The Blog Teresa M. Schoendorf, is a Registered Financial Representative who advocates for tax-free income and specializes in estate and retirement planning for individuals and businesses. She helps people create true financial freedom with debt management, defined benefit plans and specific types of life insurance offering tax advantages, tax free income and protection from financial losses. Prior to a career in finance, her background was in the arts, health and wellness business development and real estate investing. After many years as a New Yorker, she now lives full time in South Beach, Miami, Florida where she serves her neighbors and community in the world of financial services and has clients across the United States.