Monitta Williams isn’t your typical financial professional, and that’s exactly why her approach works. Raised in West Virginia as the daughter of a coal miner, Monitta watched her father save nearly $100,000 in a safe deposit box over a lifetime. But here’s the part that still fuels her fire: that money never earned a penny of interest.

“He did what he thought was right — he saved — but he didn’t know what was possible,” Monitta recalls. “That’s what drives me today. Too many families are stuck playing defense with their money, never realizing there’s a smarter way to build and protect it.”

Today, as a retirement coach and financial educator, Monitta helps individuals eliminate the three biggest threats to wealth: risk, fees, and taxes. Her strategies don’t just help clients save, they help them secure their futures.

Why Most Retirement Plans Still Fail

Monitta is on a mission to correct what she calls “the quiet disservice” happening in underserved communities, where well-intentioned families are being sold retirement plans that expose them to:

  • Tax Burdens: Most retirement savings are tax-deferred, meaning clients will face significant taxation at withdrawal, often during retirement when income should be maximized, not drained.
  • Market Volatility: One market crash near retirement can erase decades of effort.
  • Hidden Fees: Traditional plans often come loaded with advisory fees, fund fees, and penalties that quietly siphon wealth.
  • Limited Access: Many accounts lock people out of their money until age 59½, with penalties for early withdrawal, even in emergencies.

“These are things no one teaches you. I had to learn the hard way — so my clients don’t have to.”

A Smarter Path: Financial Stewardship Through ERFT

Monitta’s framework is simple but powerful: Eliminate Risk, Fees, and Taxes (ERFT). Through personalized planning, she helps families break free from traditional models and move toward:

  • Tax-Free Growth: No annual taxes on gains, and no income tax at withdrawal.
  • Principal Protection: Clients avoid market losses with strategies that guarantee their money won’t disappear when the economy takes a hit.
  • Zero Hidden Fees: Transparent structures ensure clients keep more of what they’ve built.
  • Liquidity with Confidence: Access to funds without the fear of penalties or lost growth.

“People think they have to choose between safety and growth,” Monitta says. “I show them how to have both.”

It’s More Than Money, It’s Legacy

Monitta’s philosophy is deeply rooted in her faith and her lifelong mission to teach. From her time running empowerment programs and teaching in faith-based colleges to co-founding outreach organizations, her work in finance is simply an extension of her calling.

One of her proudest moments came when a retired schoolteacher told her, “You didn’t just help me retire with dignity — you gave me something I can pass down.” That, for Monitta, is the ultimate measure of success.

“This isn’t about products. It’s about people. And every plan I create is designed to outlive the client — to serve their children, and their children’s children.”

Final Word: It’s Not Too Late to Take Control

Monitta’s message is clear: if you’re nearing retirement and aren’t sure what’s really working in your plan, now is the time to act. You don’t need to navigate financial complexity alone. You just need someone who’s walked the hard road, done the homework, and is committed to helping you retire with confidence.

Click here to talk with Monitta