Essential Trust Financial

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Essential Trust Financial We believe that the basic principal of trust is essential to a long lasting successful relationship.
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Charlotte women, let’s start the day with smarter money conversations and meaningful connections. 🍵Money & Matcha is a m...
10/15/2026

Charlotte women, let’s start the day with smarter money conversations and meaningful connections. 🍵

Money & Matcha is a morning created for ambitious women who want greater clarity and confidence with their finances.

We’ll talk about the money moves high-earning women often miss, including:

• Making the most of company stock and equity compensation
• Turning strong income into lasting wealth
• Protecting what you’ve worked hard to build
Bring your questions, nothing is too basic. This is an educational and social event with no pressure and no pitch.

📅 Tuesday, October 20, 2026
⏰ 7:30–9:30 AM
📍 Coco and the Director
100 West Trade Street, Charlotte

Connect. Learn. Build wealth.
Space is limited, reserve your seat on Eventbrite through the link in bio.

You earn well. You work hard. But is your money working as hard as you do? 🍷Atlanta, I’m coming to you. Join me for Weal...
10/13/2026

You earn well. You work hard. But is your money working as hard as you do? 🍷

Atlanta, I’m coming to you. Join me for Wealth & W**e, an evening in Buckhead for driven women who want more clarity and confidence with their money.

📅 Wednesday, October 21
🕠 5:30 to 7:30 PM
📍 Amalfi Cucina + Mercato, Buckhead

Here’s the night:
✨ Grab a drink and meet the room. The first one is on us.
✨ A 20-minute conversation on the money moves high-earning women often miss: equity compensation and company stock, turning income into real wealth, and protecting what you’ve built
✨ Open Q&A. No question is too basic.
✨ More mingling

This is for women professionals, executives, and business owners who are doing well and want to know they’re doing it right.

No pressure. No pitch. Just good conversation with great women.

Seats are limited. Register at the link in bio 🔗

Know someone in Atlanta who belongs in this room? Tag her below 👇

**e

Financial confidence doesn’t start with knowing everything. It starts with knowing where you stand.Here are three number...
10/06/2026

Financial confidence doesn’t start with knowing everything. It starts with knowing where you stand.

Here are three numbers worth checking:

1️⃣ Monthly cash flow
How much comes in each month and how much goes out? Understanding the difference helps you make intentional decisions instead of wondering where your money went.

2️⃣ Net worth
Add up what you own, then subtract what you owe. This number isn’t a judgment, it’s a starting point you can track over time.

3️⃣ Emergency cushion
How many months of essential expenses could your available savings cover? Your ideal amount depends on your income, household, responsibilities, and comfort level.

You don’t need perfect numbers today. You need a clear picture and a next step.

Save this post, choose one number, and spend 15 minutes finding yours.

Want to continue the conversation in a welcoming, judgment-free setting? Join us for Wealth & W**e in Newport Beach on Wednesday, October 14. We’ll talk about building a plan, protecting what matters, and feeling more confident with your money.

Tickets are available through the link in bio. 🍷

Trump Accounts are officially here, and they affect nearly every family with a child under 18.Here’s the short version: ...
09/05/2026

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.

💡 Women & Life Insurance: Let’s Talk About the GapNearly 44% of women say they need (or need more) life insurance — yet ...
02/18/2026

💡 Women & Life Insurance: Let’s Talk About the Gap

Nearly 44% of women say they need (or need more) life insurance — yet ownership still trails behind men.

Why?

📊 Common concerns & misconceptions:

❌ “It’s too expensive” – 42%
❌ “I have other financial priorities” – 30%
❌ “I’m not sure how much I need” – 25%

And perhaps most telling…

👉 Only 22% of women say they feel very knowledgeable about life insurance.

Not because women aren’t financially capable — in fact, 55% feel confident managing finances — but because insurance conversations are often confusing, jargon-heavy, or framed around worst-case scenarios.

Life insurance isn’t just about final expenses.

It can play a role in:

✔️ Income protection
✔️ Wealth building
✔️ Retirement strategies
✔️ Long-term security

Education changes everything.

When people understand how something works, decisions become clearer and far less intimidating.

✨ Financial literacy isn’t about selling products. It’s about expanding options.

If you’ve ever felt unsure, overwhelmed, or simply curious about how life insurance actually fits into a financial plan…

👇 What’s been your biggest question or misconception about it?

Let’s normalize the conversation.

💡 Women & Life Insurance: Let’s Talk About the GapNearly 44% of women say they need (or need more) life insurance — yet ...
02/18/2026

💡 Women & Life Insurance: Let’s Talk About the Gap

Nearly 44% of women say they need (or need more) life insurance — yet ownership still trails behind men.

Why?

📊 Common concerns & misconceptions:

❌ “It’s too expensive” – 42%
❌ “I have other financial priorities” – 30%
❌ “I’m not sure how much I need” – 25%

And perhaps most telling…

👉 Only 22% of women say they feel very knowledgeable about life insurance.

Not because women aren’t financially capable — in fact, 55% feel confident managing finances — but because insurance conversations are often confusing, jargon-heavy, or framed around worst-case scenarios.

Life insurance isn’t just about final expenses.

It can play a role in:

✔️ Income protection
✔️ Wealth building
✔️ Retirement strategies
✔️ Long-term security

Education changes everything.

When people understand how something works, decisions become clearer and far less intimidating.

✨ Financial literacy isn’t about selling products. It’s about expanding options.

If you’ve ever felt unsure, overwhelmed, or simply curious about how life insurance actually fits into a financial plan…

👇 What’s been your biggest question or misconception about it?

