Financial Consulting Services
Financial planning and consulting
My Journey to Financial Freedom
In March of 2015, the trajectory of my life changed completely. The week we buried my Dad after losing him to Cancer, my Mom was diagnosed with Stage 4 Cancer.
Fast forward a few years. I packed up my Mom’s house and my house in North Carolina, sold them both and moved us back to Texas to be closer to family.
We hit the road in separate vehicles. Right outside of Memphis, TN, I was checking my rearview mirror and saw my Mom hit a concrete barrier at 75 miles per hour. 4 months and 4 brain scans later the doctors said she must’ve had a stroke and her cognitive function was impaired. She needed more care than I could give her so I hired a part-time caregiver and things were good, for awhile.
When the pandemic hit, we lost our caregiver due to a shortage of staff and weren’t able to find another. I made the decision to leave my 9 to 5 career and become a Life Coach.
I met a woman with a financial company who hosted Money Mindset events and I was hooked from the first event. The stars aligned because many of my clients were struggling with money challenges, so I made the choice to shift my focus to Money Mindset Coaching. Not only for them but for my own benefit as well.
Then I attended another financial event where I learned about Living Benefits, the new kind of life insurance that you don’t have to die to get. The kind that would’ve paid out when we needed it most, when Mom had her Cancer diagnosis and then again when she had a stroke. The financial struggles could have been prevented if we had just known about Living Benefits. I decided that I want to educate families about this type of life insurance that doesn’t cost any more than the regular life insurance. It was then that I became a Financial Consultant with Five Rings Financial.
I finally found a career where I get to help people with their money and their mindset while also educating myself on money principles and mindset practices. Win Win!
It is truly my desire and purpose to help people remove any guilt, shame or fear they have around money, to empower people to generate, receive, save, spend and invest with confidence and to create generational wealth and have an impact! I’m still on my journey but I’m equipped with all the knowledge, tools and desire to get me and my clients to
FINANCIAL FREEDOM!
My Areas of Focus
Protect Your Family
with Living Benefits
Living Benefits life insurance represents a modern twist on life insurance coverage. A policy featuring living benefits riders (also known as accelerated benefit riders, or ABRs) will grant “early access” to the policy’s death benefit while the insured party is still alive if they are to suffer any of the triggering conditions contained in that policy’s living benefits riders.
IUL for Kids
Setting up a properly-designed IUL for your child as early as possible can put them on a fast track to financial success as they reach adulthood. Don't wait another day to secure your child's financial future. IUL for Kids offers a unique and powerful combination of protection, savings, and growth potential to ensure that your child has every opportunity to thrive.
Tax Free Retirement
Tax-Free Retirement with IUL is a smart and strategic approach to building your retirement nest egg. By leveraging the unique features of an IUL insurance policy, you can enjoy a tax-efficient retirement income while simultaneously protecting the financial future of your loved ones. Flexibility and Control. No Contribution Limits. Expert Guidance Every Step of the Way
Smart Business Planning
Key person coverage, buy-sell agreements, risk transference, and more. You've worked hard to build your business. Now protect it.
Safeguard the business's future
Protect key employees
Secure with Life Insurance
Protect Your Home
A Mortgage Protection Plan is the smartest, most efficient way to safeguard your most important asset. Mortgage Protection plans provide the protection of both a death benefit and Living Benefits, meaning that no matter what life throws your way, you'll be able to access much-needed funds. It's the smart, forward-thinking solution for any homeowner.
Fixed Indexed Annuities
Looking for a way to secure your financial future and generate a steady stream of income during retirement? Fixed indexed annuities are insurance products that provide a guaranteed minimum interest rate, while also offering the potential for higher returns based on the performance of a stock market index. They’re a hybrid between fixed annuities and variable annuities.
“Getting the Living Benefits was one of my better decisions…Get the Living Benefits, because you just don’t know what’s around the corner.”
Living Benefits Testimonials
Are you ready to work with Melissa?
Do you feel like you want to make good financial choices to grow and protect your money, household and family but aren’t sure where to start?
A quick chat followed by a complimentary financial review is the opportunity to work with Melissa in a private and confidential setting. This is to not only work together to design a solid financial foundation, but also to receive guidance and strategy on the steps you can take to make it a reality for you!