Question 1

When should I start seriously planning for retirement?

Accepted Answer

The best time to start was yesterday. The second-best time is today. If you are within 5–15 years of retirement, this is the critical window. During this stage, we focus on maximizing contributions, reducing risk exposure, eliminating high-interest debt, and creating an income distribution strategy

Question 2

How much money do I really need to retire comfortably?

Accepted Answer

There is no one-size-fits-all number. Retirement planning is based on your lifestyle, not just your savings balance. We evaluate:
Expected monthly expenses
Healthcare costs
Inflation
Pension or Social Security income
Desired legacy goals
The goal is to create predictable, sustainable income

Question 3

Should I pay off debt before retiring?

Accepted Answer

Generally, yes — especially high-interest debt. Entering retirement with credit card debt or large consumer loans can significantly reduce your income flexibility. However, low-interest mortgages or strategic debt may require a more detailed evaluation. We review your entire financial picture.

Question 4

What about generational wealth? How do I make sure my family benefits?

Accepted Answer

For many African American families, retirement is not just about lifestyle — it’s about legacy. We discuss:
Beneficiary planning
Life insurance strategies
Trust and estate planning coordination
Tax-efficient wealth transfer
Educating children and grandchildren about money

Question 5

Do I need life insurance if I’m close to retirement?

Accepted Answer

It depends. If you still have dependents, debt, or legacy goals, life insurance may still serve a purpose. It can:

Replace income

Cover final expenses

Provide tax-efficient legacy planning

Offset pension loss for a surviving spouse

Every recommendation should align with your long-term strategy.

Question 6

How is working with you different?

Accepted Answer

I understand that retirement planning is not just about numbers — it’s about stability, dignity, and family. My approach focuses on education first. I help clients understand their options, risks, and strategies so they can make confident decisions. Every plan is personalized, not cookie-cutter.

Question 7

Why Retirement Planning Is Different for Black Families

Accepted Answer

You can professionally reference:

The racial wealth gap

First-generation wealth builders

Limited access to employer pensions

Cultural expectations of family support

Framed from an empowerment standpoint — not victimhood.

Plan Your Future With Purpose

Plan Your Future With Purpose

Plan Your Future With Purpose

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Location

Pappasito's Cantina

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