Most families chase returns before protecting what they already have. There's an order that works: protection, debt management, emergency fund, then investment. It's the same foundation I walk Georgia families through every week. No pitch. Just the math.
Regie Durana · Licensed Insurance Professional · GA #3054869 (verify) · Serving Gwinnett County & Georgia families
The 4-Step Blueprint · from the book Saving Your Future
The slab everything sits on. If your income stops, everything above it stops. Cover the people who depend on you first.
The frame goes up. Debt is weight the structure carries every month. A plan to clear it puts your money back to work for you.
The roof. Life rains. Three to six months of expenses means a job change or a car repair stays an inconvenience, not a crisis.
Now it grows. With the house built, every dollar you invest has a foundation under it. Time does the heavy lifting.
You wouldn't build a house without a foundation. Your finances work the same way. This is the financial foundation from the book Saving Your Future: four steps, in order, that protect what you have while building what you want.
Protect your family first. Before anything else, make sure the people who depend on you are covered if life throws the unexpected.
Debt is a silent wealth killer. Get out of it with a strategic plan so your money works for you, not against you.
Build your safety net. Set aside 3-6 months of income so job changes, car repairs, or emergencies don't derail your progress.
Now you're ready to grow your wealth for the long term. Build the retirement and legacy you've always dreamed of with confidence.
They chase investments before protecting what they have. They hope for the best instead of planning for the worst. Watch this short video to see why our approach creates lasting financial security.
Why most people build wealth backwards — and what to do instead
Licensed Professional
Nobody taught us financial literacy growing up. Not in school, not at the dinner table. I saw what that gap does to real families, and I knew I had to be part of fixing it. Born in the Philippines, I spent 8 years in legal IT before joining this mission in 2015.
My approach is simple: education first, then action. You should understand your finances and have a clear path to your goals before anyone talks products. Let me be your guide on this journey.
Regie Durana is a licensed insurance professional in Georgia, License #GA 3054869 (verify at oci.georgia.gov). This site is operated by Round Table Strategy LLC.
Most people guess. Our free calculator gives you a personalized estimate in about two minutes, based on your income, debts, and family situation. No email required to see your number.
Try the Free Calculator →Your Money, Decade by Decade
Your best asset is you. Build the saving habit early, put something in a 401(k) or IRA, and let a long time horizon do the work. Target: 3 to 6 months of expenses set aside.
This is the most underinsured decade in America, right when a family starts depending on you. Get coverage right, keep debt on a leash, and aim to save 10 to 15 percent of income.
Earnings peak, and so should your plan. Cut the spending that crept in, push hard on long-term growth, and take care of yourself while you do it.
Time to do the retirement math while there's still time to adjust. This is also the decade to look at long-term care, and to have the honest family conversations.
The shift from growing money to living on it. Social Security timing, estate review, and a clear picture of what you want life after work to look like.
You did the work. A sound plan tells you what you can spend so you actually enjoy it, keep your withdrawals sustainable, and build the legacy you want to leave.
Whatever decade you're in, the next step is a conversation.
Book a Free 30-Minute Call
A common starting point is 10 to 12 times your annual income. Your real number depends on your debts, who relies on you, and what you want your family to be able to do if you were gone. Use our free calculator to get a personalized estimate in about two minutes.
Protect first, then crush debt, then build a safety net, then invest. Most people skip step one and end up rebuilding from scratch after a health emergency or job loss. The 4-step blueprint on this page walks you through each stage in order.
Yes, and the younger and healthier you are, the lower your rate will be. Locking in coverage in your 20s or early 30s can save you tens of thousands of dollars compared to waiting. The cost is typically less than a streaming subscription.
It is a 30-to-45-minute call where you review your current financial picture with Regie, identify any gaps, and map out a clear next step. No products are pushed. You leave with a real plan, not a sales pitch.
Start with protection, then tackle debt, then build 3 to 6 months of living expenses in savings. Once those three steps are solid, every dollar you invest has a foundation under it. The free strategy session maps this out for your situation.
The fastest way: pick a time on my calendar. 30 minutes, no products pushed, you leave with a plan.
Not ready to book? Leave your info and I'll reach out personally within 24 hours.