Mangram Financial Services
Live Well. Retire with Confidence.
OUR SERVICES
Our services include:
Financial Coaching*
General Financial Planning
Help identify risks and establish and prioritize goals
Help establish financial benchmarks within a finite time frame
Help you keep focused on your goals
Debt management and budgeting
Retirement Planning
Design & analyze life insurance and/or annuities for retirement purposes
Financial Independence & Early Retirement (FIRE) Planning
Insurance Product Sales or Advice
Services we don’t offer:
Investment product sales or advice
Tax preparation or advice
Real estate management or advice
*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
Booking a Financial Coaching Appointment
When you click the Financial Coaching Appointment link, you will be prompted to enter your details and to secure your appointment slot with a refundable deposit (details below).
Refundable deposit: Your deposit will be returned after you attend the scheduled appointment.
Booking a Life Insurance/Annuity Appointment
When you click the Life Insurance Annuity Appointment link, you will be prompted to enter your details to secure your video appointment slot.
No deposit is required for Life Insurance/Annuity appointments.
Cancellation Policy
If you need to cancel your appointment, we respectfully request at least 48 hours notice.
If you cancel your appointment less than 48 hours in advance, your deposit (if applicable) becomes non-refundable.
For financial coaching services, any cancellation or reschedule made less than 48 hours will count towards each client’s three no-cost coaching sessions.
Agreement
Booking an appointment indicates that you understand and agree to our Terms & Conditions, and our Disclosures (see below).
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.