Financial Therapy

Perspective Shifters

Truth Tellers

Game Changers

Our mission:

Love is our foundation for God is love. We believe wealth is for all because He says so.

If you were born into poverty, it's not your fault.

If you die in poverty, it's a 100% your fault.

About Us

Here at Re'nita LaRae Financial we believe wealth is your birthright; it's for everyone. Wealth looks different for every family, but each one of us has the ability to produce it to some measure. The problem is we aren't taught how. We're taught to make money, but holding on to it and/or growing it is a different story.

Our success with money is our responsibility. If you were born without money, it isn't your fault. If you die with no money it's 100% all on you. We live in an information and digital age so we have all we need to be successful if you choose to. It all begins with learning. You have dedicate time throughout life to rising your financial IQ. We should never stop learning. How money worked 15 years ago, 30 years ago won't work in todays shifting economy.

Instead of just evaluating the numbers and suggesting products, we look at the whole picture. What's your mindset when it comes to money? What do you really think about money, and people with money? What experiences have you had with money? Where do you want to be financially next year, 5 years from now and not some day 30-40 years from now.

You see our mind only accepts the information it believes to be true based off of our already existing beliefs that are stored in the subconscious mind. Together we draw out those beliefs and put them to the test, while also rising your financial IQ and implementing money moves to begin building wealth. If you don't reprogram your subconscious mind, nothing new can be learned or implemented.

"God gives you the ability to produce wealth"

Deuteronomy 8:18

What We Value


LOVE MOTIVATES US TO SERVE

PASSION FOR SERVICE DRIVEN BY LOVE

Our dedication to serving others is fueled by genuine care and compassion, inspiring us to go above and beyond in every interaction.

NO FAVORITISM/EVERYONE INCLUDED

COMMITMENT TO FAIRNESS AND INCLUSION FOR ALL

We uphold a culture of fairness and ensure that everyone is valued and included, without favoritism. 

INTEGRITY

UPHOLD INTEGRITY

We adhere unwaveringly to the highest standards of honesty, ethics, and transparency in all aspects of our operations.

INNOVATION. WE'RE ALWAYS EVOLVING, GROWING IN OUR KNOWLEDGE

COMMITMENT TO INNOVATION, EVOLUTION, AND CONTINUOUS LEARNING

We prioritize staying at the forefront of our industry by embracing innovation, continually evolving, and fostering a culture of lifelong learning amongst our team.

COLLABORATION

FOSTERING A COLLABORATIVE COMMUNITY OF EXPERTS

We believe in the power of collaboration, bringing together a diverse network community of experts to achieve  excellence in all endeavors.

About Us

Here at Re'nita LaRae Financial we believe wealth is your birthright. Wealth looks different for every family, but each one of us have the ability to produce it to some measure. The problem is we aren't taught how. We sure can make money, but holding on to it and growing it a different story.

So instead of just evaluating the numbers and suggesting products, we look at the whole picture. What do you really think about money? What is your conditioning concerning money?

You see our mind only accepts the information it believes to be true based off your already existing beliefs that are stored in your subconscious mind. We draw out those beliefs and put them to the test them, while also raising your financial IQ and investing. If you don't reprogram the subconscious mind, nothing new can be learned or implemented.

"God gives you the ability to produce wealth"

Deuteronomy 8:18

What We Value

LOVE MOTIVATES US TO SERVE

PASSION FOR SERVICE DRIVEN BY LOVE

Our dedication to serving others is fueled by genuine care and compassion, inspiring us to go above and beyond in every interaction.

NO FAVORITISM/EVERYONE INCLUDED

COMMITMENT TO FAIRNESS AND INCLUSION FOR ALL

We uphold a culture of fairness and ensure that everyone is valued and included, without favoritism. 

INTEGRITY

UPHOLD INTEGRITY

We adhere unwaveringly to the highest standards of honesty, ethics, and transparency in all aspects of our operations.

INNOVATION. WE'RE ALWAYS EVOLVING, GROWING IN OUR KNOWLEDGE

COMMITMENT TO INNOVATION, EVOLUTION, AND CONTINUOUS LEARNING

We prioritize staying at the forefront of our industry by embracing innovation, continually evolving, and fostering a culture of lifelong learning amongst our team.

