Samantha Dalby , Certified Financial Fiduciary

09/09/2026

https://www.facebook.com/EssentialTrustFinancial/posts/pfbid0aTx8QuWrjx98kt3zqa4CGVozqj8fb9manmFUAn9bsMPZXTZFk6yxNiBcZSeCuFsjl

Trump Accounts are officially here, and they affect nearly every family with a child under 18.

Here’s the short version: any child under 18 with a Social Security number can now have a Trump Account opened for them. It works like a Roth IRA for kids, with contributions invested in low cost U.S. stock index funds and growth that’s tax deferred until the funds are withdrawn.

If your child was born between January 1, 2025 and December 31, 2028, the federal government adds a one time $1,000 seed deposit. Families can then contribute up to $5,000 a year on top of that.

I’m hosting three complimentary virtual sessions this month to walk through how these accounts work, who qualifies for the $1,000, the contribution and investment rules, and how a Trump Account fits alongside a 529 plan or your broader financial picture.

Pick the time that works for you:
Wednesday, September 16 at 12:00 PM PT
Tuesday, September 22 at 6:00 PM PT
Thursday, September 24 at 10:00 AM PT

All sessions are virtual, complimentary, and open to any parent or grandparent who wants clarity before making a decision. Link in bio to register.

This session is educational only and is not tax or legal advice.

06/04/2025

Most people overestimate the cost of term life insurance — or avoid looking into it because it feels complicated.

But it doesn’t have to be. Whether you're starting a family, buying a home, or simply wanting to protect the people you love, term life insurance can be one of the most cost-effective ways to build financial security.

This calculator gives you a quick idea of what coverage might cost based on your age and basic health info:
🔗 https://lifelink.simplicitygroup.com/agent/dalby-11671?product=mpt

It’s a helpful starting point if you're thinking ahead — no need to guess or put it off.

A new, all-digital way to sell life insurance policies, help your clients, and work more efficiently.

04/14/2025

You’re earning more than ever — but true financial peace still feels out of reach. If market swings, job volatility, or rising lifestyle costs have you questioning your next move, this workshop is for you.

Join us for a high-impact financial literacy session designed specifically for HENRYs (High Earners, Not Rich Yet) — professionals earning strong incomes but unsure how to translate it into lasting wealth and confidence.

In this 60-minute, actionable session, you’ll learn:

✅ Why high income doesn’t guarantee financial independence
✅ How to build a volatility-resistant financial plan
✅ Key tools the wealthy use to protect and grow wealth
✅ The smart way to invest during uncertain times
✅ How to think like a CFO of your own life

We’ll also walk through a real-life case study of a $400K household feeling financially stuck — and the exact moves they made to get unstuck.

🎁 All attendees will receive a downloadable Stability Blueprint and an exclusive opportunity for a free one-on-one strategy call.

📅 Date & Time:
Thursday : April 5th @ 5 PM

📍 Location:
Zoom link provided upon registration

🎟️ Ticket Price: $20
Your financial peace of mind is worth the investment — and this workshop is the first step to reclaiming control and confidence.

04/14/2025

➡️ Making a great income doesn’t guarantee financial security.

In fact, many high earners unknowingly make costly mistakes that delay their goals, increase their tax bills, and put their families at risk.

After working with professionals, entrepreneurs, and executives, here are the 5 most common financial mistakes high earners make — and how to avoid them:

💥 1. No Tax Strategy
Most high earners overpay the IRS simply because they’re unaware of legal strategies to reduce their liability.
👉 Consider: Roth conversions, tax-efficient portfolios, and strategic use of insurance.

💥 2. Delaying Life Insurance & Estate Planning
No one likes to think about the unexpected — but waiting too long can leave your loved ones unprotected.
👉 Lock in affordable coverage early and review your estate plan regularly.

💥 3. No Comprehensive Financial Plan
Disjointed savings, investing, and insurance products often work against each other.
👉 Build a coordinated roadmap that aligns with your lifestyle, values, and goals.

💥 4. Overconcentration in Cash or Company Stock
Too much liquidity or faith in your employer’s stock can expose you to unnecessary risk.
👉 Diversify across asset classes and tax treatments.

💥 5. Ignoring Lifestyle & Retirement Design
You’re working hard now — but what are you building toward?
👉 Define your ideal life and reverse-engineer the financial plan to support it.

✨ Want the full breakdown + actionable steps?
Download the free guide:
“5 Financial Mistakes High Earners Make — And How to Avoid Them”

📥 DM me the word “GUIDE” and I’ll send it directly to your inbox.

04/14/2025

📉 Market drops feel like a gut punch—but they don’t have to wipe you out.

If recent volatility has you wondering how to protect your portfolio going forward, you’re not alone.

More business owners and investors are asking: 👉 “How do I reduce risk without missing out on growth?”

There are real strategies that help:
✅ Diversification beyond just stocks
✅ Tax-efficient repositioning
✅ Downside protection tools

The right approach depends on your goals, timeline, and risk comfort—and it’s not one-size-fits-all.

Want to stress-test your current portfolio?
Let’s take a look together.

📲 DM me

04/14/2025

💰Protect your wealth when the market gets wild.

📉Downside protection isn’t just a luxury — it’s a necessity. With volatility shaking up the markets, diversification helps ensure all your eggs aren’t in one basket.

👈🏼Here’s the truth:
You don’t need to time the market perfectly — you need a plan that absorbs the punches and still keeps moving forward.

🎖️Smart investors focus on:

-Asset classes that zig when others zag

-Protection strategies that limit drawdowns

-A long-term game that builds confidence, not chaos

📲Let’s chat about how your portfolio is built to weather the storm — or if it needs a few reinforcements.