Ascend Point Financial, LLC

03/24/2026

Raise your hand if TAXES in retirement were NOT part of your plan. 🙋 Yeah. Same. 😅

Here's something that catches a lot of people completely off guard — and honestly, it's not your fault nobody told you. 💛

Most of us spend decades doing the responsible thing. 💪🏽 Saving. Contributing to the 401k. Watching that balance grow. Feeling good about the future.

And then retirement actually arrives and — surprise — a big portion of what you saved? The IRS wants their cut. 😤💸

Traditional retirement accounts are tax-DEFERRED. Meaning you don't pay taxes now... you pay them later.

When you're retired and living on a fixed income. That's a detail that changes the whole picture. 🤯

But here's the part I love sharing 😊 — there are completely legal strategies that have been used by financially savvy families for DECADES that allow your money to grow and be accessed completely tax-free in retirement. Not tax-deferred. Tax-FREE. 💰✨

More of YOUR money. Staying in YOUR pocket.

Living the retirement you actually planned for — not a reduced version of it after taxes. 🙌🏽

Whether you're 25 or 55 this conversation matters. ⏳ The earlier you start the more powerful it becomes — but today is genuinely always better than waiting.

This is one of my absolute favorite topics to break down because the lightbulb moment people have is everything. 💡😊

It's covered weekly it in detail during our FREE Money 101 event on Zoom or the monthy event in person!

Curious? 👀 Join me for Money 101 💰 in person or on Zoom each Monday evening!

Drop a 🔗below for the link... and discover what a tax-free retirement can look like for YOU. 🔗

03/04/2026

Super excited to co-host a FREE financial education event with THE Cathie Spalding!! 🙌 Join us for dinner, networking, and smart money tips you didn't learn in school. 😳

Money is not always easy to think or talk about... yet it's EASY to build wealth and prepare for unexpected financial hardships when you have the right strategy 😎. Mark your calendar and see you there! You won't want to miss it!

10/30/2025

💰 Before 2025 ends, let's talk about a retirement mistake almost EVERYONE is making. 😰

You contribute to your 401k. ✅
You get the company match. ✅
You feel good about "saving for retirement." ✅

But did you know that money is ALL taxable when you take it out? 💸😱

Here's the math that will terrify you: 📊

1️⃣ You work 30-40 years contributing to a 401k 💼

2️⃣ You finally retire with $500,000, hopefully more saved! 🎉

3️⃣ But when you withdraw that money? The government takes 20-30% 😰

4️⃣ Your $500,000 is really only $350,000-$400,000 💔

Tax-free retirement strategies flip the script: 🔄 ✨

Money grows with NO loss (zero is your hero) 📈 ✨

Withdrawals are 100% tax-free 💰 ✨

Pass wealth to kids tax-free 👨‍👩‍👧‍👦 ✨

Access money in emergencies without penalties 🛡️

As a nurse who worked WAY too many night shifts to give my retirement away to taxes, I'm passionate about this. 💪

You will want to be too. 🔥

Before we close out 2025, let's make sure your retirement plan actually works FOR you, not against you. 💚✨

Ready to learn about tax-free strategies?

Our weekly Money 101 class covers this in detail! 🤩💰

Comment "TAXFREE" below and join us for Monday night’s virtual class!📚🏖️

10/22/2025

👵 Women need more retirement savings than men, yet we have less. Let's fix that. 💪

Here's the math that keeps me up at night: 📊

1️⃣ Women live 5-7 years longer than men on average ⏰

2️⃣ Women earn less over their lifetimes 💸

3️⃣ Women take more career breaks for caregiving 👶👴

4️⃣ Women face higher healthcare costs in retirement 🏥💰

Yet women have significantly LESS saved for retirement than men. 😰💔

Add a serious health crisis like cancer to the mix? 🎗️

Many women never financially recover.

Their retirement dreams disappear along with their savings. 😢

I've seen it as a nurse: Women in their 60s-70s still working because they had to drain retirement accounts during a health crisis in their 40s-50s. 💔

The "golden years" that never came. ✨❌

This is why tax-free retirement strategies and living benefits matter SO much for women:

💪 🌟 Tax-free retirement = more money stays in YOUR pocket when you need it most

🌟 Living benefits = your retirement stays protected even if you face critical illness

🌟 Proper planning = you don't have to choose between health and wealth

Ladies, we MUST take our retirement planning seriously. 💰

We're going to live longer - let's make sure we can actually enjoy those extra years! 🎉✨
Your future self is counting on present-you to make smart decisions. 🙏💚

Ready to build a retirement plan that actually works for women's realities?

