SERVICES

Over the years, Mangram Financial Services has helped families move from financial uncertainty to a legacy of abundance. My approach bridges the gap between high-level strategy and practical tools. While I do not manage portfolios for you, I provide the specialized financial coaching and protection systems you need to manage your own with confidence. I am here to help you Grow Your Orchard so you can Live Well and Retire with Confidence

Financial Coaching (Paths 1 & 2): Cultivating Your Path to Financial Independence

A thriving orchard requires more than just seeds; it requires healthy soil, proper irrigation, and deep roots. Most people approach their finances by "scattering seeds"—random accounts and goals—without a plan for a cohesive harvest.

I help you move from scattered seeds to a structured system for growth. Whether you are clearing weeds to plant your first row or pruning an established landscape, my coaching provides the nurturing stewardship you need to thrive.

How we begin: Every successful orchard starts with a survey of the land. We begin with a 45-minute Discovery Call to identify your hurdles and determine which coaching path fits your current season.

Book Your Discovery Call

Wealth Protection (Path 3): Securing Your Orchard’s Legacy

Just as an orchard needs fencing and shelter from the storm, your financial legacy requires thoughtful protection. While coaching focuses on growth, the Wealth Protection Path is about fortifying your established harvest against unforeseen seasons.

This path is designed for those focused on ensuring their wealth endures for generations. If your priority is to secure assets or plan a seamless inheritance, we offer specialized insurance and annuity strategies that act as a robust shelter for your family's future.

How to Secure Your Harvest: If you are ready to safeguard your legacy, you may schedule a direct consultation for Wealth Protection solutions. Together, we will identify the best strategies to preserve the fruit of your labor long-term.

Explore Wealth Protection Solutions

Which Path is Right for Me?

Choose "Foundations" if...

You feel like you're living paycheck-to-paycheck.
You have high-interest debt (credit cards, etc.).
You aren't sure where your money goes each month.
You haven't started investing yet.
Goal: To clear the weeds and plant the first row.

Choose "Growth" if...

Your basic monthly expenses are fully covered.
You are debt-free or only have low-interest "good debt."
You have a solid grasp on your cash flow.
You are already investing but want to optimize.
Goal: To prune the trees and design the harvest.

Choose "Protection" if...

You have assets to lose: You’ve moved past the "planting" phase and now have a family, a home, or a business that requires a "fortress" around it.
You want a "Permanent Harvest": You are looking for income strategies that you can never outlive, regardless of what the stock market does.
You are thinking about Legacy: You want to ensure that if something happens to you, your "Orchard" stays in the family and continues to provide for them.
You need "Weatherproofing": You’re tired of the anxiety of market volatility and want to shift a portion of your wealth into guaranteed, stable environments.
Your focus has shifted from "How much can I make?" to "How much can I keep?": You are ready for the hardware (Life Insurance & Annuities) that locks in your success.

Your Investment

Trust-Based Sliding Scale (Paths 1 & 2)

To ensure we have the necessary time to observe your progress and nurture growth, coaching is conducted in 3-session bundles. We offer a Shared Harvest pricing model to ensure professional guidance is accessible to all.

Community Rate: $150 per bundle Reserved for those currently navigating financial hardship or significant debt. (Access via Discovery Call).
Steward Rate: $350 per bundle Our standard rate for those establishing their roots or pruning for growth.
Legacy Rate: $450 per bundle Designed for those with a stable harvest who wish to "seed" the Community Fund.

Our Shared Commitment: Mangram Financial Services shares in the cost of our community’s growth by matching the "seed" contributions from every Legacy Rate bundle. Together, we ensure the Community Fund remains available for those in a difficult season.

Wealth Protection (Path 3)

Our Wealth Protection solutions involve no out-of-pocket costs to the client. Compensation for these specialized insurance and annuity tools is handled via commissions paid directly by the insurance carriers. We are committed to ensuring you understand exactly how our partnership works before we ever begin.

The Enrollment Path

A Note on Flexibility: To keep our digital "checkout" simple, my booking platform defaults to the Steward Rate ($350). If you are in a season of abundance and wish to reinvest in the orchard’s mission, you may opt-in to the Legacy Rate during checkout.
Maintaining Momentum: To ensure we provide the consistent care your financial orchard needs to thrive, all 3-session bundles must be completed within 180 days of purchase. This window allows us to work at a pace that honors your season while ensuring your progress doesn't stall.
Accessing the Community Rate: If you require the Community Rate ($150) to get your seeds in the ground, please book your Discovery Call first. We will discuss your goals, and I will provide the private enrollment link for that path—no questions asked.

Wealth Foundations

Clearing the land and establishing your financial roots. This path is designed for those navigating debt or seeking a clear grasp on their cash flow. Most clients find that two bundles allow for the necessary observation time to see real-world results.

The 3 "Foundations" Phases:

Phase 1: Clearing the Ground (Cash Flow & Awareness) We begin by identifying where your "seeds" are currently going. We’ll find the hidden leaks in your monthly spending, set up a simple "survival budget," and establish an immediate cash reserve. We stop the cycle of "waiting for the next paycheck."
Phase 2: Setting the Grid (Debt & Protection) In our second session, we build the fences. We’ll create a customized "Debt Exit Map" to stop high interest from eating your growth and ensure you have the basic protection (insurance and emergency funds) to survive a "bad season" without losing your progress.
Phase 3: Planting the First Rows (Future Vision) The final session is about the future. We move from surviving to thriving by setting up your first investment vehicles. We’ll demystify the "jargon" and ensure you leave with a clear, automated system that grows your orchard while you sleep.

Wealth Growth

Pruning your strategy and preparing for a bountiful harvest. This path is for those with an established landscape looking to optimize retirement trajectories and protect assets. Most clients find that one bundle provides the precision needed to refine their strategy.

The 3 "Growth" Phases:

Phase 1: Pruning for Growth (Optimization) We begin by auditing your current landscape. We’ll look at high-level cash flow, identify tax-efficiency "leaks," and fine-tune your automation. The goal is to ensure your money is working as hard as you are, with zero wasted effort.
Phase 2: Deep Roots (Structural Strategy) In our second session, we move into the "weatherproofing" of your wealth. We’ll analyze your asset allocation, insurance "fences," and employer benefits to ensure your foundation is structurally sound and protected against market seasons.
Phase 3: The Harvest Map (Wealth Independence) The final session is about the fruit. We’ll build your specific "withdrawal strategy" or retirement map. We move from theory to reality, ensuring you have a clear, documented path to turning your savings into a sustainable, lifelong paycheck.

Wealth Protection

This path is designed for those who have built their orchard and are ready to install the permanent infrastructure that ensures a lifetime harvest. We help our clients understand the value of using "Safe Money" insurance products to form the bedrock for their retirement and legacy plans. We use the term “Safe Money Products” to refer to low risk, financial products sold by an insurance company, such as cash value life insurance and annuities, that allow for principal protection and growth. As with any financial tool, safe money products have some risk, so you want to be sure you talk to a financial professional to help you understand the risks before purchasing any product.

Whether you are just preparing the soil or ready to secure your harvest, Mangram Financial Services provides the nurturing stewardship to ensure your orchard thrives in every season.

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