Our Platform
theFinancial411 provides financial assessment, guidance and oversight to women and families using an integrated, unique platform. Developed from 20 years of highly qualified experience, we offer Financial Literacy and Financial Education through an unbiased, sales-free approach. Dedicated and resourceful, theFinancial411 specializes in working with all levels of financial experience and complexity, including, a single financial decision, complex family finances, navigating unfamiliar financial transitions, disciplined portfolio diagnostics and qualified opinions for your next steps. theFinancial411 uses a personal process to fit your individual needs allowing you to take control of your financial planning. We advocate a comprehensive team method and our work is easily integrated with that of other existing advisory relationships.
Our Process
Where do I start? What are my options? How will I know what questions to ask?
theFinancial411 helps clients become more informed, confident and engaged in the financial process with measurable and objective results. The basis for our strategic and tactical guidance is a customized evaluation specific to your situation. With focused attention on your specific needs, we create an individualized blueprint clearly outlining the steps necessary for your educational process. theFinancial411 works closely with wealth managers, trust officers, CPA's, and attorneys and is unique in introducing our clients to best-of-class professionals to complete their advisory team. We bill on an hourly basis. Telephone and e-media consultations are available.
Our Vision
Our objective is to help you realize the optimum experience and results in your financial lives.
The 411
Whether you are suddenly the sole financial decision-maker, a professional woman with little time for research, a couple involved in a marital dissolution, a newly single woman needing help setting up a cash flow and budget system or are preparing for the Financial Gatekeeper role due to a pending shift in wealth circumstances, theFinancial411 will address your concerns, promote security and answer the following questions on many women’s minds regarding wealth management.
- How do I manage my cash flow efficiently?
- How do I find the right advisor?
- How do I know what questions to ask?
At theFinancial411 we believe that every woman should be prepared for the different turns life takes. With no pressure to be a “financial expert”, we offer security in the form of education. Financial Literacy is the key to engagement and empowerment in handling money matters and decisions, no matter how large or small your personal situation.
It’s Your Money, Own It!
According to the Women Cents Study developed by the National Center for Women and Retirement Research, fear of failure and fear of the unknown are the biggest obstacles to a woman’s financial success. Of those who participated in the study 74% say they lack knowledge about how to select financial instruments, more than half are afraid of making a mistake, only one in four consider saving and investing for retirement a top priority and an astonishing 88% choose extremely conservative savings methods that ultimately undermine their financial security.
Developed from 20 years of highly qualified experience we offer Financial Literacy and Financial Education providing a full spectrum solution that includes financial assessment, guidance and oversight to women and families using an integrated, unique platform.
Financial Literacy benefits include,
- Overall financial understanding, fluency and savvy
- Become informed, empowered decision makers
- Obtain a lasting quantifiable and comprehensive skill set
- Interview, evaluate and choose an advisory team
- Develop critical financial thinking
- Participate with family financial assessments and choices
Women in Transition
Whether it’s a change in your career, an inheritance, buying or selling a business, or the loss of a spouse life transitions are often overwhelming. While we cannot always control life’s challenges, we are able to develop the necessary skills to make transitional times easier to navigate.
For over twenty years, theFinancial411 has been assisting clients through major life transitions. Teresa Dentino, Founder, was one of the first in the financial industry to recognize the unique issues women faced with financial comprehension, decision-making, investing and life transitions. Based on strong credentials, sophisticated industry knowledge, and a sales-free platform with no affiliation to investment firms, theFinancial411 created the first educational programs and presentations that aimed to educate women who are in the position of wealth inheritance, job change, marital dissolution, and estate management.
Through a compassionate, interdisciplinary and proactive atmosphere, Teresa has developed a step by step model for taking control of your financial situation and planning that is easy to navigate yet strategic and tactical. theFinancial411 will answer the overwhelming questions that often arise while in the midst of transitional times, such as; “Where do I start?”, “How do I manage my cash flow?” and “Where do I go from here?”
Whatever your type of transition, theFinancial411 will simplify your situation through education and empowerment.
Wealth Inheritance - While wealth inheritance is often a blessing, it can also present challenges. Even to the most sophisticated, an inheritance or new wealth from professional achievement can bring a new layer of complexity to financial planning. Along with new tax issues there may be a need for additional specialists and advisors. TheFinancial411 will empower you to make confident decisions.
Marital Dissolution - At one of the most difficult times in our lives it is also the most critical when it comes to making the right financial decisions. It is crucial to have a functional level of financial literacy to protect your future security. Our model takes a new approach to instilling this fluency in a quick but concise way that will mitigate your anxiety and fear. We will teach you how to analyze various scenarios that illustrate your future financial picture and work with you on creating your future financial blueprint that assures comfort and safety for your new life.
Loss of a Spouse - There are multitudes of decisions that accompany the transition to the role of financial gatekeeper, and they must be made when we are most debilitated from grief. Even in the best of cases where your loved one has adequately planned, you will need to understand your options and learn how to make the proper decisions that will affect your future financial security. Our model will help you develop financial comprehension in a quick and tactical way.
Wealth Transfer - Financial discussions with family members are crucial but not often easy. Whether it is about contingency plans, dialogues with aging parents, intergenerational transfer choices or teaching children money management skills it is imperative to have a comfortable level of financial fluency. TheFinancial411 will educate you on how to discuss such important topics as Estate planning, Estate management, complicated tax issues, philanthropy, correct money behavior and financial organization.
Career Transition - Career changes and promotions are an ideal time to attend to retirement planning. A review of past and present choices or benefits can make a difference in determining your portfolio efficiency, security and long-term performance.
