Financial Clarity. Intentional Living.

Build Wealth With Purpose & Confidence.

Empowering individuals, families, and communities with the financial knowledge and tools to take control of their future through education, planning, and intentional action.

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"Financial Clarity. Intentional Living." by Emmanuel S. Desmolieres, CLTC®
Emmanuel S. Desmolieres
About Emmanuel

Turning Financial Knowledge Into Life-Changing Action

Emmanuel S. Desmolieres, CLTC® is a financial educator and New York Life professional dedicated to bringing real financial clarity to churches, community organizations, and families across all walks of life.


Through the Planning and Prospering brand, Emmanuel delivers financial literacy programming tailored to all ages, from children to adults, helping them build confident financial futures grounded in purpose, planning, and action.

CLTC® Certified New York Life Professional Financial Educator
Financial Services

Protect, Plan & Grow Your Wealth

As a licensed New York Life agent and CLTC® specialist, Emmanuel provides comprehensive financial solutions for families, business owners, and high-net-worth individuals, covering everything from protection to retirement.

Life Insurance

Term, Whole, and Universal Life solutions designed to protect your loved ones and build lasting financial security for your family.

Disability & Long-Term Care

Safeguard your income and prepare for the unexpected. Comprehensive coverage so life's challenges don't derail your financial future. CLTC® certified guidance.

Retirement Planning

Annuities and retirement strategies that help you build predictable income and achieve the retirement you've always envisioned.

Business Planning

Buy-Sell Agreements and business continuity strategies that protect what you've built and ensure a smooth path forward for your company.

Book a Free Consultation
Community Education

Financial Literacy for Every Stage of Life

From children to adults, Emmanuel delivers engaging financial literacy programming for churches, nonprofits, schools, and community organizations, available in-person or virtually.

Community Workshops

Custom financial literacy workshops for churches, nonprofits, and organizations, available in-person or virtually for all age groups.

Financial Literacy Programming

Age-tailored curricula for children (8–13) and teens through adults (14+), delivered with energy, clarity, and real-world relevance.

Request a Speaking Engagement Schedule a Call
Digital Resources

Tools to Take Control of Your Finances

Practical, beautifully designed resources to help you budget, plan, and grow, available instantly on our Stan Store.

Excel Workbook

Financial Toolkit

A comprehensive 14-sheet workbook covering budgeting, savings tracking, debt payoff, and more. Your all-in-one financial command center.

Get the Toolkit

eBook

Money Basics

A Beginner's Complete Guide to Financial Literacy covering 10 chapters on budgeting, saving, investing, insurance, and building lasting wealth.

Get the eBook
Free

Web App

Financial Health Calculator

Get your personalized Financial Health Score in under 2 minutes. Answer 3 quick questions about your income, savings, and protection, no login required.

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Bundle

Family Financial Literacy Bundle

Everything your family needs to start building healthy money habits together, including tools, guides, and activities for all ages under one roof.

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Free Lead Magnet

What's Your Financial Health Score?

Answer 7 quick questions and discover exactly where you stand financially. Get your personalized profile and a clear path forward, completely free.

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Ready to build your financial blueprint?
Book a complimentary strategy session with Emmanuel. In 30 minutes, we will identify your biggest financial opportunities and build a clear path forward.
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Live Education

Webinars & Seminar Series

Engaging, practical financial education available for individuals, families, and organizations. Individual sessions or full series available.

01 Budgeting Basics: Taking Control of Your Money Custom Pricing
02 Understanding Credit & Building Your Score Custom Pricing
03 Investing & Growing Your Money Custom Pricing
04 Insurance 101: Protecting What Matters Most Custom Pricing
05 Retirement Planning: Building Your Future Today Custom Pricing
+6 Additional topics available, including custom organizational sessions Custom Pricing
Book a Session Inquire About Bundles
What People Are Saying

Real Impact, Real Lives

“

Emmanuel has a gift for breaking down complex financial topics in a way that finally makes sense. Our church community walked away empowered and motivated to take action.

Pastor Williams

Senior Pastor, Community Church

“

I came in not knowing the difference between term and whole life insurance. I left with a clear plan for protecting my family. Emmanuel is genuinely passionate about this work.

Marcus T.

Small Business Owner

“

The Financial Toolkit alone was worth every penny. I've already paid off one debt and started my emergency fund. Planning and Prospering changed how I think about money.

Jasmine R.

Educator & Community Member

Every Monday

The Prosperity Brief

Your Weekly Financial Briefing

Join a growing community of professionals receiving weekly financial tips, market insights, and wealth-building strategies every Monday morning straight to your inbox.

Free. No spam. Unsubscribe anytime.

Now Playing

Key Conversations Podcast

Real conversations about the topics that shape modern life, including finances, health, mental wellness, entrepreneurship, and more. Hosted by Emmanuel Desmolieres, CLTC®.

Each episode brings you candid, practical insights from guests and experts across industries, because prosperity isn't just financial.

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Key Conversations

Available on Spotify, Apple Podcasts & more

Finance & Wealth Building
Health & Mental Wellness
Entrepreneurship & Modern Life
@keyconversationspodcast
Financial Education

Articles & Insights

Practical financial guidance written to help you make smarter decisions, protect your family, and build lasting wealth.

Budgeting

The 50/30/20 Rule: A Simple Framework for Every Income

Learn how to split your take-home pay into needs, wants, and savings using one of the most trusted budgeting methods available, and why it works at any income level.

Read in The Prosperity Brief

Insurance

Term vs. Whole Life Insurance: What Nobody Tells You

Most people choose the wrong type of life insurance because they don't understand the difference. Here's a clear, honest breakdown to help you protect your family the right way.

Read in The Prosperity Brief

Credit

5 Things Hurting Your Credit Score Right Now

Your credit score affects your mortgage rate, car payment, and even job applications. Discover the five most common mistakes that silently drag your score down and how to fix them.

Read in The Prosperity Brief
Get New Articles Every Monday
Get in Touch

Let's Start the Conversation

Whether you're an individual looking for financial guidance, an organization seeking educational programming, or a church ready to empower your community, we would love to hear from you.

Email Emmanueld@planningandprospering.com
Instagram @planningandprospering
Stan Store stan.store/planningandprospering