Our Philosophy

At the core of our approach is a commitment to crafting personalized financial plans and income strategies for those preparing for or living in retirement. We believe that planning must always come first. Before making any decisions, it's essential to understand how you got to where you are today and where you need to go.

Planning must always come first.

What are your goals? What is your Life Vision?

A drawing of a pyramid with the words product , process , and plan on it.

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A Conversation - Driven Process

Through meaningful conversations about money, family, and what matters most to you, a clear process will naturally emerge—one that guides you forward. This process encompasses saving, managing risk, creating reliable income, making informed decisions, and continuously monitoring progress. In short, every aspect of your financial life will have a purpose-driven process behind it.

Only after we've developed a comprehensive plan and walked through the various processes do we move on to evaluating and selecting specific financial products and an investment strategies that align with your goals.

Our mission is to empower you with knowledge.

With knowledge comes understanding, and with understanding comes action. Smart financial decisions are rooted in this wisdom, leading to a more secure and fulfilling financial future.

A diagram of knowledge , the circle of wisdom , and action

Our Approach

We’ve designed this site to help you understand our unique planning process and determine whether our firm, approach, and values resonate with you.

Throughout the site, you’ll see that our planning process and services are different. We communicate with clarity, honesty, and a commitment to straightforward conversations. Our approach emphasizes transparency, thoughtful plan design, and advice that we would want for our own children and loved ones.

Our goal is to become your trusted thinking partner—someone you enjoy working with, and with whom you can have some fun along the way.

We dedicate significant time, energy and resources to crafting and monitoring personalize plans for our current clients. As a result, we can only take on a select, limited group of new clients each year.

If you’re interested in exploring whether we are a good fit for your financial needs, schedule your “Good Fit” exploratory meeting today!

You can schedule here or call us at 401-541-5100.

Our Team

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FOUNDER

Janet M. Goulart, RICP®, CLTC®, LUTCF®

Janet is deeply committed to partnering with clients to design strategic financial plans and income strategies that pave the way for a more secure and fulfilling retirement. As retirement income planning becomes increasingly complex, Janet offers a dynamic approach that extends beyond mere numerical projections. She incorporates her clients' core values, life experiences, and family aspirations into the planning process, fostering ongoing, meaningful conversations that shape a comprehensive and personalized strategy.

Janet likes to say “we make the complex, simple to manage."

With nearly 30 years of experience, Janet combines extensive technical knowledge with a keen understanding of the emotional aspects of financial decision-making. This blend helps her guide clients through sensitive transitions and build enduring relationships.

Janet has earned the following designations:

Retirement Income Certified Professional®

Certified in Long-Term Care®

Life Underwriter Training Council Fellow®

2024 five star wealth manager janet goulart financial advisor

To receive the Five Star Wealth Manager award, individuals must satisfy a series of eligibility and evaluation criteria associated with wealth managers who provide services to clients. Recipients are identified through research conducted by industry peers and firms. Third party rankings and recognitions from rating services or publications are not indicative of past or future investment performance. For more information, go to www.fivestarprofessional.com.

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OPERATIONS MANAGER

Laurie Rosa, FPQP®

Laurie joined us after an 8-year career as a Paralegal, bringing with her a wealth of experience in processes and procedures. As our Operations Manager, Laurie handles all new business processing and existing business servicing with great attention to detail. She thrives on client interactions, list-making, and meticulous work. In 2023, Laurie earned her Financial Paraplanner Qualified Professional™ (FPQP®) designation, enhancing her role in supporting the planning process. Outside of work, Laurie enjoys family adventures with her 11-year-old son, Chace.

security fur officer

Raven

Raven is an 8-year-old Shepard and Elk Hound mixed bundle of fur. She loves coming to the office, patrolling the hallways, barking at joggers passing by and excitingly greeting clients and guests. When she is not busy welcoming guests and making her presence known to the world, you will find her snoozing in her newly updated office accommodations.

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PHOTOGRAPHER AND GENERAL MAINTENANCE

Zachary T. Goulart

Zachary works part time around the office helping with general maintenance, as he is busy starting his college studies at URI, majoring in general business. Zachary has a love for singing, musical instruments and acting which we hope he will continue with during his adult years. He enjoys photography and has helped with pictures for our website as well as

marketing efforts.

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Our Inspiration

Athena, the Greek Goddess of Wisdom, was revered for her strategic thinking and mediation skills. She was also credited with the invention of weaving. Similarly, achieving your “Life Vision” requires integrating various aspects of your life to create a clear and cohesive plan. By weaving together your current situation, family aspirations, and personal dreams, we craft a strategic road map to help you reach your goals. Successful execution of this plan will enable you to realize your personal Life Vision.

Fun Facts - The Inspiration Behind Our Logo

The Athena Tetradrachm coin (pronounced te-truh-drak-muh) was the first widely used international coin and one of the most influential.

Origins: Minted in Athens around 525 BC, it remained unchanged for over 500 years due to its reliability and widespread acceptance.
Design: The coin features the Goddess Athena on one side and her symbol, the owl, on the other.
Symbolism: The owl represented wisdom, strength, oversight, and strategic thinking.
Historical Significance: Ancient Greeks placed the owl on their currency to safeguard and manage the nation’s finances.

Our Partners

Our Relationship with Cambridge Investment Research

Athena Legacy Solutions, LLC, is an independent financial services firm founded in 2013 by Janet M. Goulart. Janet is an independent business owner and is not an employee of any investment or financial services firm.

As an independent advisor, Janet chooses the Broker/Dealer (B/D) and Registered Investment Advisory (RIA) firm with whom she partners. A B/D and RIA play two roles; the first is to ensure we are following all the rules of the SEC and FINRA, the industry regulatory agencies; The second is to act as an intermediary between investment companies and us so that we can obtain the right investment options and solutions for clients.

We are proud to align with Cambridge Investment Research because of their commitment to core values of integrity, commitment, flexibility, and kindness which are like our own. Cambridge is an independent, privately controlled firm, meaning we are not influenced to offer any investment product or type.

In short, Cambridge serves as our compliance team. They ensure everyone is properly licensed, review background checks, and help us provide all legally required disclosures. For more information, visit www.joincambridge.com

Check the background of your financial professional on FINRA's BrokerCheck.

Advisory Services offered through Investment Advisor Representatives of Cambridge Investment Research Advisors, Inc, a Registered Investment Adviser. Financial Planning and Advisory services offered in all 50 States.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC, to residents of: CA, CT, FL, MA, MD, ME, NJ, NC, NV, RI, UT, VA. Cambridge and Athena Legacy Solutions, LLC are not affiliated. Cambridge does not offer tax or legal advice.

Cambridge’s Form CRS (Customer Relationship Summary)

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Levitate to provide information on a topic that may be of interest. Levitate is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.