ATHENA LEGACY SOLUTIONS

A retirement thinking partner you can trust

Income strategies to support your life, your vision

Retirement income distribution strategies differ fundamentally from those used for wealth accumulation. Distributing assets for income introduces unique risks and considerations. You only have one retirement!

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The RICP® (Retirement Income Certified Professional) designation is a specialized certification for financial professionals focusing on retirement income planning. It provides in-depth knowledge and skills to help clients create sustainable and effective retirement income strategies, covering various aspects such as investments, social security, tax planning, and healthcare.

Janet M. Goulart, RICP®, CLTC®, LUTCF®ï»¿

With nearly 30 years of retirement income planning experience, Janet founded Athena Legacy Solutions in 2011 to provide clients with a unique planning experience and customized income strategies that go well beyond the traditional numbers-based retirement projections.


Learn more about our Retirement Income Planning process


Check the background of this investment professional on FINRA’s BrokerCheck.

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Approximately 500 committed advisors, CPAs, and attorneys participate in this specialized IRA training, designed to keep you at the forefront of tax code changes and retirement planning strategies. This program offers in-depth insights into:

  • Navigating changes in tax laws
  • Effective retirement account distribution methods
  • Managing Required Minimum Distributions (RMDs)
  • Understanding rules for inherited IRA accounts

Our goal is to equip you with the knowledge to maximize retirement savings, ensuring you and your loved ones retain more of your hard-earned dollars.

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Transitioning into Retirement with Wisdom and Care

Transitioning into retirement can be daunting. After 40 years of accumulating and building wealth, retirement introduces a range of unique challenges and risks that can be unfamiliar. This shift is often one of the most stressful life events, as it involves not only financial adjustments but also significant lifestyle changes. Change can be scary. We look forward to making it easier, maybe even exciting!

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Janet's Life Vision Story

Hi, I'm Janet M. Goulart.


In 2010, I realized the profound impact that developing a Life Vision process can have on transforming a client’s life.


I met a couple in their early fifties with a child in college. The husband had been unable to work for years due to ongoing medical crises that would eventually lead to his passing. The couple was consumed by their day-to-day struggles and the looming fear of an uncertain future. It became clear that our focus needed to extend beyond their immediate financial concerns to preparing the wife for life after her husband's passing.



By helping her envision a future for herself and her child, we could ease her anxiety and provide both her and her husband with a sense of security. Addressing their future together—and after his passing—could bring clarity during a challenging time and reassure them that their family would be okay.


This experience profoundly changed my approach to financial planning. I learned that while traditional, numbers-based planning may suffice for stable situations, clients going through significant life changes need more. They need to explore their dreams, opportunities, and challenges—and create a vision—before diving into the numbers. Guiding clients through these conversations and helping them shape their Life Vision is not only vital to their well-being but also deeply fulfilling for me.


This realization inspired me to create Athena Legacy Solutions, where I am dedicated to guiding clients through life’s transitions and ensuring their future is as secure and fulfilling as possible.

What does your life vision look like?

Our Services

The Foundational Blueprint is a strategic plan that outlines your goals, assesses your current financial situation, and details the steps to achieve your objectives. It provides a roadmap for effective financial management, ensuring long-term stability and risk mitigation, making it ideal for clients ready to save and build wealth.

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FOUNDATIONAL BLUEPRINT

Income distribution planning is vital for managing cash flow during retirement. It involves crafting a strategy to efficiently distribute income from retirement accounts, investments, pensions, and Social Security to meet your financial needs.

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RETIREMENT INCOME PLANNING

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CRISIS

PLANNING

Long-term illness, a sudden death, or extended care in a Nursing Home, can happen quickly and unexpectedly, throwing a family into emotional and financial crisis.  We have developed an expertise in advising families facing the many challenges of a crisis. Our skilled guidance will help provide clarity and develop a pathway for moving forward.

Serving as an executor or trustee with little to no experience can be overwhelming, especially during emotionally charged times. We provide support to clarify your fiduciary duties, bring structure to the process and streamline communication with attorneys, tax professionals, and beneficiaries, ensuring transparency and efficiency.

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ESTATE SETTLEMENT & TRUSTEE SUPPORT

Transforming Vision into Space

Coming Spring 2025

Align your financial strategies with your Life Vision

Contact Athena Legacy Solutions today to schedule a consultation and begin your journey towards a secure and fulfilling future. Let us help you create a strategic plan that brings your vision to life.

Contact Us

Ready to begin the journey?

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Get in touch with us now to book a consultation and begin the journey towards achieving your financial vision.