Not sure what to prioritize with your money?
Sometimes, you don't need another article, planner, or financial tip. You need someone to look at the bigger picture with you.
A Financial Planning Session can help you understand where you are, sort through your priorities, and figure out what makes sense to work on next.
Initial session is complimentary. No obligation to purchase anything.
You might find this helpful if...
You have several financial goals and don't know what to prioritize.
Your income, expenses, or responsibilities have changed.
You're thinking about insurance but aren't sure what you actually need.
You want to start investing but aren't sure if you're ready.
You're preparing for a major life decision or milestone.
You know the basics, but your specific situation feels more complicated.
You don't need to have everything organized before we talk.
That's partly what the conversation is for.
Planning first.
Recommendations second.
Financial planning isn't about starting with a product and working backwards.
We'll start with you. Your current situation, priorities, questions, and what you're trying to build.
Depending on what we uncover, your next step might be building your emergency fund, getting your cash flow in order, reviewing your protection, starting an investment plan, using a simpler money system, or simply continuing what you're already doing.
And yes, sometimes, insurance may be appropriate.
Sometimes, it isn't.
My job is to help you understand the difference.
What can we talk about?
Cash flow & savings
Budgeting, emergency funds, debt, and managing your money better month to month.
Goals & priorities
Sorting through competing goals, life changes, and deciding what deserves attention first.
Protection & insurance
Understanding your risks, current coverage, and whether additional protection makes sense.
Investing & the future
Getting started, planning ahead, and preparing for retirement and other long-term goals.
What happens when you book?
Tell me what's going on.
When you book, I’ll ask about your situation, priorities, and the money question you’d most like answered.
We’ll look at the bigger picture.
During our session, we’ll talk through your situation and figure out what may deserve your attention first.
Leave with a clearer next step.
I’ll explain what makes sense for your situation and what I recommend you focus on moving forward.
You decide what happens next.
What if I don't need insurance?
Then I won't recommend it.
I'm a Licensed Financial Advisor, so insurance and protection planning are part of what I can help with. But they aren't automatically the answer.
Sometimes, the more responsible recommendation is to build your emergency fund first, improve your cash flow, pay down debt, or simply wait.
Financial planning should help you make a better decision, even when that decision doesn't result in a purchase.
Hi, I'm Lovette Jam.
I'm the person behind Tita Raketera, and I help people make smarter money decisions so they can build a life they love.
I'm an Associate Financial Planner and Licensed Sun Life Insurance Advisor. But before I'm interested in recommending a financial product, I'm interested in understanding the person sitting across from me.
Because good financial planning isn't about doing everything.
It's about knowing what makes sense for you, right now.
Ready to get clearer about your next step?
You don't need a perfect budget, complete financial records, or a ten-year plan before we talk.
Just come with your questions. We'll start there.
Initial session is complimentary. No obligation to purchase anything.
Frequently Asked Questions
Is the Financial Planning Session really complimentary?
Yes. There is no fee for the initial session and no obligation to purchase a financial product.
Do I need to prepare anything?
No complicated homework. When you book, you'll answer a few questions so I have an idea of what you'd like help with. If there's anything else I need from you, I'll let you know before our session.
Will you recommend insurance?
Only if your situation suggests that additional protection could genuinely help. We'll look at your needs first, then discuss specific solutions if appropriate.
What if I just need help budgeting?
We can talk about it, but a one-on-one planning session may not always be the best first step. If a simpler resource or tool can help you, I'll point you in that direction.
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