Diamond Pointe Financial

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Diamond Pointe Financial Boutique financial planning for women and professionals. Personalized plans built with timeless strategies and a modern approach.

Sophisticated financial planning with a human touch. Diamond Pointe Financial helps women, professionals under 60, and those navigating major transitions take control of their financial future—with timeless strategies, modern tools, and expert insight from founder Christiana Lovelace. Whether you’re rebuilding, planning for retirement, or growing your wealth, our boutique approach is designed around you. Because financial confidence isn’t just about numbers - it’s about clarity, purpose, and freedom.

10/15/2026

Executive compensation can come with some incredible opportunities, but also some complicated decisions.

Deferred compensation, RSUs, stock options, and specialized insurance benefits can all have implications that extend well beyond your paycheck.

Some decisions have deadlines. Others can be difficult, costly, or even impossible to reverse.

Too often, people seek advice after they've made a decision, when their options are already limited.

If your compensation is getting more complex, work with someone who understands how the pieces fit together.

The best time to understand your options is before you make the decision.

Give Your Tax Strategy a Year End Checkup.Checklist:- Realized Gains & LossesWhat has happened in taxable investment acc...
10/15/2026

Give Your Tax Strategy a Year End Checkup.

Checklist:
- Realized Gains & Losses
What has happened in taxable investment accounts?

- Income
What income has been received, and what may still be coming?

- Charitable Giving
Are there gifts you intended to make this year?

- Retirement Accounts
Are there contributions, distributions, or other strategies to review?

- Business Opportunities
Are there year end decisions to discuss with your tax professional?

April is for filing. Year end is for planning.
By the time a tax return is being prepared, December 31 has already passed.
Some tax planning decisions generally need to be evaluated or completed during the tax year.

10/14/2026

It reminds me of the toy magazines we used to get as kids.

Should you convert money to a Roth?Maybe.A Roth conversion generally means moving money from a pretax retirement account...
10/14/2026

Should you convert money to a Roth?
Maybe.

A Roth conversion generally means moving money from a pretax retirement account into a Roth account and recognizing taxable income in the process.

Whether that makes sense can depend on:
- Your current tax bracket
- Expected future income
- Other taxable income this year
- The amount being converted
- Your time horizon
- Future distribution needs
- Estate planning goals
- The cash available to cover the resulting tax liability

A Roth conversion can be a valuable planning tool.
The strategy comes from understanding how it might support the broader plan.

10/13/2026

Tax filing happens in the spring.
Tax planning happens now.

Before year end, this is the time to review decisions that may still be available to you, including Roth conversions, charitable giving, and your realized and unrealized investment gains.

It is also a good time to look at your income for the year and understand how the pieces are coming together.

Because when it comes to taxes, the last thing I want for my clients is a surprise.

Planning ahead gives you time to understand your options before the calendar makes the decision for you.

Taxes do not exist in isolation.The way you earn income, invest, give, structure a business, use different account types...
10/13/2026

Taxes do not exist in isolation.

The way you earn income, invest, give, structure a business, use different account types, and eventually transfer assets can all have tax consequences.

That is why tax strategy should be considered alongside the rest of your financial plan, not only when it is time to file a return.

The goal is not to make every financial decision based on taxes. It is to understand the tax impact before making the decision.

Good planning connects the pieces.
Tax considerations vary by individual situation. Consult your tax professional before implementing tax strategies.

Tax season is when most people start thinking about taxes.The problem?By then, many of the decisions that could have aff...
10/12/2026

Tax season is when most people start thinking about taxes.
The problem?
By then, many of the decisions that could have affected the prior year have already been made.

Tax planning can involve decisions around investments, income, charitable giving, retirement accounts, business activity, and other areas of your financial life.

Your return tells you what happened.
Your tax strategy helps you plan what happens next.

First, let’s retire the word “should.”Pun intended. 😉There isn’t one answer that works for everyone.Instead of looking a...
10/08/2026

First, let’s retire the word “should.”
Pun intended. 😉

There isn’t one answer that works for everyone.

Instead of looking at the mortgage balance alone, consider four things:

- Cash Flow: Can your retirement income comfortably support the monthly payment without compromising other priorities?

- Interest Rate: Having a low rate may change the conversation about whether using a large amount of cash to eliminate the debt makes sense.

- Liquidity: Paying off a mortgage can reduce monthly expenses, but it also moves money from liquid assets into home equity.

- Your Overall Plan: Consider your taxes, investment assets, income needs, other debt, and long-term goals.

Not having a mortgage can feel good, but the goal isn’t to retire without a mortgage.
The goal is to enter retirement with a financial structure that works.

Sometimes paying it off supports that structure.
Sometimes keeping it does.

Retirement doesn’t have to mean going from full speed to a full stop.Some people dream of closing the door on work compl...
10/07/2026

Retirement doesn’t have to mean going from full speed to a full stop.
Some people dream of closing the door on work completely.
Others prefer to gradually reduce their hours, consult, start something new, or simply keep working because they enjoy it.

What does your ideal transition look like?

Address

110 3rd Street NW
Hickory, NC
28601

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

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