Noir Moolah

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Change The Trajectory Of Your

Financial Landscape

We strive to enhance financial education, well-being, and foster economic empowerment to ensure that everyone can access the wealth they rightfully deserve. Together, we turn hidden potential into tangible prosperity, transforming lives one discovery at a time.
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Investment to shape your future through education

Through education, innovation, and unwavering commitment, we aim to transform lives, championing financial literacy, inclusion, and justice for communities worldwide
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Insurance

Investing in insurance not only safeguards personal assets but also promotes a sense of security, allowing people to focus on their lives and aspirations without the constant worry of financial burdens.

Term Life Insurance

is a type of life insurance that provides coverage for a specific period, typically 10, 20, or 30 years. If the policyholder passes away during the term, a death benefit is paid to the beneficiaries. It is often more affordable than permanent life insurance, but it does not build cash value. 

Whole Life Insurance

is a type of permanent life insurance that provides coverage for the policyholder’s entire lifetime, as long as premiums are paid. It includes a death benefit and a cash value component that grows over time, offering both protection and a savings element.

Indexed Universal Life

is a type of permanent life insurance with flexible premiums and a cash value that grows based on a stock market index, like the S&P 500. 

Pre-Need Insurance 

is a type of life insurance specifically designed to cover funeral and burial expenses. It locks in funeral costs at today’s prices through a contract with a funeral home, helping to protect against future inflation. The policy ensures that funds are set aside for burial or cremation, offering peace of mind to the insured and their family.

Our Services

Take a look at the services that we offer, and a description to dive deeper into how your lifestyle can be improved significantly.

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Insurance consultations and plans

I offer comprehensive estate planning services, including the creation of wills, last will & testament, trusts, and power of attorney documents to ensure your assets are managed according to your wishes. I also provide pre-need insurance solutions that lock in today’s funeral or cremation costs, protecting your family from future financial burdens. These services give you peace of mind and security, ensuring your loved ones are cared for and your legacy is preserved.

ESTATE PLANNING/PRENEED

I offer comprehensive estate planning services, including the creation of wills, last will & testament, trusts, and power of attorney documents to ensure your assets are managed according to your wishes. I also provide pre-need insurance solutions that lock in today’s funeral or cremation costs, protecting your family from future financial burdens. These services give you peace of mind and security, ensuring your loved ones are cared for and your legacy is preserved. 

FINANCIAL LITERACY EDUCATION AND COACHING

I provide financial literacy education and group and 1 on 1 coaching services designed to empower individuals and families with essential financial knowledge and skills. Through engaging workshops and personalized coaching sessions, I cover topics such as budgeting, saving, investing, and debt management. My goal is to help clients make informed financial decisions, achieve their financial goals, and build a secure future. 

Consumer Advocacy

I am dedicated to consumer advocacy, working to protect and educate individuals about their rights and options in the marketplace. I provide resources and guidance to help consumers make informed decisions, navigate complex financial products, and resolve disputes with companies. My goal is to empower consumers to stand up for their interests and ensure they receive fair treatment and value. 

Education based investment
Providing investment education which includes classes, workshops, portfolio reviews, recommendations on asset allocation,or resources on topics like stocks, real estate, and retirement accounts.
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At Noir Moolah we are dedicated to empowering individuals to uncover hidden financial resources. Our mission is to provide comprehensive tools, expert guidance, and personalized support to help people discover and reclaim unclaimed funds, forgotten assets, and financial opportunities.

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MISSION
Our vision is to be a beacon of financial advocacy, ensuring that every individual has the knowledge, resources, and support needed to achieve financial empowerment and equity. We aspire to create a world where financial systems are transparent, fair, and accessible to all, and where everyone has the opportunity to build a secure and prosperous future.

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VISION

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Frequently Asked Questions

What types of life insurance do you offer?

We offer several types of life insurance, including term, whole life, and universal life insurance. Each type has unique benefits, and we can help you choose the right option based on your family’s needs and financial goals.

Can I get life insurance with pre-existing health conditions?

Yes, though coverage options may vary. Some policies may have higher premiums, but we work with providers who offer flexible options. Our goal is to help you secure coverage that suits your needs.

How can consumer advocacy help me?

Consumer Advocacy

Our advocacy services provide personalized support to help you navigate complex financial topics, compare products, understand contracts, circumnavigate through issues that you deem too complex for you and find the most cost-effective solutions. We focus on empowering you to make informed, confident choices and help you fight for what belongs to you.

Do you charge for consumer advocacy services?

Some advocacy services are included with our financial planning packages, while others may have a separate fee. We offer clear, transparent pricing so you always know the cost upfront.

What documents do I need for a basic estate plan?

Estate Planning

A basic estate plan usually includes a will, power of attorney, healthcare directive, and possibly a trust. Each document serves a specific purpose, such as appointing guardians for minor children or directing medical care in emergencies.

How does a trust work in estate planning?

A trust is a legal arrangement that allows you to transfer assets to beneficiaries without going through probate. Trusts provide more control over how and when assets are distributed and may offer tax advantages. Trusts, charitable donations and other methods may also help minimize  estate taxes.