COLLABORATION

FOSTERING A COLLABORATIVE COMMUNITY OF EXPERTS

We believe in the power of collaboration, bringing together a diverse network community of experts to achieve  excellence in all endeavors.

Services

Dream Protection

Most understand the need to insure our vehicles, our businesses, our apartments and homes, but but it isn't our first thought when it comes to protecting our families.

When we buy a home, we get insurance.

When we buy a car, we get insurance.

When we start a business, we get insurance.

So, when we have a bay or connect our lives with another person, we should protect that person that now relies on us. It should be a top priority along with getting the marriage or birth certificate.

Don't wait another day, let's get you covered. Tomorrow is not guaranteed.

Investing

Investing is a major part of living in financial freedom. If you want to build wealth, you have to invest. You have to learn how to put your dollars to work so they multiple with little effort and time.

We show you how to create multiple streams of income so if the main stream slows down or disappears there's other streams flowing.

Real Estate Investing

We believe investing in real estate is foundational way to building wealth, if done correctly. As long as there's humans on earth we will need somewhere to live, so real estate isn't going anywhere.

Here at Re'nita LaRae Financial we take a different approach than most to acquire properties. You can start with very little capital and build a portfolio of assets quickly.

Infinite banking is a wealth building process that shows you how to effective and efficient with your money.

Infinite Banking

Learn about the how banks functions and become a owner, and stop being a consumer. Build guaranteed access to cash, tax free, that you can borrow against for anything you like.

This strategy shields you from inflation, rising interest rates and taxes.

Wealth is your birth right, so it's time to begin building it.

Employee Retention Programs

According to Gartner, employee turnover is forecasted to be 50–75% higher than companies have experienced previously, and the issue is compounded by it taking 18% longer to fill roles than pre-pandemic. It's time to create an environment of love in the office. Show your employees you care about their success in life, and not just within the company. Prove you're the company is the best company to work for and stay with.

Service

Dream Protection

Most understand the need to insure our vehicles, our businesses, our apartments and homes, but but it isn't our first thought when it comes to protecting our families.

When we buy a home, we get insurance.

When we buy a car, we get insurance.

When we start a business, we get insurance.

So, when we have a baby or connect our lives with another person, we should protect that person that now relies on us. It should be a top priority along with getting the marriage or birth certificate.

Don't wait another day, let's get you covered. Tomorrow is not guaranteed.

Investing

Investing is a major part of living in financial freedom. If you want to build wealth, you have to invest. There's no saving your way to wealth.

Learn how to make your dollars your employees instead you working for it.

Money is a game. Learn to play and play it well.

Real Estate Investing

We believe investing in real estate is foundational way to building wealth, if done correctly. As long as there's humans on earth we will need somewhere to live, so real estate isn't going anywhere.

Here at Re'nita LaRae Financial we take a different approach than most to acquire properties. You can start with very little capital and build a portfolio of assets quickly.

Infinite Banking Concept

Infinite banking is a wealth building process that shows you how to effective and efficient with your money.

Learn about the how banks functions and become a owner, and stop being a consumer. Build guaranteed access to cash, tax free, that you can borrow against for anything you like.

This strategy shields you from inflation, rising interest rates and taxes.

Wealth is your birth right, so it's time to begin building it.

Employee Retention Programs

According to Gartner, employee turnover is forecasted to be 50–75% higher than companies have experienced previously, and the issue is compounded by it taking 18% longer to fill roles than pre-pandemic. It's time to create an environment of love in the office. Show your employees you care about their success in life, and not just within the company. Prove you're the company is the best company to work for and stay with.

Money Paradigm Shift - COMING SOON!

What is a paradigm shift?

An important change that happens when the usual way of thinking about or doing something is replaced by a new and different way.(Merriam-Webster Dictionary)

Every person has adopted a particular belief system in the areas of relationships, health, the opposite sex, money... you name it. From the ages 2-7 we were like sponges rapidly absorbing all of the chatter, behaviors and attitudes of those arounds us.

