Welcome to IamTW-online.net. This personal website offers research material and resources for one's personal needs and development, especially when expected changes may affect their finances. My mission is to encourage and help individuals and families achieve their personal goals and financially prepare for life-changing commitments. This website is not an insurance or investment company, neither affiliated with any other insurance or investment company, or professionals mentioned on this page.  It does not collect any premiums or issue policies; however, it contains resources and contact information to qualified professionals, who offer general knowledge regarding various aspects of their lives. Feel free to retrieve informational materials, utilize financial tools, or contact any of the listed organizations to help you with your specific needs, at your own discretion. Thank you for visiting, and I hope that these wonderful resources are helpful to you.