Welcome 

At R&A Total Financial Solutions LLC, we specialize in personalized financial planning designed to meet your unique needs and goals. Let’s chart your path to financial success together!

Our Mission

Our mission at R&A Total Financial Solutions LLC is to empower individuals and businesses through financial education and personalized strategies, spreading awareness and providing expert guidance to achieve financial independence.

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Meet the Owner

Behind R&A Total Financial Solutions LLC is Ramona Higgins—a dedicated wife, mother, and the heart and soul of our company. Her unwavering faith in God has been the cornerstone of her journey, providing the guidance and strength to build a business aimed at helping families achieve their dreams.

With a deep passion for financial literacy and a commitment to making financial security accessible to all, Ramona collaborates with top-rated companies to offer the best life insurance rates and strategies. Licensed in multiple states, she provides no-cost, personalized consultations to guide individuals toward financial independence.

Ramona’s expertise, paired with her faith-driven mission, makes achieving your financial goals and securing your future not just a possibility—but a reality.

Our Services

Retirement Planning

Strategic Retirement Planning: Secure and Optimize Your Future Finances.

Investment Management

Personalized Investment Management: Maximizing Your Returns with Expert Care and Attention

Estate Planning

Peace of Mind Estate Planning: Protect and Distribute Your Assets with Confidence.

Life Insurance Solutions

Ask us about innovative life insurance products that provide living benefits—coverage you can access when life takes an unexpected turn.  Whether you're protecting your assets, building wealth, or planning for unexpected challenges, discover how financial security extends beyond a legacy.

Frequently Asked Questions

What is financial planning?
Financial planning involves analyzing your current financial situation, setting goals, and creating a plan to achieve them. Our services help you secure your financial future.

How can I benefit from your services?
Our personalized financial planning services are designed to help you achieve your financial goals and create a secure future for you and your loved ones. We tailor our strategies to meet your unique needs and objectives.

How do I get started with R&A Total Financial Solutions LLC?
Getting started with R&A Total Financial Solutions LLC is easy. Simply contact us to schedule a consultation, and we will work with you to develop a customized financial plan that fits your needs.

“I have been a client of R&A Total Financial Solutions LLC since last year and have been extremely satisfied with their services. They have helped me create a solid financial plan that has put me on the path to a secure future.”

Tanya L Taylor

"My experience with R&A Total Financial Solutions LLC was exceptional! I was able to be educated on different life insurance policies that could positively impact me and my family! That led me to setting up my daughter's life until she is eighteen! I recommend anybody who is interested in life insurance or in need of any financial services to contact Sista Ramona!! " 

Greg Howard

"I had an amazing experience with Ramona at Total Financial Solutions. Due to some health issues, securing traditional life insurance was a challenge for me. However, Ramona took the time to understand my situation and explored various options, ultimately guiding me to a solution that perfectly fit my needs. Her knowledge and compassion made me feel supported every step of the way. Thanks to her, I now have a financial product that gives me peace of mind. I highly recommend Ramona for anyone seeking personalized financial guidance!"

Hope Encalade