Michael R. Acosta, CFP®, ChFC®, CSLP®
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All 50 States
I love working with women because they have some of the most difficult life long milestones and risks that should be addressed but are often overlooked. Let's consider the following...
Most women will at some point in their life achieve a higher education and start their professional career (not always). They begin to build their life as a young professional saving for retirement, addressing debts, saving for a home, etc. and often will down the road look to adjoin themselves to a partner through the act of Holy Matrimony. At that time one of two things happen, (1) they consolidate their finances with their spouse and often will take a backseat to managing the finances deferring to their spouse, or (2) they'll continue to manage their finances separately. Fast forward some time and they might aspire to starting a family. At that time women will experience a gap in their professional careers due to maternity leave and/or taking on the most difficult role of #homemaker while their child(ren) grow from newborn to age 6 or so when they enter kindergarten. This timeline can continue to be adjusted if the family continues to "reset the clock" by adding more children to the mix.
As you can see women have more variables to account for and gain this isn't set in stone across the board for all women. What we haven't talked about or situations like:
Again, these risks are generalized for many and I recognize that these individuals that do go through these experience could benefit greatly from being partnered with a trusted fiduciary and resource that has their best interest at heart.
Hi, I’m Michael R. Acosta. With over 9-years of experience in the finance industry, I have focused on helping others create better habits around managing their personal finances to increase the odds of achieving their personal goals.
My clients understand that their responsibility is to continue building their wealth and my responsibility is to help them protect it at all cost. I educate others through having compassion for where they are today and provide them with options on how to achieve their goals personally, professionally, and financially.
By focusing on what we can control today we are able to build an individualized strategy that is not dependent on uncontrollable factors or assumptions, allowing our clients to live the life they love and desire.
My wife Blair and I cherish spending time with family and friends and supporting our communities establishments. We are active members at Our Lady of Grace Catholic Church in Lancaster, SC where I am a 4th degree member of the Knights of Columbus.
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Financial Advisor and Registered Representative of Park Avenue Securities LLC (PAS). OSJ: 6115 Park South Drive, Suite 200, Charlotte, NC 28210. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America®(Guardian), New York, NY. Park Avenue Securities is a wholly owned subsidiary of Guardian. Consolidated Planning, Inc. is not an affiliate or subsidiary of PAS or Guardian. CA insurance license # 0M50974. Guardian and PAS do not offer student loans to finance education nor do they offer legal to tax advice. 2023-158562 Exp. 7/25
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