How do I get started?

Getting started is easy! Simply contact us through our website or by phone. We’ll set up an initial consultation to discuss your needs and outline a plan tailored to your goals. We offer both in person and virtual consultations that are tailored to meet your specific needs.

PS. For the first meeting, please bring financial documents like life insurance policies, investment account information and a list of questions or concerns. This helps us assess your needs effectively.

How are your services priced?

We offer transparent pricing for all services, including hourly rates and package options. Specific costs vary based on the services you select, and we provide estimates upfront to avoid surprises.

Enrich your journey with financial wisdom

We strive to enhance financial education, well-being, and foster economic empowerment to ensure that everyone can access the wealth they rightfully deserve. Together, we turn hidden potential into tangible prosperity, transforming lives one discovery at a time.

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For your financial wellness, we provide:

financial literacy, life insurance, estate planning, investing.

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Term Life Insurance:  is a type of life insurance that provides coverage for a specific period, typically 10, 20, or 30 years. If the policyholder passes away during the term, a death benefit is paid to the beneficiaries. It is often more affordable than permanent life insurance, but it does not build cash value.

Pros:

  • Affordability: Lower premiums compared to permanent life insurance. 
  • Simplicity: Easy to understand with straightforward coverage.
  • Flexibility: Can be purchased for varying lengths of time to match financial needs (e.g., until mortgage is paid off or kids finish college). 
  • High coverage for lower cost: You can often get a large death benefit for a lower premium than permanent policies. 

Cons:

  • No cash value: Unlike permanent life insurance, term policies do not build savings or investment value. 
  • Coverage ends: Once the term expires, coverage stops, unless you renew, which may come at a higher cost. 
  • Premiums can increase: Renewing the policy after the initial term can result in much higher premiums due to aging or changes in health. 

Term life insurance is ideal for those seeking affordable, temporary protection, especially for specific financial obligations like a mortgage or dependent care. 

Whole Life Insurance is a type of permanent life insurance that provides coverage for the policyholder’s entire lifetime, as long as premiums are paid. It includes a death benefit and a cash value component that grows over time, offering both protection and a savings element.

Pros:

  • Lifelong coverage: Coverage lasts for the policyholder’s entire life, ensuring a death benefit payout. 
  • Cash value accumulation: Part of the premiums goes into a cash value account that grows over time, which can be accessed or borrowed against. 
  • Fixed premiums: Premiums remain consistent throughout the policyholder’s life. 
  • Potential dividends: Some policies offer dividends, which can be reinvested to grow the cash value or used for other purposes (though dividends are not guaranteed). 

Cons:

  • Higher premiums: Whole life insurance is significantly more expensive than term life due to the permanent coverage and cash value feature. 
  • Slower growth: The cash value component grows slowly, especially in the early years. 
  • Complexity: Whole life insurance is more complicated to understand than term life, with various options for using the cash value and policy features. 
  • Less flexibility: Compared to term life, you may have less flexibility in adjusting your coverage or premiums. 

Whole life insurance is ideal for individuals seeking lifelong protection, the ability to build cash value, and those who prefer stable premiums with the option to borrow against their policy. 

Indexed Universal Life (IUL) Insurance is a type of permanent life insurance with flexible premiums and a cash value that grows based on a stock market index, like the S&P 500.

Pros:

  • Growth potential: Cash value can grow with market performance. 
  • Flexible premiums: Adjust premiums and death benefit as needed. 
  • Downside protection: No loss if the market declines (usually has a 0% floor). 
  • Tax-deferred growth: Cash value grows tax-deferred. 

Cons:

  • Complex: More complicated than other policies with caps and fees. 
  • Higher costs: Fees can reduce growth potential. 
  • Limited upside: Growth is capped, limiting potential earnings.
  • Risk of underfunding: Insufficient payments may impact coverage. 

IUL is great for those seeking flexibility and growth potential, but it requires careful management. 

Pre-Need Insurance is a type of life insurance specifically designed to cover funeral and burial expenses. It locks in funeral costs at today’s prices through a contract with a funeral home, helping to protect against future inflation. The policy ensures that funds are set aside for burial or cremation, offering peace of mind to the insured and their family.

Pros:

  • Inflation protection: Locks in funeral costs, preventing the impact of future price increases. 
  • Peace of mind: Ensures funeral expenses are covered, relieving the financial burden on loved ones. 
  • Customizable: Can be tailored to specific burial or cremation wishes. 
  • Guaranteed payout: As long as premiums are paid, the policy guarantees funds for funeral services. 

Cons:

  • Limited use: Funds are restricted to burial or cremation expenses only. 
  • Transferable: If the funeral home goes out of business, transferring the contract is no problem. 
  • Higher costs: Depending on the provider, pre-need insurance can be more expensive than other forms of burial insurance because it has a shorter payment term. 
  • Potential overpayment: If funeral costs are lower than expected, beneficiaries SHOULD receive the remaining balance. 

Pre-need insurance is ideal for those who want to plan ahead and ensure their funeral arrangements are paid for, regardless of inflation.