Consultation – Attend your Virtual Meeting and this fee is refunded.


Joy Goulet – Jones, CLTC has specialized in Asset Based Retirment Planning since 2011.  Proper Retirement Planning is no longer reserved for the ultra-wealthy.  Joy overviews strategies that can supercharge your retirement!

When choosing an expert to help you plan for something as important as retirement, Joy brings something extra to the table. Her CLTC designation basically means she has extra training to help her client’s get a realistic plan to avoid a Medicaid Spend Down Situation. Many planners are ignorant about the negative emotional, physical and financial implications a Medicare Spend Dwn situation can have on families.



You’re in expert hands virtually planning with Joy.

She has been working virtually via screen sharing or, webinar technologies, since 1996. Wow, you say? Yes! That’s because her formal training was in software engineering. She retired from custom large scale software design after Y2K, (2000) mainly to stay home with her young children. Once they because more self suficient, she became interested in helping client’s plan for retirement.

Since Joy works virtually, she is currently licensed in 22 states. She has experience in helping clients in several important aspects of retitement planning.

Now her main focus is:

Rapid Debt Elimination using Interactive Disruptive Technology,

Living Benefits,

Tax Free and Risk Free Retirement Planning.

What are Living Benefits you ask?  Those are benefits you don’t have to die to use! Schedule your no obligation consultation with Joy today.  If you keep your scheduled appointment with Joy, your consultation fee will be refunded in full.



Vendor Information

  • Store Name: Convert Your Debt To Wealth Financial GPS
  • Vendor: Joy Goulet Jones
  • Address: 1505 Wandering Trail
    Woodway, TX 76712
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