Do you know that at your current age in adulthood you are making decisions and displaying certain behaviors based off what you absorbed from ages 2-7 years old?! Insane but true.

Money Paradigm Shift - COMING SOON!

What is a Paradigm Shift?

An important change that happens when the usual way of thinking about or doing something is replaced by a new and different way.(Merriam-Webster Dictionary)

Every person has adopted a particular belief system in the areas of relationships, health, the opposite sex, money... you name it. From the ages 2-7 we were like sponges rapidly absorbing all of the chatter, behaviors and attitudes of those arounds us.

Do you know that at your current age in adulthood you are making decisions and displaying certain behaviors based off what you absorbed from ages 2-7 years old?! Insane but trButtonue.

If you were born into poverty,

it's not your fault.

If you die in poverty,

it's a 100% your fault.

FAQS

Who needs life insurance?

Here are a few examples of those who life insurance benefits:

a. Parents with dependents:

According to the USDA, the expected cost of raising a child to age 18 is around $233,610. Having dependent children means facing some hefty costs, including childcare, extracurriculars, schooling, and higher education costs. When you put these costs together, along with housing and necessities, the death of a parent can leave children at a severe disadvantage. Life insurance can help ensure that your children will be covered during the time in their lives when they truly depend on you.

b. Couples:

Couples in any stage of life may need life insurance. For example, if couples have financial responsibilities together, such as a mortgage, the impact of one person’s death could mean the other can’t maintain those obligations. A life insurance policy can help the remaining partner keep their home and lifestyle after someone dies. A life insurance payout can also provide a buffer for grieving loved ones. If a surviving partner would like to take an extended work break to grieve their loss, an insurance payout can give them the breathing room to do so.

c. Homeowners with a mortgage:

A home is typically the most valuable asset owned by American consumers. A mortgage payment can be a significant component of the household budget and an incredible burden if an income-earning loved one dies. Life insurance benefits can ensure that your beneficiaries or dependents can keep their home if you unexpectedly pass.

d. Single parents:

Single parents shoulder all or most of the financial responsibility for their children. The death of a single parent can leave children with a financially uncertain future at a time when they are already grieving a huge loss. A life insurance policy can benefit the children so they still have the opportunities you hope for them as a parent. With the right policy, college funds, extracurriculars, or even funding to buy their first house could be possible.

e. Business owners:

If you own a business, your family and business partners could likely struggle to maintain it uninterrupted in the event of your death. A life insurance policy can help them cover costs to keep continuity, such as operational costs, business debts, or fees related to transferring the business to their heirs or a buyer.

f. Those with large debts:

When a person dies with debts, some could be inherited. For example, joint or co-signed debts could be transferred to the other signer. Some states may hold spouses or children responsible for unpaid medical debt. Life insurance can be a good way to ensure your beneficiaries are able to pay those debts – not financially burdened by them.

g. Primary earner of the family:

Even if you're divorced. When you’re the family breadwinner, your loved ones rely on you to survive financially. If you die, they may find they’re unable to support themselves, at least in the short term. For example, consider how long it may take a stay-at-home parent to find a job if they suddenly need one. Life insurance can ensure the bills are taken care of while your beneficiaries take time to make necessary life adjustments.

Is there an exam for life insurance?

Most carriers try to stay away from an exam. It depends on what’s on your driver’s report, credit report, prescription history and medical information bureau report. They also consider your age, height/weight, occupation, tobacco use, if you engage in any risky activities and family health history.

How much life insurance do I need?

a.      30 times your income at ages 18 to 40

b.      One-half of your net worth at ages 71 to 75

c. Amount of your mortgage or asset you’re looking to protect

How do I choose between term and permanent life insurance?

i.      Duration - how long you feel you need life insurance coverage.                                                             

ii.     Budget – how much can you afford monthly or annually.                                                           

iii.    Financial Goals – are you looking to cover debts or income replacement, or are you looking for it to serve as a financial asset, providing cash value that you can borrow against or withdraw.                             

iv.    Health - Consider your health and potential changes in the future. If you anticipate health issues that could affect insurability, permanent insurance may be a better long-term solution.                                  

v.     Flexibility – do you want something simple and straightforward with limited options for changes, or something more flexible, with options to adjust premiums, death benefits, and investment allocations.