💰Our Money 101 covers this! Join me virtually on Mondays! Comment "RETIRE" below! 📚💕

10/16/2025

💊 They told her she had great health insurance. They forgot to mention it wouldn't save her house. 🏠💔

I met with a breast cancer survivor last week. 🎗️

Her insurance covered her treatment (mostly). ✅

Her employer held her job. ✅

Her family was supportive. ✅

But she lost her house. 😢

Why?

Because having health insurance and having financial protection are two completely different things. 🤯

Her story: 📖
1️⃣ Diagnosed in October 2024 🎗️

2️⃣ Treatment lasted 9 months ⏰

3️⃣ Too sick to work months 3-7 😷

4️⃣ Used all her sick/vacation time ✅

5️⃣ Short-term disability covered 60% of income (not enough for mortgage + bills) 💸

6️⃣ Emergency fund gone by month 2 💔

7️⃣ Started missing mortgage payments by month 4 🏠❌

8️⃣ House in foreclosure by month 10 😰

She beat cancer but lost her home. 💔

She survived the disease but not the financial devastation. 😢

This is why I'm so passionate about living benefits and comprehensive financial planning. 💪

Health insurance handles medical bills. Living benefits handle LIFE bills. 🛡️✨

A lump sum payment at diagnosis could have: 💰

✅ Covered her mortgage for the entire treatment period

✅ Replaced lost income

✅ Given her peace of mind to focus on healing

✅ Saved her home

October reminds us to check for cancer AND check our financial protection. 🎗️💚

Both could save your life as you know it. 💪

Ready to make sure your family is protected?

Our Money 101 class shows you how! Comment "PROTECT" below for the link to our next class! 📚✨

10/10/2025

👩 Fun fact: Women are more likely to get screened for breast cancer than to have a financial plan. 🎗️💰

We'll schedule our mammograms ✅
do our self-exams ✅
wear pink in October ✅
.. but when it comes to financial planning? "I'll get to it eventually." 🤷‍♀️

As a nurse AND financial consultant, I see this pattern constantly. 😰

We take better care of everyone else than we take care of our own financial futures. 💔

Here's the reality, ladies: 💪 📊

Women live longer than men (yay!) but that means we need MORE retirement savings. 📊

Women are more likely to take career breaks for caregiving (affecting our earning potential). 📊

Women face higher healthcare costs, especially as we age. 📊

70% of women will be solely responsible for their finances at some point.

Yet we're the LEAST likely to have: 🚫
1️⃣ Adequate life insurance
2️⃣ Retirement plans beyond a basic 401k
3️⃣ Emergency funds for medical crises
4️⃣ Living benefits for critical illness

We'll advocate for our health but not our wealth. 😢

We'll fight for good medical care but not for good financial care. Why? 🤔

This October, let's change that. 💗

Schedule your mammogram AND schedule time to review your financial protection.

Both are preventive care.

Both are self-care. Both matter. ✨

Ready to take your financial health as seriously as your physical health?

👉 Join our FREE virtual Money 101 class… class is “in session” every Monday evening!! 🙌🙌

✨Grab dinner and let’s GO! 💰

Comment “READY" for the link! 💪📚

10/07/2025

💗 October reminds us that life can change in an instant with just three words: "You have cancer." 🎗️

As a nurse, I've delivered that diagnosis more times than I can count. 😢

The shock, the fear, the immediate mental checklist of "what now?" 🤯

But here's what breaks my heart - within days, that fear shifts from "Will I survive?" to "How will we pay for this?" 💔💸

I've watched strong women choose cheaper treatments over better ones because of cost. 😰

I've seen families drain savings accounts for experimental therapies insurance won't cover. 💳

I've held hands with patients more stressed about their mortgage than their mastectomy. 🏠😢

This is exactly why living benefits exist. 🛡️✨

Living benefits are life insurance that pays YOU while you're alive when diagnosed with cancer or other critical illnesses.

Not your medical bills - those are what health insurance is for. This money is for: 💰

1️⃣ Your mortgage while you can't work 🏠

2️⃣ Groceries and daily expenses 🛒

3️⃣ Childcare while you're in treatment 👶

4️⃣ Travel to specialty cancer centers ✈️

5️⃣ Experimental treatments insurance denies 🧬

6️⃣Simply surviving financially while you focus on surviving physically 💪

Because the only thing you should be fighting is cancer - not bankruptcy. 🎗️💚

Want to learn how living benefits work?