Let’s normalize the conversation.

Tax Season Tip: How to Get More Value From Your IRA Contributions 💰If you’re working on your taxes and thinking, “I stil...
01/29/2026

Tax Season Tip: How to Get More Value From Your IRA Contributions 💰

If you’re working on your taxes and thinking, “I still need to fund my IRA,” you’re not alone. Many people make IRA contributions right up against the tax deadline—and while earlier is better for compounding, late is still far better than never.

Here are 4 smart ways to get the most out of your IRA during tax season 👇

1️⃣ Choose the right IRA type (Traditional vs. Roth)
The key question isn’t just “Which one can I use?”—it’s:
👉 Do I need the tax break now or later?

Traditional IRA: potential tax deduction today

Roth IRA: tax-free growth + withdrawals later

High earners may still access Roths via the backdoor Roth strategy

2️⃣ Don’t overlook a spousal IRA
If one spouse isn’t currently earning income, you may still be able to fund an IRA in their name—a huge opportunity many couples miss that can double retirement savings.

3️⃣ Use contributions to fix portfolio gaps
Instead of guessing what to invest in:

Use new contributions to balance what your portfolio is missing (bonds, international stocks, etc.)

Or keep it simple with a target-date fund aligned to your retirement timeline

4️⃣ Do a quick IRA “maintenance check”
Tax season is the perfect time to:

Review old IRAs or rollover accounts

Confirm backdoor Roth conversions were completed correctly

Consolidate scattered IRAs to simplify tracking and strategy

💡 Bottom line: IRA contributions aren’t just a tax checkbox—they’re a chance to improve your long-term plan.

If you’re unsure which IRA strategy makes sense this tax year, that’s exactly the kind of question financial planning is designed to answer.

Education only. Not tax advice.

Thank you to everyone who joined us last week with and We spent time discussing how legal, tax, and financial planning...
01/28/2026

Thank you to everyone who joined us last week with and

We spent time discussing how legal, tax, and financial planning work together, walked through practical planning considerations, and addressed common questions around long-term strategy and alignment.

Always valuable to collaborate across disciplines to help families and business owners plan more intentionally.

💼 Secure Your Legacy and Financial FutureThursday : January 22nd | 5:00 – 7:00 PM | Newport Beach, CAThe next decade wil...
01/14/2026

💼 Secure Your Legacy and Financial Future

Thursday : January 22nd | 5:00 – 7:00 PM | Newport Beach, CA

The next decade will see the largest wealth transfer in history — but without intentional financial planning, much of that wealth will never reach the next generation.

Join us for an exclusive educational event designed to help professionals, families, and business owners turn financial success into lasting generational wealth.

We’ll explore:
📊 How to integrate estate planning, investment management, and tax strategy for a cohesive wealth plan
💰 The most common mistakes that derail financial legacies—and how to avoid them
📈 Strategies for preparing the next generation to grow, not just inherit, wealth
💡 The truth behind compound interest—and why Einstein called it the 8th wonder of the world
🔐 How to protect your assets from creditors, taxes, and unnecessary risk

Featuring:
💼 Samantha Dalby, Certified Financial Fiduciary — Essential Trust Financial
⚖️ Romelia “Dede” Soto, Estate Planning Attorney — Soto Law Group
📉 Nick Pardini, Wealth Management Advisor — Spearhead Advisors

📍 4041 MacArthur Blvd, Newport Beach, CA 92660 – First Floor Lounge

🕔 Thursday, January 22nd | 5:00 – 7:00 PM

🔗 Reserve Your Spot https://app.lawmatics.com/forms/share/77c9d2c2-ad49-4bbb-80f2-d925634ef777

If you want your money to work harder for you , and for your legacy to outlive you, this conversation is one you don’t want to miss.

💼 Secure Your Legacy and Financial FutureMonday, November 10th | 5:00 – 7:00 PM | Newport Beach, CAThe next decade will ...
11/03/2025

💼 Secure Your Legacy and Financial Future

Monday, November 10th | 5:00 – 7:00 PM | Newport Beach, CA

The next decade will see the largest wealth transfer in history, but without the right financial strategy, much of it could disappear.

Join us for an educational evening designed for professionals, business owners, and families who want to turn short-term wealth into long-term financial independence.

📊 How to integrate estate planning, investment management, and tax strategy for a cohesive wealth plan

💰 The most common mistakes that derail financial legacies—and how to avoid them

📈 Strategies for preparing the next generation to grow, not just inherit, wealth

💡 The truth behind compound interest—and why Einstein called it the 8th wonder of the world

🔐 How to protect your assets from creditors, taxes, and unnecessary risk

Featuring:

💼 Samantha Dalby, Certified Financial Fiduciary — Essential Trust Financial

⚖️ Romelia “Dede” Soto, Estate Planning Attorney — Soto Law Group

📉 Nick Pardini, Wealth Management Advisor — Spearhead Advisors

📍 4041 MacArthur Blvd, Newport Beach, CA 92660 – First Floor Lounge

🕔 Monday, November 10th | 5:00 – 7:00 PM

🔗 Reserve Your Spot

https://app.lawmatics.com/forms/share/5d78df8d-9f37-4f2e-909f-201ad45436f1

This is more than an estate planning talk, it’s a comprehensive roadmap for preserving, investing, and growing your family’s capital across generations.

This is your chance to take a proactive step in protecting your family’s wealth, purpose, and peace of mind.

Seats are limited—reserve yours today.

Address

4590 MacArthur Boulevard 5th Floor
Newport Beach, CA
92660

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 12pm

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