Mangram Financial Services 

Live Well. Retire with Confidence.

OUR SERVICES

Our services include: 


Services we don’t offer:

*Your first 3 coaching sessions are free! 

(That's a value of $450)

See terms & conditions 


ABOUT US

Charmaine Mangram, PhD

Licensed Life and Health Insurance Producer


After over 20+ years as a mathematics educator and researcher, Charmaine left academia to establish Mangram Financial Services as a way to more directly use mathematics to support Americans from lower and middle income communities to experience financial wellness.  She discovered her talent and passion for the financial services industry while working with her own financial advisor to modify her household’s Financial Independence Retire Early (FIRE) plan. Since attaining financial independence, Charmaine’s goal for this next chapter of her life is to inform and empower as many regular folks as she can about the principles and concepts of financial independence. She wants people who have similar backgrounds and experiences as herself to see that financial independence is possible for people from all walks of life not just the super rich or those who have high paying jobs. 

"I did not allow my modest teacher's salary to prevent me from attaining my dream of financial independence."

TERMS & CONDITIONS

TERMS & CONDITIONS

DISCLOSURES

Charmaine Mangram is an insurance agent and is licensed in Texas and Hawaii. From time to time, she will offer clients advice or products from those activities. Approximately 50% of her revenue results from commissions from the sale of insurance products. Charmaine Mangram receives commissions from insurance companies on the products she sells. 

These practices represent conflicts of interest because it gives Charmaine Mangram an incentive to recommend products based on the commission amount received. This conflict is mitigated by disclosures, procedures, and our ethical obligation to place the best interest of the client first and clients are not required to purchase any products. Clients have the option to purchase these products through another insurance agent of their choosing.