Perspective Shifters
Truth Tellers
Game Changers
If you die in poverty, it's a 100% your fault.
Deuteronomy 8:18
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.
Deuteronomy 8:18
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.
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.
We show you how to create multiple streams of income so if the main stream slows down or disappears there's other streams flowing.
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
Employee Retention Programs
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.
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.
Employee Retention Programs
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.
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 die in poverty,
it's a 100% your fault.
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.
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
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.
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.
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.
CASANDRA WILLIAMS
If you are considering working with her - do it and hurry! Get her before someone else snatches her up.
JULIE BRAUN
DEBORAH ORLANDINI
Facebook
X
Youtube