Karie Pate-Valdes, KM Financial Solutions

07/31/2026

If you have seen any of my drawings you know I am not a natural Artist 🤣

However, I ran through the most common issues for clients when we do a quick audit. To be clear this was from a couple very thorough audits and you don't need to get down to the little details of bank fee's etc... Or should you?!

I often say it is not that coffee that stops you from retiring; however, how much impact is the 2-4x wkly x 20 years latte..(or snacks) effecting your financial future?!

If you are looking to have better clarity on where your money is going today and make sure you are prepared for tomorrow, call/dm "budgetaudit"

07/30/2026

This is gonna be amazing!

We're getting ready for this morning's meeting! 💗

We'll be gathering from 8:30–10:00 AM at COhatch Downtown Lakeland for networking, coffee and a live Q&A with Lyndsey Bechard of Bechard Bookkeeping. Bring your bookkeeping questions—we're looking forward to a great conversation!

📍 Parking Reminder:
✔ Street parking is FREE until 9:00 AM
✔ You receive 2 hours free total, so you're covered until 11:00 AM

🚫 Please avoid the bank lot across the street and any lots marked 717 Parking unless you plan to pay immediately.

We'll see everyone soon! And don't forget—we're collecting school supplies for our August School Supply Drive. 💗

06/09/2026

Did you know?

Pretax accounts like a Traditional IRA or a pretax 401k are tax benefit accounts, and the benefit is real. You are not taxed on that money the year you earn it, which lets more of it stay invested and grow.

The key is just knowing how the benefit works. It is a deferral, not a forgiveness. The tax was not erased, it was moved to later. So when that money comes back to you in retirement, it comes back as taxable income. That is not a downside. It is just part of the plan.

Here is where it gets even better. You do not have to pick only one. When you also build up after tax money in something like a Roth, that money grows and comes out tax free in retirement, once you are past 59½ and the account has been open at least five years. So now you have both a taxable bucket and a tax free bucket to pull from.

That mix is what gives you control. You decide which bucket to draw from each year, and you keep more of your money working for you instead of handing it to taxes.

That is what we map out in a Dream Plan Session. Where your money is, how it is set up, and how to build both buckets so retirement gives you options.

Grab a time here: calendly.com/kariepatevaldes/dream-plan-session

In your corner,
Coach Karie 💛

04/11/2026

🔥How do you fight your Financial Future?!

The first step to winning any fight is to get in the game!

First, understanding How Money Really Works! (Learning of how to win the fight)

Second, understanding your own financial health with a Financial Needs Analysis (FNA)

Third, implementing a clear game plan that will set up a strong foundation to protect today and ensure tomorrow at the same time!!

Bonus: enjoy this lifetime & create generational wealth!! When we know better we can do better!

If you want the right gear and tools to win Your Fight, let’s put together your free Financial game plan!






04/05/2026

Happy Easter to All of family, friends, Facebook peeps!! To everyone whether we grew up together or just met at a networking event; I pray that you spend this Easter in your favorite way and get to share it with your closest loved ones!!

04/03/2026

When the world around you acts like and says "Whoever" has to look a certain way, speak a certain language, live on the right side of the tracks... Remember Whoever you are, Your creator loves and created You and the opposite of you.

Jesus is the best teacher when is comes to Diversification!

Love Your Neighbor As YourSelf.