How do I choose a beneficiary?

You have what they call ‘insured interest’ in the beneficiary. So someone who you care for or relies on you financially. A business you own or are a ‘key employee’ at.

A trust is highly suggested because:

b.      Avoid probate

c.      Simplify and speed up the distribution of your assets.

d.      Provide greater flexibility and control through specific instructions on not only who receives your assets but also how (e.g., spread out over time, at the discretion of someone else, etc.).

e.      Minimize conflict, as trust instructions cannot be contested in court like wills can.

f.       Maintain privacy by keeping your assets from becoming public record as part of the probate process. g.      Protect assets from creditors and lawsuits.

h.      Minimize taxes, as certain types of trusts can reduce estate, gift or income taxes.

What if I have medical concerns?

If you have medical concerns find an 'independent' insurance agent, meaning they can sell insurance with various insurance carriers. That way they can shop around and see if there's a carrier that will work with your specific needs.

Meet Re'nita LaRae

"I'm chasing impact, not money"

Re'nita means: Dignified and Reborn

LaRae means: Protection, strength, resilience, freedom, adaptability, exploration, and adventure.

My purpose is to bring laughter, love and peace to the world through the heart of Jesus.

I'm a Midwestern girl, born and raised in Minnesota. Moved to Arizona in 2009 and have been ever since.

I knew since a child that I wanted to help people but I wasn't sure how, so I decided to begin my career in Nursing. Not too long into it I discovered that it wasn't for me. It was a very rewarding job, but it was very heavy on my heart because I worked with the terminally ill.

So I ended my career in Nursing and went back to school for business and finance. I landed a job downtown Minneapolis with American Express Financial (now Ameriprise Financial) where I obtained my series license and began my new career in the annuities division. I quickly fell in love with the job and began shadowing in mutual funds and life insurance, learning everything I could.

After three years of working with financial advisors over the phone I wanted more, so I left Ameriprise Financial and began working in the field in an independent advisor's office.

I worked under several advisors all with different specialties to include: medicare, working with small business owners, and servicing professional athletes.

After a while I witnessed that there was many individuals who weren't being served I.e. women, african american/latinos, those with little capital and youth.

So in 2020 I stepped out and created Re'nita LaRae Financial to serve those communities.

Re'nita has been an asset to my businesses and for my families future. She truly cares about my goals and needs. As an entrepreneur my biggest concern is retirement. She presented a few options that fit all my needs; with her expertise we decided on the financial plan that gave me the security I needed. She even included my disabled parent to my long term financial planning. She has an amazing team! Everything was presented to me in a timely manner with check ins along the way. Now I can focus on continuing to build my portfolio. Thank you Re’nita!

CASANDRA WILLIAMS

Re'nita is someone who automatically brings out the best in others. She has a disarming calm and real approach which made me - from the first time I met her - felt safe. I think the thing that is most fascinating about Re'nita is her purpose driven passion. It is infectious and I look forward to more collaborations with her in the near future!

If you are considering working with her - do it and hurry! Get her before someone else snatches her up.

JULIE BRAUN

Re'nita LaRae Financial was a perfect fit for me and my investment portfolio needs. I have worked with multiple financial advisors and always felt that they didn’t have my best intention at heart. I started working with Re'nita LaRae and found myself feeling confident that she was looking at a product that completely fitted my needs and wants for the current needs and the future goals. As a woman it’s important to feel that you have been heard and respected with these kind of transactions. She did both. The product she set me up with is proven to be successful in the desire of what I was looking to accomplish. I highly recommend her as your financial advisor.

DEBORAH ORLANDINI

Image

Start Training Your Subconscious Mind To Get What You Want

Click here and read the following article on some steps you can take to develop a wealthy mindset.

Image

The Connection Between Financial Well-Being And Mental Health

Click here to read more about the connection between financial well-being and mental health.

Image

What Is Personal Finance, and Why Is It Important?

Click here to discover Investopedia's best practices and tips for personal finance.

Get In Touch:

11201 N Tatum Blvd, Phoenix, AZ 85028, USA