FAQ

We employ a number of creative ways to optimize the living and death benefits of the insurance policies that we design. This is rare in the business. Get in touch with us so that we might analyze your current insurance policies to  determine if you are getting the absolute best benefits out of your policies. 

At Mangram Financial Services, we live what we speak. We believe an attitude of abundance (rather than of scarcity) and generosity are at the root of financial wellness, so we apply those same attitudes to our work with you.  On the practical side, we own most of the products we recommend, we have used the financial tools ourselves to retire early, and we are good stewards of our own monies. 

Absolutely no charge to the client. MSF is paid through commissions on the sale of each life insurance/annuity product from the insurance companies. We are an independent agency, so we only recommend companies that are a good fit for you and your needs. 

MSF offers up to 2 no-cost financial coaching sessions to each household.  If you have found our coaching services valuable, please consider buying me a tea through the link provided at the bottom of the page and referring your family and friends who are serious about pursuing financial wellness. 

• • If you need to cancel your appointment, we respectfully request at least 48 hours notice.

  • If you cancel your coaching appointment less than 48 hours in advance, your deposit becomes non-refundable. 

  • For financial coaching services, any cancellation or reschedule made less than 48 hours will count towards each household’s two no-cost coaching sessions.

  • Agreement

    • Booking an appointment indicates that you understand and agree to our Terms & Conditions and understand the Disclosures.

Mangram Financial Services | Privacy Policy

Effective Date: February 1, 2026

At Mangram Financial Services, we take your financial privacy seriously. This policy outlines how we handle the information you provide when you subscribe to our newsletter.

1. Information We Collect

We only collect the information necessary to deliver our newsletter and provide you with a personalized experience. This typically includes:

• Your Name

• Your Email Address

• Interaction data (such as which articles you click on) to ensure we are sending you content you actually find valuable.

2. How We Use Your Information

Your information is used exclusively to:

• Send you our financial literacy newsletters and updates.

• Respond to your inquiries or "Strategy" requests.

• Improve the quality of our content based on reader interests.

3. Our Strict "No-Share" Guarantee

We believe your data is your own. We do not—and will never—sell, rent, or share your personal information with any third-party companies, marketers, or affiliates. Your data stays within Mangram Financial Services.

4. Third-Party Service Providers

The only time your information is processed by another party is through our secure email service provider (e.g., Mailchimp, Beehiiv, or Substack) solely for the purpose of technical delivery. These providers are contractually prohibited from using your data for any other purpose.

5. Your Choice (Opt-Out)

You are in control. Every email we send includes a clear "Unsubscribe" link at the bottom. You can opt out at any time, and we will immediately stop sending you communications.

6. Contact Us

If you have any questions about this policy or how we protect your data, please reach out to us directly by replying to any of our emails.