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TNTalitha Nascimento

Services

It starts with financial organization, so we can analyze where you currently stand. From there we work through the areas your situation actually calls for, in the order that makes sense for you.

01

Where we start

Where your financial foundation starts.

The most important part of any financial strategy, and the one most people skip, moving straight to products and investments. That leads to gaps, redundancies, and missed opportunities. We start by analyzing where you currently stand and mapping your full financial picture, so everything built on top of it has a clear purpose.

What gets reviewed

01Income and monthly cash flow
02All assets and account balances
03Outstanding debts and liabilities
04Existing insurance coverage
05Retirement savings and projected income
06Protection gaps and coverage shortfalls
07Short and long-term financial goals
02

Name the goal. Then plan for it.

Saving without a destination is hard to sustain. We define what you are saving toward and by when, whether that is a home, a business, or a child's education, review the accounts and employer plans you already contribute to, and work through the trade-offs every saver faces between growth potential, access to the money, and how it is taxed.

What we work through

01What you are saving for, and the timeline for each goal
02Education funding, and how the timeline changes the approach
03The accounts and employer plans already in place
04Tax diversification: how money in differently taxed buckets works together
05Trade-offs between growth potential, access, and tax treatment
06A savings approach you can actually keep up
03

Turn a number into a plan for income.

Accumulating is only half the job. This is the work of estimating what retirement will actually require, comparing that against what is projected to be available, and coordinating the timing decisions that shape the result.

What we plan for

01The gap between projected retirement needs and projected income
02Social Security timing considerations
03Required minimum distributions and the years they begin
04Sequence-of-returns risk in the early retirement years
05Long-term care considerations built into the plan

Key questions to answer

How much will you need each month? What if you live to 95? We work through the real numbers together.

04

Keep what you have built. Pass it on well.

You have worked hard to build what you have. The right protection plan is built to help keep something unexpected from taking it away, and to help it reach the people you intend it for.

What this covers

01Protection strategies to replace income and cover dependents
02Plans that can serve both a protection and a wealth-building role
03Business owner protection and key-person coverage
04Estate planning coordinated with your attorney, so wills, trusts, and beneficiary designations agree with each other
05Strategies to transfer wealth efficiently to heirs, and build generational wealth

Next step

A complimentary 30-minute consultation to talk through where you are and where you want to be. No pitch, no pressure, and you leave knowing at least one thing you did not before.

— —/Office

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