Raman Your CFO

07/23/2025

07/23/2025

05/07/2025

12/20/2024

From Adversity to Opportunity…

Hey, I’m Raman, and I wanted to share a bit about my journey.

I moved to the U.S. when I was just 12. My parents made the tough decision to send me to Texas to live with my grandparents, hoping I’d have a better future.

I ended up in a small apartment with eight family members in Houston in the year 2000. It wasn’t easy, but it taught me early on how important it is to have a plan.

By Age 13, I was working…selling shoes out of my uncle’s van or passing out pizza flyers in the god forsaken Houston heat, basically doing whatever I could to help the family out. I didn’t speak much English at that time, so I went through a lot racism (9/11 time), while not having my parents guiding me through those years. It was hard, but those struggles became my motivation.

I worked three jobs to put myself through college, and I became the first in my family to graduate from college. I was introduced to Mike Cook (Rest in Peace) through Fauzia Kurjee who really helped me understand my value of work and that’s when I discovered my passion for helping people with their financial wellbeing. After years of hard work, I became a Certified Financial Planner™ in 2015, a moment I’ll never forget.

Now, I run my own flat fee-only firm, helping people simplify their finances and feel confident about their future.

Looking back, every challenge I faced taught me something that I now use to help others. And I’m grateful for the journey, as tough as it’s been.

What challenges have shaped your story? I’d love to hear yours.

09/06/2024

08/18/2024

They are the default choice for millions of retirement savers who are automatically enrolled in 401(k) plans. But some investors are moving out of them.

08/18/2024

Many investors are moving out of target date funds and replacing them with low cost index fund portfolios. A great article written by The Wall Street Journal and I was also able to share my insights on how I am helping my clients rebalance out of the target date funds -

They are the default choice for millions of retirement savers who are automatically enrolled in 401(k) plans. But some investors are moving out of them.

08/18/2024

https://www.gobankingrates.com/money/financial-planning/financial-advisor-costliest-mistakes-middle-class-boomers-make/

Baby boomers are fast approaching retirement, with many already retired and enjoying their golden years. But there are some costly mistakes that could turn a dream retirement into a nightmare in a hurry for middle-class boomers. The median estimated retirement fund for baby boomers is just $202,000,...