Wealthy Peach Financial
A different approach to financial freedom
we aspire to bring Wall Street to Main Street
Hello, I’m
Monique Welch
a devoted mother of four and a seasoned professional with a wealth of experience in life insurance, real estate, and Human Resources. In the wake of my beloved husband's passing in September 2022, I have embraced the challenge of continuing our successful practice, which focused on training leaders and teams of agents nationwide. With over 17 years of experience in Human Resources, working with prominent Fortune 400 and 500 companies across various industries, I bring a unique perspective on organizational dynamics and human behavior to my work.
Furthermore, I have expanded my services to include personal client consulting, where I blend my HR expertise with financial planning to offer a comprehensive approach to empowerment. My mission is to make finance accessible to all, regardless of background or experience level. By bridging the gap between Wall Street and Main Street, I empower individuals to take control of their financial futures and create lasting legacies for themselves and their loved ones.
Helping you make Financial Freedom an Achievable Goal
At Wealthy Peach Financial, we aspire to bring Wall Street to Main Street by demystifying complex financial concepts and making them simple, relatable, and practical for all. We believe that financial freedom should not be a luxury reserved for the few, but an achievable goal for everyone willing to learn and apply the necessary tools. Wealth is more than just material possessions; it is a state of mind and a lifestyle. Our mission is to embody this wealth mindset in a manner that transcends barriers of status and demographics, inspiring multiple generations to attain true financial freedom.
My Experience
In addition to my work in the insurance and real estate sectors, I have also harnessed my 17-plus years of experience in Human Resources. Over the course of my career, I have worked with various Fortune 400 and 500 companies spanning multiple industries.
My Mission
By merging my expertise in Human Resources with my personal business of consulting and servicing one-on-one clients, I strive to provide a comprehensive and holistic approach to financial planning and empowerment. My mission is to make the world of finance accessible to everyone, regardless of their background.
My Aim
I aim to bring financial knowledge and expertise to all, empowering individuals to take control of their financial futures and secure lasting legacies for themselves and their loved ones. My journey, marked by personal loss and resilience, has strengthened my commitment to helping others achieve financial literacy and independence.
Mission Statement
Aligned with century-old institutions and industry juggernauts, Wealthy Peach Financial is committed to providing a wide range of products and services that empower individuals and families from diverse backgrounds and communities to achieve financial freedom. Through our accessible workshops and seminars, we demystify complex financial concepts, making them relatable and practical for all clients, whether they are corporations, single families, or individuals. Our educational initiatives are designed to inspire and equip clients with the knowledge and tools necessary to cultivate a wealth mindset that transcends generational and societal barriers.
Got Life insurance?
Term Life Insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
- Cost effective option for young growing families or individuals looking for more affordable coverage.
- There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
Return-Of-Premium Term
We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.
- Premium returns can start as early as the second year.
- Life insurance protection in place if needed and return of premium investments if not.
Indexed Universal Life
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
No Medical Exam Life
This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.
- Up to $250,000 death benefit.
- No medical exam or blood work is required.
Fixed Indexed Annuity
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
- A type of tax-deferred insurance product.
- Can be structured to provide income for life, acting as another resource for retirement income.
- Provides protection from market decline with a guaranteed floor.
Join me as we embark on this transformative journey together, building a legacy that extends far beyond our lifetimes.
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MoniqueWelch@wealthypeachfinancial.org
www.wealthypeachfinancial.org