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Niv Persaud

CFP®, CDFA™, CRPC®
Personal Finance, Retirement, Lifestage Based Planning
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“Helping clients with money, life + work”
Firm:

Transition Planning and Guidance, LLC

Job Title:

Managing Director

Biography:

Niv Persaud, CFP®, is the Founder of Transition Planning & Guidance™, LLC. Life is more than accumulating money – it’s about living the lifestyle you envision and can afford. Over the years, life has become more complicated. What used to be normal expectations have shifted. We’ve redefined many long-held ideas about lifestyle and retirement.

For that reason, when Niv helps clients she looks beyond money. She incorporates all aspects of life. Her approach capitalizes on techniques she learned throughout her career, including as a management consultant, executive recruiter, and financial advisor.

Niv developed the 5 P’s of Life (Personal Relationships, Personal Finance, Profession, Peace of Mind, and Physical Health) to help clients define what they want from life. Once she understands their vision, she can help them save for their lifestyle.

She is frequently quoted sharing her insights on money and life. She has been quoted in Forbes, Reuters, CNBC, Money, and USA Today.

Niv has over 20 years of business experience as a strategy and finance executive. Her work history includes firms such as Korn/Ferry International, Northern Trust, Merrill Lynch, and Commerzbank AG.

She attained her Certified Financial Planner™ professional designation in 2005. She also holds a Chartered Retirement Planning Counselor℠ designation and a Certified Divorce Financial Analyst® designation. She graduated from Georgia Institute of Technology with a Bachelor of Industrial Engineering which established a strong foundation in her analytical and business skills.

Niv actively gives back to the community through her volunteer efforts. She is Chair for the Financial Planning Association of Georgia. She is a Board Member for Zoo Atlanta and for CCT-Atlanta (a nonprofit organization providing management consulting to other nonprofits). Historically, she served on the Georgia Tech Women Alumnae Network Board and the Georgia Tech Women Resource Center Advisory Board. She has held leadership positions with her church which has over 2,500 members.

Niv believes in living life to the fullest by cherishing friendships, enjoying the beauty of nature and laughing often -- even at herself. Her favorite quote is by Erma Bombeck, “When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say ‘I used everything you gave me’.”

Fee Structure:

Fee-only | retained basis

CRD Number:

4518325

All Answers
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Most Helpful
    Social Security, Retirement Plans
Should I begin collecting Social Security at age 62 when I retire or at age 67, which is my full retirement age?
80% of people found this answer helpful

Your Social Security benefit is based on your 35 highest earning years. If you've worked less than 35 years, then zero will be included in the calculation. For each year of deferral from age 62 to age 70, there is approximately a 7 percent increase in benefits. If you visit your local Social Security Administration office, they can review your options.

April 2019
    Financial Planning, Investing, Bonds / Fixed Income, Starting Out
I'm 46 years old and have no savings, but I have $1,000 to start investing; where do I start?
75% of people found this answer helpful
May 2019
    Retirement, Estate Planning, Investing
How can I make my $250,000 inheritance last for retirement?
50% of people found this answer helpful
April 2019
    Retirement, Investing
What allocation strategy do you recommend for those approaching retirement?
40% of people found this answer helpful
December 2017
    Debt, Personal Finance
Which is the better option to pay off debt?
22% of people found this answer helpful
May 2017