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TNTalitha Nascimento

Services

Everything starts with education and an honest picture of where you stand. What follows is shaped by what your own numbers show, not by a template.

01

Understand it first. Decide second.

Two things happen before anything else. You learn how money works, in plain language, without jargon standing in for an explanation. Then we map your whole picture together: the household, the goals, the income and taxes, the cash flow, the assets, the liabilities, and the coverage already in place. Questions get asked before anything is proposed.

What we cover

01Your household, and who depends on you
02What the money is actually for
03Income, taxes, and what is left over
04Cash flow: where it goes each month
05Your residence and what it truly costs
06Every asset and account balance
07Liabilities, rates, and payoff dates
08The coverage you already have in place
02

Look at the risks before the returns.

You trade your time and your skill for money, which makes your ability to earn the thing most worth examining first. This is a review of the risks your household is carrying and the coverage already in place, so any gap between the two is visible to you rather than hidden.

What we review

01The coverage you hold today, and what it does
02How employer benefits fit alongside personal coverage
03Income replacement needs for the people who depend on you
04Obligations a business owner may need to plan around
05Where a gap exists between the risk and the coverage
03

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
06How much risk a given goal can reasonably carry
07A savings approach you can actually keep up
04

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. Where tax or legal questions arise, they are referred to your own professionals.

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
06Wealth transfer wishes, coordinated with your tax and legal professionals

These descriptions explain what happens when we work together. They are educational and are not a recommendation or an offer. Full disclosures appear at the foot of every page.

Next step

Thirty minutes, at no cost, to talk through where you are and where you want to be. No pitch, no pressure, and you leave with at least one thing you did not know before.

— —/Office

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