I keep a maximum of 27 simultaneous cases so I can dedicate full attention to each case.
The form starts the analysis process. It does not generate billing.
You learn the format, the prices and the next steps before deciding anything.
Hello, how are you?
I want to start with a simple question: do you know exactly where your money is going?
Not roughly. Exactly.
Many people work, get paid, pay bills, buy in installments, use credit cards, cover gaps, enter overdraft and start the next month repeating the same cycle.
Money without organization and method turns into smoke.
Real Life Finance consulting exists to look at this cycle seriously. The work begins with your life as it is: income, expenses, debt, credit cards, installments, commitments, priorities and urgent decisions.
There is no promise of wealth, approved credit, name clearance, miracle investment or guaranteed renegotiation. The work is educational, organizational and advisory.
First comes diagnosis. Then organization. After that, a possible action plan built for your reality.
The goal is to give you clarity about what comes in, what goes out, what weighs on you, what drains money and what needs to be faced first.
The first step is to fill out the pre-diagnosis form. From there, I make a preliminary analysis and contact you privately.
You do not need to arrive knowing everything. You need to arrive willing to face your own financial life seriously.
The method is what I deliver. Execution depends on decision, discipline and follow-up. We start with the diagnosis.
R$ 147.00 upfront
Complete diagnosis and 30-day action plan. Online or in-person service.
The price is accessible. The intention is that serious financial organization should not be a privilege reserved for people who already have money left over.
Monthly follow-up is available starting at R$ 100.00. For details, fill out the form.
R$ 197.00 per hour
In-person service in Araxá and the region. For other locations, please contact me before scheduling.
Packages starting at R$ 4,728.00 for 360º diagnosis and a 90-day action plan.
Budget organization, debt payoff structure, retirement planning and short-, medium- and long-term financial goals. Each case starts with a diagnosis of what actually exists: income, expenses, commitments and real room to maneuver.
Cash flow analysis, working capital structure, cost reduction, product and service pricing and growth projections. The focus is to give the business owner a clear reading of what the numbers are saying and an order of priorities for action.
Risk profile mapping, portfolio diversification and analysis of allocation strategies aligned with your goals. The work is to help you understand what each decision implies, not to point to specific assets.
The financial diagnosis and 30-day action plan for individuals cost R$ 147.00 upfront. Monthly follow-up is available starting at R$ 100.00. For companies, the service is R$ 197.00 per hour.
There are no specific asset recommendations. The work provides education on risk, liquidity, time horizon, concentration and diversification, with no portfolio management or personalized securities recommendations.
For individuals, the service may be online or in person. For companies, in-person service is available in Araxá and the region. Other locations should contact me before scheduling.
No. The form starts the analysis process, does not generate automatic billing and does not create any obligation to hire.
No. Results depend on income, debt, behavior, discipline, family context and decisions made by the client. What exists is diagnosis, method, organization, action plan and follow-up when necessary.
I receive your information, evaluate the initial overview and contact you. From there, I explain whether the consulting service makes sense for your case, which format may be appropriate and what information will be needed.
“After the diagnosis, I understood that the first step was to stop improvising and organize the month clearly. No one had shown me that so directly before.”
Individual result. Each case has its own income, behavior and context.
“The process forced me to look at credit cards, installments and small expenses that were consuming the budget without me noticing.”
Individual result. Each case has its own income, behavior and context.
“As a teacher with variable income, I mixed everything together. The consulting process helped me separate income cycles, priorities and decisions for the following month.”
Individual result. Each case has its own income, behavior and context.
“Understanding the difference between the ‘past me, present me and future me’ changed my relationship with money. Today my decisions have more awareness and direction.”
Individual result. Each case has its own income, behavior and context.
A direct letter about money, behavior, debt, consumption and real-life decisions. No promise of wealth. No recycled text. No shouting.
You receive one edition every fifteen days, with practical diagnosis, short reflection and one question to improve your relationship with money.
The content of this website is educational, informational and organizational. The financial consulting offered does not constitute personalized investment advice, securities advisory services, wealth management, a promise of profitability, financial intermediation, guaranteed debt renegotiation or credit granting.
Beyond individual consulting, financial education can be taken to companies, schools, teams and institutions. The lectures address budgeting, debt, consumption, planning and financial decisions in direct, practical language suited to the audience’s reality.
