About Us

How long have you been doing what you do, and how did you become a Caribbean Relocation & Retirement Consultant?

To answer this question, it's probably best that I share with you a defining moment, and a resulting “compelling story”, that brought me to where I am today – coaching people like you on exactly what to do to retire like the rich and famous in the Caribbean.

That defining moment in my life happened in 2008. It's a two-part story, the first event helped me create Financial Freedom for Life. You can read that part here. As I was helping clients (and myself) break free from debt, I realized that, although we were doing much better financially, we were starting from ground zero with our retirement savings. Although our income was above average, we no longer had time on our side to allow interest to build our nest egg to the level that would support the lifestyle we wanted. We would have to work longer than we wanted and downsize our life dramatically, sell our home, etc. in order to live comfortably on our investments and social security. That was NOT how I imagined my "golden years."

Around that time I met a sweet lady and that encounter truthfully sent me into a tizzy. I was going into my local Walmart and was greeted by such a sweet grandma. She had a huge smile and an energy that drew you in. She greeted me enthusiastically, bringing a smile to my face and I couldn't help but greet her back. I went about shopping for dog food (and a few items that I really didn't need) and checked out. On the way out the same greeter was by the exit still smiling and radiating sunshine. She noticed my dog food and asked about my dogs, so I stopped a moment to chat with her. And what I learned from that brief chat had a lasting impact on me although, at the time, I didn’t quite know it yet.

She was 83, had two small dogs, and was "retired." I asked if she was new since I had not seen her before and I surely would have noticed her. She said yes, she had recently gone back to work. Her rent had gone up and her social security benefit had not. She had to choose between feeding herself or her dogs so she went back to work, AT 83 YEARS OLD!

She had retired from nursing, been a single mom and had saved money for retirement but "hadn't expected to live so long" and her retirement funds were depleted. We said goodbye after a few more minutes and I never did see her again but her words and story have stayed with me. That conversation gnawed at me. What if that was us? I kept pouring over our plan. It looked good. There was not longevity in my family so we were good there but my husband's family was another story. Those dang people lived close to 100 years. That could be a problem. I began to wonder how many of my clients were in the same boat? How many other people were unprepared for a long retirement? I started surveying my existing business, and learned it was quite a few; about 50% of my clients. The desire to help my clients and my husband and I maintain quality of life and stop working (if they wanted to) is what re-focused my efforts and helped me develop my Radical Strategies to Retire in the Caribbean.

I began to talk to people about what kind of lifestyle they wanted for their "golden" years. hey shared their hopes and dreams and then quickly followed those hopes with a great sign and spoke of their disbelief in ever achieving those dreams and their fear of outliving their money and becoming a burden to their kids. Many of my colleagues were advising their clients to downsize, look for a cheaper state to live in with no guarantees that an illness would not leave them bankrupt. I knew I needed to think "outside the box" so I began looking and researching cost of living around the world. That led to traveling to several countries and what I found was mind boggling. My clients (and us) could have an incredible quality of life – better than they could even imagine – and at a fraction of the cost of that lifestyle in the US. It's not for everyone, but it is achievable. The best part is that my clients can begin their lifestyle way earlier than their US plan called for, especially if their jobs or income streams are portable - which can give great hope and relief to those who are 5 – 10 years from retirement. My strategies work for single people as well.

The average person will earn and, more importantly, have flow through their hands more than $2.4 million dollars during their working life, and yet most end up broke, working way past the age of 65 and definitely unable to travel.

Half of all the people in the US 65 and older are living 100% on social security. They have no other money. Where did the $2.4 million dollars go?

For my clients who want to upgrade their lifestyle, retire earlier than the recommended 67-70 years, we begin by dreaming out loud; designing the life they want. That is an important step. You can't hit a target you're not aiming at, so we start with the target.

For my clients who have not saved enough, we also design their retirement plan and then we work on their financial mindset. I help them to learn how to make their money work harder for them and help them learn how to recognize and avoid common money mistakes so that we have more available to save, prior to our dream retirement. We also work on their belief system. We’ve been taught that if it's too good to be true, something is wrong, or that only super wealthy people can afford a luxurious lifestyle. But in reality, this is available to anyone who will open their mind to something different, who are willing and wanting to explore and learn about new cultures and embrace the differences, and who have good balance (to be able to to maneuver their hammock for daily naps!)

By reducing your living costs dramatically in the Caribbean, you can have a better-quality retirement life that YOU'VE worked hard for and DESERVE.

We help our clients explore the lifestyle there before making a more permanent change. That means traveling and who doesn't like to travel? We visit and see what each town has to offer. We guide you and hold your hand through the entire process from choosing the best visa (and all that paperwork) with the most beneficial tax implications for your situation to finding the perfect home as well as health insurance and relocation assistance. Our group of vetted professionals, many of whom are expats themselves, have over 30 years experience helping people just like you and me.

As we plan for and start your relocation process, we need to protect your greatest most important asset of all – YOU – so we help our clients find and choose international health insurance as well plans with Living Benefits that help in case of an unexpected illness.

Maybe you need to put off moving for a few years but want to get the dream home now and generate some extra income to add to your retirement portfolio. We have realtors, builders and investment property specialists to work with you on-site as well as financial coaches to help you with investing that extra income, if that is something you need.

My clients can expect to become empowered to create the life they want to live - they life they've worked so hard to achieve and deserve. They feel secure about their financial futures. I have created a signature program that allows you to be the master of your future. Let's work together to make someday be TODAY.

