Wise Money Moves — Free Ebook | Go Wise Wallet
Free download

The financial conversation most families never get to have.

Wise Money Moves walks through the ideas I discuss with clients, in plain English. No jargon, no filler. Free, and it takes seconds.

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How to create tax-free retirement income
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Why your 401(k) number is smaller than you think
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The living benefits strategy most families don't know exists
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How to protect your home, your business, and your family — simultaneously
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Why starting now matters more than starting perfectly
What's inside

Six chapters that could change your financial future.

01
The Retirement Gap Nobody Talks About
Why most Americans are significantly short of the retirement they expect — and what the gap actually looks like in real numbers.
02
What Your 401(k) Statement Doesn't Show
The pre-tax illusion. Why the number on your statement and the number you can actually spend later are rarely the same.
03
What Is a Living Benefits IUL?
A plain-English explanation of how these policies work and what makes them different from traditional life insurance.
04
Tax-Efficient Retirement Income
An overview of strategies some high earners use to structure retirement income, and the trade-offs worth understanding.
05
Protecting Your Family Without Sacrificing Growth
How living benefits strategies are designed to help protect your home, your children's education, and your retirement.
06
The One Decision That Changes Everything
Why timing matters more than perfection — and how to take the first step toward financial peace of mind today.
KS
Kleber Soares
Licensed Independent Broker · GoWise Wallet

My background in psychology taught me that financial stress and mental well-being are inseparable. I spent years as a psychotherapist before moving into financial protection, and I wrote Wise Money Moves to put these ideas in plain English for the families I work with here in Florida. I hope it changes how you think about your financial future.

Ready to go beyond the ebook? Let's talk about your specific situation.

The ebook gives you the framework. A conversation is where we look at what actually fits you.

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This page and the accompanying guide are educational content, not personalized financial, tax, or legal advice. Every situation is different, and what fits one household may not fit another. Recommendations happen in a private conversation, after I understand your full situation. Kleber Soares is a licensed independent broker in Florida, partnered with 14 A+ rated insurance companies.