Feel more confident. Make clearer choices. Take control — one step at a time.
Life doesn’t come with a financial instruction manual — and most of us weren’t taught how to evaluate insurance policies, plan for the future, or prepare for life’s unexpected turns. We’re handed responsibility for some of the biggest decisions we’ll ever make about money, yet very few people are given the time, space, or support to make those decisions confidently.
That’s exactly why I created Heartfelt Financial Solutions.
This is a space where you can ask questions without fear of judgment, where every conversation is centered on your needs — not a sales pitch or a product list. Whether you’re reviewing your life insurance policy, thinking about long-term care coverage, or simply trying to understand what options are available, I’ll walk with you step by step. No jargon. No confusion. Just real, human guidance.
I believe that financial clarity starts with trust. That’s why I take the time to explain your choices thoroughly and thoughtfully — ensuring that you feel empowered to make decisions that reflect your goals and values.
You will never be rushed. You will never be pressured into a decision you don’t fully understand. And you will always be treated with the same care and respect I’d offer my own family.
“Our goal? To make your financial life easier to understand — and easier to manage.”
Robin Depies
Heartfelt Financial Solutions, LLC
Control Your Money
Wealth is less a matter of circumstance than it is a matter of knowledge and choice. It means that we can choose to live the lives we desire. Ultimately it comes back to you.
Know your income & expenses
- Cash Flow Worksheet
- Investments & Saving
- Choosing Your Investments and Saving Methods
Each investment carries its own set of risks. Here is a chart that ranks investments in order of risk of loss from lowest to highest.
Types of Investments (at right)
Practical Help, Not Sales Pitches
This isn’t a “fix your finances fast” promise or a one-size-fits-all seminar. It’s real guidance, tailored to your life, your budget, and your goals. We’ll talk in plain language, set clear priorities, and build a step-by-step path that fits you — not someone else’s plan.
| Defensive investments | Savings accounts Money market accounts Treasury bills Short-term CDs and bonds |
| Conservative investments | Intermediate-term CDs and bonds GNMA funds (Ginnie-Maes) Fixed annuities |
| Moderate investments | Long-term bonds Stocks and equity mutual funds Variable annuities Low-leverage real estate |
| High risk investments | Junk bonds Options High-leverage real estate Precious metals Collectibles Penny stocks Venture capital Commodities futures |
We Start Where You Are
Whether you’re planning for retirement, reevaluating your financial future, or sorting through insurance policies that no longer feel quite right, I’ll meet you exactly where you are — with no assumptions, no pressure, and no judgment.
I understand that life changes — and your financial needs often change right along with it. Maybe you’re unsure whether your current insurance coverage still fits. Maybe you’re feeling overwhelmed by decisions about life insurance, long-term care, or what retirement will actually look like. Or maybe you’re just realizing it’s time to take a closer look at the details you’ve been putting off.
Wherever you’re starting from, we’ll walk through it — together.
Here’s what we’ll explore:
- What’s currently working well — and what might be holding you back
- Where gaps may exist in your coverage, financial planning, or risk protection
- How your existing insurance aligns with your long-term goals
- Ways to simplify and organize your monthly financial commitments
- Practical next steps you can take today to feel more secure and in control tomorrow
- This is your space to ask questions, get clear, and feel empowered — without jargon, sales pitches, or rushed decisions. My role is simply to help you see the full picture, uncover opportunities for improvement, and build a financial plan that reflects your real life and values.
You don’t have to navigate these decisions alone. Let’s have a conversation and make a plan that feels right — for you.
“I don’t sell products. I offer personalized advice, resources, and tools to help you feel empowered and informed.”
Estate Planning
Planning today to protect the people and values you care about tomorrow.
Estate planning isn’t just for the wealthy — it’s for anyone who wants to make sure their wishes are known and their loved ones are taken care of. It’s about making thoughtful decisions now, so that your family isn’t left with confusion or uncertainty later.
At its heart, estate planning is about control — control over what happens to your money, your home, your belongings, and your care if you’re ever unable to speak for yourself.
This kind of planning can include:
- Naming who will receive your assets after your passing
- Appointing guardians for minor children
- Planning for incapacity or illness (through powers of attorney or healthcare directives)
- Reducing potential taxes and legal costs
- Making charitable gifts or supporting causes you care about
- Avoiding delays and expenses associated with probate
You don’t have to have all the answers — and you don’t need to figure this out alone. I’ll help you understand what decisions need to be made, and guide you to the right professionals (like attorneys or tax advisors) when needed. Together, we’ll create a plan that reflects your values and protects what matters most.
“Estate planning gives you a voice in the future — even when you’re no longer here to speak.”
Suddenly Alone
Planning for the “What Ifs” — So You’re Never Left in the Dark
Life has a way of changing — sometimes gradually, sometimes all at once. Whether through loss, separation, or a shift in circumstances, you may one day find yourself suddenly managing everything on your own.
And that can feel overwhelming.
Let me ask you something — gently and without judgment:
- If you were on your own tomorrow, could you confidently handle your daily responsibilities and your future financial life?
- Would you know where all your important documents are — your legal paperwork, medical records, insurance policies, account information, and passwords?
- Have you made decisions about what happens if you become unable to care for yourself? Have you shared your wishes with someone you trust?
If you answered yes to all of those — that’s wonderful. You’re ahead of the curve.
But if you answered no to any of them — you’re not alone. In fact, most people haven’t put these pieces in place yet. That’s not a failure — it’s just reality.
“The truth is: we often don’t prepare for what we hope never happens. But taking simple steps now can give you peace of mind, independence, and clarity — no matter what life brings.”
If you’ve relied on someone else to manage the financial or logistical side of life — and now you’re facing it alone — it’s okay to feel unsure. What you need isn’t just a checklist. You need someone who understands how to walk beside you — who can help you get organized, create a plan, and feel empowered again.
That’s why I’m here.
We’ll take it one step at a time — gathering your records, outlining your wishes, organizing your accounts, and putting together a clear plan for the future. You won’t have to do it alone anymore.
Ready to Feel More in Control?
You don’t have to tackle everything at once — and you don’t have to figure it out alone. Let’s talk about where you are today and how I can help you move forward with confidence.