“Fernanda handled my Brazilian passport renewal end-to-end. Professional, fast, and she explained every step in Portuguese. I felt taken care of.”
MS
Mariana S.
Newark, NJ
← All services
Private Retirement Planning
Private retirement plans built around your real goals — not a generic template. We integrate tax-advantaged savings with life insurance benefits so your money works for you while you're alive and protects your family if it doesn't.
What's included
- Goal-based retirement projection
- IUL and annuity-based retirement vehicles
- Tax-advantaged accumulation strategies
- Integration with life insurance living benefits
- Periodic review and rebalancing
Who it's for
Adults aged 30–60 who want a private retirement plan that doesn't depend on Social Security alone.
How it works
- 1We map your income, expenses, and target retirement age.
- 2We design a custom plan with clear projections in plain language.
- 3You fund it, we review it yearly, and we adjust as your life changes.
Ready to get started?
Send a message and Fernanda will follow up personally — usually within 24 hours.
FAQ
Frequently Asked Questions
Is this an IRA or a 401(k)?
Neither — these are private, tax-advantaged plans (often IUL or annuity-based) that complement any employer plan you may have. They're fully owned by you.
How much do I need to start?
Plans start from contributions as low as $200/month. We design around your real budget, not a minimum.
What if I need access to the money before retirement?
Most plans we design allow tax-advantaged access to your accumulated value during your lifetime — without the penalties of early IRA withdrawals.
What happens to the money if I pass away?
Your beneficiaries receive the full death benefit, tax-free. It's a retirement plan and a life insurance policy in one.
How is this different from investing in the stock market?
Most plans we design have a floor (you can't lose principal in a market crash) with a cap on upside. Trade-off: less explosive growth, much more peace of mind.
Still have questions? Reach out anytime — I respond personally.
TESTIMONIALS
What Our Clients Say
Real stories from families and business owners we've served.
“She set up my LLC and walked me through EIN and ITIN. Six months later my business is running. I wouldn't have done it without her.”
CP
Carlos P.
Small business owner, CA
“We bought life insurance through Fernanda. She actually explained the living benefits — no pressure, just clear advice for our family.”
J&
Juliana & Marcos T.
Boston, MA