About
Margaret Yiadom
Founder, Ablaze Financial Consulting LLC
A one-person practice in Dumfries, Virginia, built on going through the detail with people before anything gets sold. Margaret meets her clients where they are, across Dumfries and Northern Virginia.
Why the practice exists
Most people meet insurance at the worst possible moment: under time pressure, from whoever contacted them first, with no one willing to spend an hour explaining what the thing actually does. The result is households paying for coverage that no longer matches their lives, and others discovering a gap at the point they needed it closed.
The work is unglamorous and mostly consists of asking questions. What do you already have? What would still need paying if your income stopped? Who depends on you, and for how long? The answers decide what, if anything, is worth buying. Sometimes the honest answer is that you are already adequately covered.
How Margaret works
The comparison comes before the recommendation
We look at what you need first. Products come into it only once that is clear.
What you already hold gets reviewed
Including policies bought elsewhere, years ago, that nobody has looked at since.
Plain answers about cost and exclusions
What a policy costs, what it leaves out, and what is guaranteed in writing as opposed to projected.
No pressure to decide
Not in the first conversation, and not at all if the honest answer is that you are already covered.
What Margaret helps with
Life insurance, health coverage and annuities, for individuals, families and small-business owners. Each of those pages sets out the questions worth having answered before you buy.