Total Alignment Charitable

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Total Alignment Charitable

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At Total Alignment Charitable, we empower individuals & families facing financial hardship through unbiased financial education and financial planning.

We provide free personal finance workshops and 1-on-1 financial planning to those in need.

10/26/2026

A new kind of savings account for kids is here. Do you know how it works?

Trump Accounts are tax-advantaged investment accounts for children under 18. Here's the quick version:

• Kids born 2025 through 2028 may get a one-time $1,000 from the federal government, but you have to opt in
• Up to $5,000 a year can be contributed by family, friends, and employers
• One account per child
• The official site is trumpaccounts.gov, so watch out for lookalikes

Want to know what to do next?

Join Total Alignment Charitable for The $1,000 Headstart: What You Should Know About Trump Accounts.

Wednesday, October 28th at 7pm ET
Register at totalalignmentcharitable.org/events

Know a parent, grandparent, or caregiver who should hear this? Send it to them.

For educational purposes only. Not tax, legal, or investment advice.

10/20/2026

The scariest thing this season isn’t a haunted house. It’s the gap between what life costs and what paychecks cover.

The New York Fed’s latest consumer survey shows households expect spending to outpace income, prices to climb on the bills we can’t skip, and debt payments to feel shakier. We broke it down on our blog into four money monsters and one simple move to beat each

Pick one move, and do it before Halloween. Then comment MONSTERS and we’ll DM you the full post.

Source: Federal Reserve Bank of New York, Survey of Consumer Expectations, September 2026. For education only, not individualized financial advice.

10/14/2026

💰 If your car broke down today and the repair cost $1,000, could you pay for it without using a credit card?

For millions of Americans, the answer is no.

That's why an emergency fund isn't a luxury.

It's one of the most important financial tools you can have.

Our FREE Emergency Fund Starter Kit will help you:
✔ Know how much you should save
✔ Build a savings plan that fits your budget
✔ Take the stress out of unexpected expenses

You don't have to save thousands overnight. You just have to start.

Download your FREE Emergency Fund Starter Kit today and begin building your financial safety net.

10/13/2026

**Financial education isn't just for where you are today. It's for where you want to be tomorrow.** 💡

Maybe you're not ready to invest right now. Maybe you're still figuring out your finances. Maybe building wealth feels like something that's years away.

**That's okay. The best time to learn is BEFORE you need to make the decision.**

At Total Alignment Charitable, we believe everyone deserves access to financial education, regardless of their income, background, or stage of life.

That's why we offer:

-Free personalized financial plans
- Free financial coaching
- Free personal finance workshops

**And when we say FREE, we mean it.**

10/09/2026

Total Alignment Charitable is looking for volunteer bilingual CFP professionals and financial coaches.

Many New York families we serve feel most comfortable discussing money in their first language. Right now, we don’t have enough professionals who can meet them there.

What you’d do:
Lead 1-on-1 financial coaching sessions in Spanish.
Support community workshops with our partners
Help families take real next steps, not just hear general advice

What we ask:
CFP or experienced financial coach
Fluent in English and Spanish
Scheduled around your availability
Remote / in-person in NYC

What you get:
Direct, visible impact on families in your community
Flexible scheduling, structured session format

Interested? Apply here and book a quick intro call: https://fb36ltrfpfb.typeform.com/to/j6kJMLXm?typeform-source=www.totalalignmentcharitable.orgKnow

Know someone who’d be a great fit? Tag them or share this post.

10/08/2026

Most people think you need a high income to build wealth.

Ronald Read proves otherwise.

He was a janitor and gas station attendant in Vermont. He lived simply, saved consistently, and invested in dividend-paying stocks. When he passed away, he had built an $8 million portfolio.

He did not win the lottery. He did not start a company. He used the power of compounding.

Compounding means your money earns money, and then that new money earns money too. Over time, that growth builds on itself.

The lesson is simple: you do not have to be wealthy to start investing. You have to be consistent and patient.

Even small amounts, invested regularly, can grow into something meaningful over time.

At Total Alignment Charitable, we believe financial progress happens one step at a time. Start where you are. Stay consistent. Let time work for you.

10/06/2026

🚨 Big update for parents: Trump Accounts are moving toward automatic enrollment.

The IRS has issued new rules that will automatically establish a Trump Account for eligible children with Social Security numbers if an account hasn’t already been opened for them.

The IRS estimates this could result in accounts being created for more than 60 million additional children.

But here’s the part parents need to understand:

✅ An account may be opened automatically.

💰 That does NOT mean every child automatically gets $1,000. The federal $1,000 pilot contribution is available for certain eligible children born from 2025 through 2028.

👨‍👩‍👧 A parent, guardian or other authorized person will still need to claim the account before they can control it.

📈 The accounts are designed as long-term investment accounts for children, with special rules around contributions, investments and withdrawals while the child is young.

🌎 New IRS rules also allow governments and nonprofit organizations to make contributions to groups of eligible children based on factors such as age or geography.

The takeaway? If you have children or grandchildren, don’t assume there’s nothing you need to do just because enrollment is becoming automatic.

Understanding who qualifies, how the accounts work, and what steps families need to take can make a big difference.

👉 Comment WEBINAR and we'll DM you the registration link.
(Follow so the DM reaches you.)

10/01/2026

Getting your finances on track shouldn’t feel overwhelming, and getting help shouldn’t be out of reach.

At Total Alignment Charitable, we provide free financial planning and free financial coaching to help you better understand your money, set clear goals, and build a plan you can actually follow.

Whether you’re working on budgeting, debt, saving, investing, or simply figuring out your next financial move, you don’t have to do it alone.

Real guidance. Personalized support. $0.

Ready to take the next step? Contact us for free guidance.

09/29/2026

Did you know some children may qualify for a one-time $1,000 contribution from the federal government?

A new kind of tax-advantaged investment account for kids is now available, and most families still have questions. Who qualifies? How is the money invested? Can grandparents and other relatives add more?

Total Alignment Charitable is hosting a free workshop that explains Trump Accounts in plain English:

▶ Who is eligible for the $1,000 pilot contribution
▶ How to open and activate an account
▶ How the money is invested, and what to know about growth and risk
▶ Who can contribute and what the limits are
▶ How the rules change as your child gets older
▶ How these accounts compare with other ways to save for a child

You don't need to be an experienced investor. We start with the basics.

Parents, grandparents, guardians, and caregivers are all welcome.

📅 October 28th
📍 Live Webinar
Reserve your free spot: https://www.totalalignmentcharitable.org/event/the-1000-head-start-understanding-trump-accounts-for-your-child/

Address

New York, NY

Website

https://www.totalalignmentcharitable.org/

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