Welcome
Where families, educators, and everyday people find clarity, confidence, and real financial guidance.
At R&A Total Financial Solutions, we help you protect what matters most, build long‑term security, and make informed decisions about your financial future. Whether you’re planning for retirement, exploring modern life insurance options, or preparing your taxes virtually from anywhere in the U.S., you’re in the right place.
Your goals are unique — and your financial plan should be too. Let’s walk your path to financial peace, protection, and purpose together.
Meet the Owner
Ramona Higgins is a Licensed Life Insurance Agent and the founder of R&A Total Financial Services LLC. She is on a true Living Benefits Crusade—helping families protect their future through modern life insurance solutions that support them not only after loss, but during life’s unexpected challenges.
In addition to her work in financial protection, Ramona provides secure virtual tax preparation in all 50 states through her partnership with One Stop Taxes, making it easier for individuals and families to navigate tax season with confidence and clarity.
Her mission is simple and steadfast: to serve with excellence, compassion, and faith—empowering every client to make confident, informed financial decisions at every stage of life.
Our Mission
At R&A Total Financial Services LLC, our mission is to empower individuals and businesses to achieve financial independence through personalized strategies, expert guidance, and financial education, while spreading awareness and building a supportive community. Guided by values of integrity and compassion, we strive to make a positive impact on the community we serve.
.