Biography
Donna McRae-Smith LLM, MSN is a Personal Financial Literacy Educator, Licensed Financial Professional and Infection Preventionist who has a passion for helping families to adopt healthy lifestyles while becoming financially educated and winning the money game.
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Donna shares education and financial strategies to help you earn more, save more and make your money work for you and create a solid financial foundation for yourself and family. She educates families on how to become tax free & risk free millionaires. The goal is to save & invest more through strategies that earn more, spend less, stay out of debt unless it’s good debt that’s increasing your net worth, retire tax-free and create generational wealth.
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For speaking appointments on financial literacy or self-improvement at your event/function, community organization (church, school, library),
civic group, foundation, business/company or professional organization, please schedule your appointment:
http://calendly.com/dmsmith-wfg or call 346-645-0043
Debt Management
As a financial professional, my role in debt management is to help clients regain control of their cash flow and reduce financial stress. I analyze current debts, interest rates, and repayment structures to create a clear, realistic payoff strategy. This process prioritizes high-interest debt while protecting essential living expenses. The goal is not just debt reduction, but long-term financial stability and freedom.
College Planning
College planning requires balancing education goals with financial reality, and I guide families through that process with clarity and foresight. I help clients explore savings strategies, tax-advantaged accounts, scholarships, and funding options that minimize student loan dependence. Proper planning protects both the student’s future and the parents’ retirement. The objective is education without financial regret.
Retirement Planning
My role in retirement planning is to help clients turn today’s income into tomorrow’s security. I assess retirement goals, timelines, risk tolerance, and income needs to build sustainable strategies. This includes optimizing contributions, investment allocation, and income planning. A well-structured retirement plan creates confidence and peace of mind.
Tax Planning
Effective tax planning is about keeping more of what you earn while staying compliant with the law. I help clients identify tax-efficient strategies, deductions, and account structures aligned with their financial goals. Planning ahead reduces surprises and increases long-term wealth accumulation. Smart tax decisions compound over time.
Wealth and Asset Accumulation
Wealth and asset accumulation require intentional planning, discipline, and the right financial tools. I work with clients to design strategies that grow assets while managing risk and volatility. This includes aligning investments with both short-term and long-term objectives. The focus is sustainable growth, not speculation.
Mortgage Protection
Mortgage protection ensures that a family’s home remains secure, even during unexpected life events. I help clients evaluate protection strategies that safeguard their home and loved ones. This planning prevents financial hardship during times of loss or disability. Protecting the home means protecting stability.
Final Expense Planning
Final expense planning removes financial burden from loved ones during emotionally difficult times. I assist clients in preparing for end-of-life costs with dignity and foresight. Proper planning prevents families from taking on unexpected debt. It is an essential part of responsible financial preparation.
Estate Planning (Wills and Trusts)
Estate planning ensures that assets are distributed according to your wishes and values. I help clients understand wills, trusts, and beneficiary planning to protect their legacy. This process reduces legal complications, delays, and unnecessary taxes. Thoughtful estate planning brings clarity and control.
"Do not save what is left after spending; instead spend what is left after saving."
- Warren Buffett
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