Financial independence is an integral part of a comfortable retirement. Therefore, investing in strategies that guarantee a consistent income stream in retirement is crucial. In this article we will explore the benefits of annuities. […]
As we look into 2024, predicting the trajectory of mortgage rates has never been more critical for prospective homebuyers. Understanding the factors influencing these rates and how they may play out can help potential homeowners make informed [...]
Wealth preservation is essential for many individuals but warrants a specific focus for those nearing retirement. Understanding the complexities of wealth preservation is crucial, particularly for pre-retirees. Today’s pre-retirees may need a more detailed retirement plan, whether [...]
Launching a budding startup is an exciting venture that offers plenty of potential rewards but also risks. However, it’s a complex process that requires careful planning and preparation. As an entrepreneur, your confidence largely depends on your [...]
Retirement brings many significant lifestyle changes, shifting daily routines, and adjusting financial patterns. This stage of life also presents an opportunity to reassess one’s contributions to society. Retirees often consider how much to give to charities now [...]
Spring brings warmer weather, blooming flowers, and more time spent outside. However, a change in season may bring a different type of storm that can cause just as much chaos and unpredictability- market volatility. Spring thunderstorms and [...]
Spring is known as the prime home buying season. The warmer weather, blooming flowers, and longer days make it the perfect time to start the search for a new home. […]
Earth Day is observed annually on April 22nd, raising awareness and inspiring actions toward preserving the environment. This day typically focuses on reducing plastic waste and conserving energy. However, it is also an opportune time to discuss [...]
April is recognized as Financial Literacy Month, aiming to promote financial education and awareness among individuals. Reflecting on one’s financial habits and learning ways to improve them is crucial. […]
With the rise of automation, artificial intelligence (AI), and the gig economy, the workforce is transforming significantly. As we move towards the new decade, businesses and individuals must understand the future of work and prepare accordingly. [...]
For a complimentary copy of Navigating Medicare and Medigap Insurance, complete the form below.
For a complimentary copy of A Short Introduction to Long-Term Care, complete the form below.
For a complimentary copy of Legacy & Estate Planning–Understanding the Basics, complete the form below.
For a complimentary copy of Federal Employee's Guide to Retirement, complete the form below.
For a complimentary copy of How to Exit Your Business and Enter Retirement, complete the form below.
For a complimentary copy of Tips to Help Avoid "Market Panic" Reaction, complete the form below.
To receive a complimentary copy of Principles of Retirement Planning, complete the form below.
For a complimentary copy of 6 Real Financial Risks You Could Face in Retirement, complete the form below.
For a complimentary copy of Maximizing Social Security: What You Need to Know to Get the Most Out of Your Benefit, complete the form below.
For a complimentary, no-obligation Retirement Review, complete the form below.
Office Manager
Lorem ipsum odor amet, consectetuer adipiscing elit. Consectetur etiam orci dui, aptent venenatis ultricies. Fusce proin eu sociosqu vestibulum potenti mattis. Ridiculus proin penatibus porttitor ligula luctus mi. Nulla aliquet tellus etiam magnis laoreet velit. Montes ridiculus elementum vehicula nullam phasellus habitant sagittis. Varius malesuada duis malesuada netus efficitur maecenas at odio. Purus convallis habitant, condimentum natoque purus est.
Orci porttitor sed est sed sociosqu viverra pretium dictum. Faucibus cras ullamcorper quam lacus inceptos donec tempor cras pretium? Congue orci tristique posuere litora interdum tristique; pretium cras. Mauris ante vulputate malesuada pretium curabitur dui nisi viverra placerat. Aptent pharetra ultrices fringilla id quis eget. Montes massa aptent arcu pharetra tincidunt nibh augue. Cubilia orci dapibus scelerisque accumsan consectetur inceptos suscipit fringilla. Praesent semper fusce ligula himenaeos phasellus ante quam.
Director Insurance
With eight years of experience in the retirement space, Thomas Murphy has helped thousands of families navigate the complexities of retirement planning. He's been a part of over $1 billion worth of retirement transactions, making him an expert in managing sequence of return, longevity, and inflation risk through personalized private
pensions. Beyond his financial expertise, Thomas serves as a board member for multiple philanthropic organizations dedicated to improving youth crisis intervention and promoting financial literacy among underprivileged youth.
Thomas lives in Mount Pleasant, South Carolina, where he enjoys the charm of the low country, taking leisurely walks on the beach, and savoring the local cuisine.
CEO
Maria Elena Espindola was born in Mexico City but she has lived in the US, England, and France for over two decades. She currently resides in Atlanta, GA and Merida, Mexico.
After graduating Suma Cum Laude from the renowned Universidad Panamericana in Mexico City with a five-year Degree in Finance and Accounting, she worked in several Financial Institutions until 1990 when she became a principal partner and owner in a Leasing Company where she was in charge of the accounting/finance and administrative aspects of it.
After starting a family in 1995 she moved to New York, London and Paris for 15 years combined at the same time working for The Cielo Group , an Atlanta, Georgia-based company whose main objective is to aid businesses by providing advisory, recapitalizations, and active
management services. Maria Elena's native language is Spanish; she is bilingual in English and fluent in French.
Chairman
As the founder of Cielo Partners, an investment and advisory
company, Scott Wilkins brings over three decades of experience in
analyzing and strategizing the financial aspects of companies across
the United States, Europe, and Latin America. His background as a
former Wall Street sell-side analyst and entrepreneur gives him a
comprehensive understanding of the value creation process for public
and private entities.
Scott's international experience, which includes living and working in
major global cities, allows him to apply a broad and diversified
perspective to his work. He holds a Master's in Business
Administration from the London Business School and speaks Spanish
and French fluently.
To receive a complimentary copy of Tax-Free Retirement, complete the form below.