👉 Join me every Monday evening for our FREE virtual Money 101 class! Comment "LIVING" for details! 📚✨

09/09/2025

📋 Life insurance reality check: Most people are in one of these four categories (which one are you?) 🤔

😳 Category 1: "I don't have any life insurance"

Usually because: "I'm young/healthy/single" 👶💪 or "It's too expensive" 💸 or "I'll get it later" ⏰

Reality check: Later might be too late, and you're probably more affordable than you think 💡⚡

😬 Category 2: "I have some through work" 💼

Reality check: Work coverage usually isn't enough AND doesn't follow you if you change jobs 🚫🏃‍♀️

Pro tip: Work coverage + personal coverage = better protection 🛡️✨

🤷‍♀️ Category 3: "I have some but no idea if it's enough"

Most common category! 📈 You got coverage years ago and never revisited it 📅

Reality check: Your life changed, but did your coverage? 🔄💭

💸 Category 4: "I'm paying a fortune and it's stressing me out"

You might have the wrong type or too much coverage for your current situation 😰

Reality check: Life insurance should provide peace of mind, not financial stress 😌💚

The goal isn't to have the most life insurance 🏆 - it's to have the RIGHT amount for YOUR situation. ✅💪

Which category sounds like you?

Ready to figure out your "just right" number? 🤔💡

👉 Join me on Zoom next Monday night to learn exactly how we use life insurance as a smart money strategy to protect your financial future!

✨Comment “LIFE” and I’ll send you the link! 🤩

09/07/2025

Money 101: The Smart Strategies We Never Learned in School! 💰

Join me and my team on Zoom tomorrow night (Tuesday) at 7:30 PM CST discussing the financial basics they should have taught us in school but didn't! 🤨

We'll dive into practical money strategies you can actually use - no confusing jargon, just real talk about building your financial foundation.

When: September 8, 7:30 PM CST
Where: Zoom (contact me for the link!)
Cost: Absolutely FREE

Perfect for anyone ready to finally understand money in a way that makes sense!

Comment below or send me a message to get your Zoom link! 📚✨

09/07/2025

09/03/2025

🩺 As a nurse, I've delivered devastating diagnoses to 25-year-olds. As a financial consultant, I help them prepare for the unthinkable. 💪

You know how you get annual physicals even when you feel fine? 🏥

That's preventive healthcare. Life insurance is preventive financial care. 💰🛡️

September is Life Insurance Awareness Month, and honestly? It should be every month. 📅💡

I cannot tell you how many times I've had patients ask me, "Can I still get life insurance?" after a diagnosis. 😢

The answer is often no, or it's so expensive it's out of reach. 💸😰

But here's what breaks my heart 💔 - most of these conversations could have been avoided with a simple decision made years earlier when they were healthy. ✨

Life insurance when you're young and healthy isn't just about death benefits. It's about: 🌟

1️⃣ Locking in rates that will never increase 🔒💰

2️⃣ Protecting your insurability… your ability to get coverage later 🛡️

3️⃣ Building cash value you can borrow against 📈💳

4️⃣ Ensuring your family won't struggle financially if something happens 👨‍👩‍👧‍👦💝

Think of it as an insurance policy FOR your insurance. 🧐

Because once your health changes, your options change too. ⚡

The peace of mind is worth more than the small monthly payment. Trust me on this one. 🙏💚

Questions about protecting your insurability?

Join one of our Monday Money 101 sessions where we explain everything in plain English! 🎓📚

08/22/2025

🎓 As a nurse, if I handed you a medication and said "take this but I won't tell you what it does, what the side effects are, or how it works" - you'd think I was crazy, right? 🤪💊

So why do we do this with money? 💰🤔

Most people put money in 401ks 📊, buy insurance 🛡️, make investments 📈, and sign financial documents 📋 without truly understanding how any of it works.

We just trust that someone else has our best interests at heart. 🤷‍♀️

As a nurse educator, I know that understanding leads to better outcomes. 📚✨

When patients understand their treatment plan, they are more likely to follow it and heal faster. 💪

When people understand their financial plan, they make smarter decisions and build more wealth. 💰📈

But here's the problem: the financial world speaks in a language designed to confuse us. 😵‍💫

Terms like "tax-deferred," "liquidity," and "fiduciary" aren't meant to educate - they're meant to make us feel like we need an expert for everything. 🤯

I believe every hardworking person deserves to understand exactly how their money works, where it goes, and how to make it grow. 💡

Financial education shouldn't be a privilege - it should be as basic as knowing how to balance a checkbook. ✅

That's why my team teaches Money 101 classes live on Zoom each Monday evening AND in person in a variety of locations throughout the US. 🗣️

Because when you understand how money really works, you can make it work for YOU. 💪💰

Ready to finally speak fluent "money"? 💬 Let’s chat! 🗣️