last.

04/07/2026

Tax season can be a great opportunity for strengthening your financial plan. Instead of letting your refund disappear into everyday spending, consider using it to build long‑term protection for the people you care about.

Whole life insurance can offer guaranteed protection, cash value build-up, and added stability to your overall strategy. Let’s connect to discuss how it could fit your plan.

Address

433 4th Street
Annapolis, MD
21403

Telephone

+14105715113

Website

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