Who are your clients?

I work with people just like you who are worried about outliving their savings, people who want to take control of their future, and feel hope and joy about their retirement.People who don't want to HAVE to scrimp and downsize their lifestyle.

What makes you different from other Retirement & Relocation Coaches?

First and foremost, I am a teacher at heart. I believe my role is to show you, not judge you, because everyone, without the right education, makes the same mistakes. When you know better you do better and then you can have better. You also get a mentor who has been where you are. I don't only have book knowledge; I have made the same choices with the same lack of knowledge so I understand where you are and how you got there. And even more importantly, I developed my program after going through the process myself. You will benefit from my two years of research, mistakes and working with the wrong people and thankfully eventually finding the right people. You need four things to make this move:

Desire for a better quality of life
Knowledge
Open mind and heart
Love of travel and experiencing different cultures

If you bring genuine desire, I bring the rest.

What type of personality do you work best with and what is expected of me?

The Radical Strategies to Retire in the Caribbean workshops, products and on-site seminars were created for people who are dead serious about creating a better quality of life abroad.

It means not outliving your savings and becoming a burden on your children or worrying that you will have to work until you drop. It means no more fighting with your partner about money (or lack of money). You can put systems in place which will eventually lead you to having the freedom to choose: where you live, where and when you vacation and when you get to stop working.

Being a person who is tenacious myself, I'm known to work best with other focused people; people who are committed to their journey no matter what, who are super-ready to get going and just want to know exactly what steps to take to achieve a stress free, affordable future. My clients often tell me – "just tell me what to do and I'll do it!"" Consider what you’ll do with me to be a high-octane crash course on everything you need to know about living in the Caribbean, how to adjust to the culture and how to grow your money so you don't have to return to work after a few years. You will be expected to take serious and consistent action. No excuses anymore, just a very different way of thinking and full support while you achieve this incredibly exciting life.

What exactly is the Radical Strategies to Retire in the Caribbean system and what does it include?

My system includes thorough education on every step for relocation, so that you completely understand the culture, location choices, buy or rent, build your own or buy investment property, visa process, tax issues, etc, So you can feel confident in the choices you make. Over the next year, in between trips, we cover:

Mindset - Are you a candidate for moving abroad? What kind of lifestyle do you want?
Money - current lifestyle versus retirement lifestyle - purchasing power of your money, do you have enough money, will debt keep you from living the life of your dreams, Retirement Analysis, Debt elimination Plan, Future cost of living- inflation, banking, where is my money safest,
Real Estate - Buying vs renting, what can I afford, RE Process, tax benefits of ownership in DR, investing as a retirement income stream, I want to build, permits and gifts oh my
Immigration - what type of visa is right for me, dual citizenship, tourist visa limitations
Healthcare
Culture - how to fit in, what differences should I be prepared for, expat, support system
Prepping for the move - how to tell family, getting legal life in order - wills, living wills, power of Attys, funeral wishes, pets, medications
Time to move - shipping household items, shipping a car vs buying there vs do i even need a car

In addition, four times a year, you will have the opportunity to travel to the Dominican Republic's north coast (a hidden gem and open opportunity that is just now being discovered) to explore each town extensively and get a feel for life there. You'll meet current expats and have the opportunity to begin integrating into this community before you actually relocate. You'll view properties and meet with the vetted, licensed professionals who will be guiding you every step of the way. Trust me, that brings a huge sense of security.

Does this really work?

Yes! The result of our work is an approach to shifting your mindset and creating the life you deserve. If you will commit to adhering to the plan, you will absolutely be able to retire abroad. Just as important, you will discover before you move if this is truly right for you. I have actually met many expats who after a great all-inclusive vacation, went home and sold all their belongings and moved, only to discover it was not for them. We help you dip your toe in the water first – get all your ducks in a row – safely and more importantly correctly, before making a full commitment. It is that simple. I am proof that it works. Everything I will do with you, I have done myself.

What results can I expect?

You can expect to:

Have big breakthroughs and ah-ha moments
Health benefits, living stress free from money worries
Creating new standard of living for yourself
Feel empowered & excited about the future
Raise money confidence
Stay accountable to your retirement goals and achieve them
Get proven techniques you can apply right away
Receive an actual Get out of Debtor Jail Release date
Know you're on the path to successful retirement

Can I contact some of your former clients to see what it’s like to work with you?

Please go to the Client Testimonials page and read all of them. See which ones you feel drawn to, either because the person has gotten the results you want to get too, or perhaps because that person is in a similar situation.

How quickly can I expect results?

That depends how which path you take. If you are looking to become an investor before retirement, results can be right away! For most people, complete relocation process can take 7 months to a year (when done correctly).

How can I guarantee myself that I will get more results, in record time?

Do all of your homework. Be totally committed to your success. Understand that this is a process that includes input from others (such as government agencies). With our mentorship, that process is done correctly and will save you time and money. (Immigration mistakes can be costly and there are no refunds). Our program is a proven one, that works if you take action and implement all of the steps. All my clients who have diligently applied every step of Radical Strategies to Retire in the Caribbean system have successfully started implementing their plans and got on the path to achieving retirement on their terms, in much less time than they would have on their own. In addition they did so by spending much less money than they would have by avoiding costly mistakes. Some are already living their dream life.

Our Story