One year ago, Hurricane Helene swept through our community, leaving behind not just physical damage—but financial disruption for many families and businesses. As we reflect on the anniversary of this devastating storm during National Preparedness Month, it’s the perfect time to ask: Is your financial plan ready for the unexpected?

At Freitas Wealth Management Group, we believe that wise financial stewardship includes preparing for life’s storms—both literal and figurative. Here are five key lessons we’ve learned from Helene that can help you storm-proof your finances:

1. Emergency Funds Are Essential, Not Optional

When disaster strikes, access to liquid savings can make all the difference. Whether it’s covering temporary housing, replacing essentials, or bridging income gaps, an emergency fund provides peace of mind and flexibility.

Tip: Aim for 3–6 months of essential expenses in a high-yield savings account. If you had to dip into your fund after Helene, now’s the time to rebuild.

2. Insurance Gaps Can Be Costly

Many families discovered too late that their coverage didn’t match their needs. From flood exclusions to outdated property values, insurance shortfalls can compound the stress of recovery.

Tip: Review your home, auto, life, and disability insurance annually. Make sure your policies reflect your current lifestyle, income, and liabilities.

3. Estate Planning Isn’t Just for the Elderly

Helene reminded us that life can change in an instant. Having your legal documents in order—like wills, powers of attorney, and healthcare directives—ensures your wishes are honored and your loved ones are protected.

Tip: Store digital and physical copies of your documents in a secure, accessible location. Don’t forget to update beneficiary designations regularly.

4. Faith-Based Planning Brings Peace in Uncertainty

As a Certified Kingdom Advisor®, I’ve seen how biblical principles of stewardship can guide families through even the most turbulent times. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Preparation is not fear—it’s wisdom.

Tip: Align your financial plan with your values. When your faith and finances work together, you can weather any storm with confidence.

5. Community Matters

In the aftermath of Helene, neighbors helped neighbors, churches opened their doors, and local businesses stepped up. Financial preparedness isn’t just personal—it’s communal.

Tip: Consider how your financial stability allows you to serve others. Whether it’s donating to relief efforts or offering shelter, your plan can be a blessing beyond your household.

Ready to Review Your Plan?

If Hurricane Helene taught us anything, it’s that preparation is powerful. Let’s sit down and make sure your financial plan is built to withstand whatever comes next.