Temi Carda, CPFA - Financial Advisor

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United States
Minneapolis, MN
Temi Carda, CPFA - Financial Advisor

Financial Advisor at LaLonde Wealth Advisor Group Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC.

My decision to become a Financial Advisor is deeply rooted in my passion to work with and guide others towards personal, professional, and financial success.

🤝🏻 With a life-long relationship as the goal, my focus with clients is to identify their needs, clarify their values, and develop a strategy that can grow with them over a lifetime.

✍🏼 I work with individuals and families at any stage in th

eir financial journey, whether they need help sorting their personal priorities or they’ve already named their financial goals. To do this, I take a proactive approach to help clients address opportunities and challenges that come up, while providing clients with a high level of service and financial literacy education along the way.

🗣 When working with me, you start an ongoing conversation that is built on transparency and trust, and you receive an ally for your financial life moving forward, every step of the way.

🏄🏼‍♀️ In my spare time, I enjoy golfing, fishing, wakesurfing, snowboarding, snowmobiling ,and get even more enjoyment from doing these activities with my fiancé, Nick, and our dog, Otis. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 2701 University Ave SE, Minneapolis, MN 55414. Direct: 612.431.7392 Office: 612.617.6000

09/25/2025

When it comes to money, sometimes the simplest strategies are the most powerful.

You’ve been putting in the effort to build a solid financial plan, and whether you’re growing a family, planning for the future, or just trying to feel a little more in control, you deserve the confidence and clarity.

But here’s the thing: you don’t have to figure it all out alone. If you ever feel stuck, unsure, or just want a second opinion, that’s what financial professionals are here for—we’re your support system, not your judges. 🤝

Got questions? Let’s grab a coffee and talk through them. No pressure, just a real conversation about what matters most to you.

09/23/2025

You’ve probably heard the phrase “pay yourself first”—and while it’s not a brand-new idea, it’s still one of the smartest financial habits you can build. 💸

It’s easy to get caught up in everyday expenses, but setting aside even a small amount for your future self—before anything else—can make a big difference over time. The good news? If your job offers retirement benefits, you can automate those contributions so it happens without you even thinking about it. 🙌

It’s not about sacrificing everything now—it’s about striking a balance between living well today and preparing for tomorrow.

Want to get more intentional about saving for retirement? Let’s connect and map out a plan that fits your lifestyle now and sets you up for success later. 💬📈

09/17/2025

Even if your kids are still young, it’s never too early to start teaching them about money. The habits they form now can shape how they handle their finances for years to come.

You don’t need to overcomplicate it—start small! An allowance tied to chores or helping them build a basic budget for spending and saving can go a long way in teaching them how money really works.

These early lessons stick. Whether it’s saving up for something they really want or understanding the value of a dollar, you're giving them tools they’ll use well into adulthood. You don’t have to get it perfect—just start the conversation.

09/10/2025

If you’re in your 50s, life probably looks a lot different than it did just a decade ago. The kids may be off at college or starting their own careers, and you might be in your peak earning years—with more financial flexibility than ever before.

That makes now a perfect time to check in on your financial goals and see if you’re really on track for the retirement you’ve been working toward. Here are a few key questions to ask yourself:

🔹 Do you know what your retirement budget will look like?
Start crunching some numbers. You might discover you have more room than you thought for travel, hobbies, or finally pursuing that passion project.

🔹 Have you run income projections for retirement?
Online calculators can give you a quick estimate, but a financial advisor can help break down where your money will actually come from—like Social Security, retirement accounts, or tax-free investments—so you can plan with confidence.

🔹 Have you thought about long-term care?
It’s not the most fun topic, but planning ahead for healthcare expenses can protect your retirement savings and give you peace of mind.

You don’t need to have all the answers—but there's no better time to start asking the right questions. If you’d like help reviewing your plan or figuring out where to start, let’s talk. I’m here to help you prepare for what’s next.

09/08/2025

If you’re in your 40s, you probably know the feeling of being pulled in a dozen directions at once—career, kids, family, home… it’s a lot. And with so much going on, it’s easy to put your finances on autopilot.

But this is actually the perfect time to hit pause and check in: Are you on track for the retirement—and future—you want?

Here are a few key areas worth reviewing:

🔹 Are you saving for retirement beyond your workplace plan? Having multiple types of accounts can give you more flexibility and options when the time comes.

🔹 Have you started saving for your kids’ education? Even small, consistent contributions now can go a long way later.

🔹 What’s the status of your debt? If credit cards, student loans, or other balances are weighing you down, now’s the time to create a plan to tackle them.

🔹 How’s your health? It might not seem financial, but health and wealth are deeply connected. Staying proactive with your well-being now can help you avoid costly surprises down the road.

You don’t need to have everything figured out—but taking action now can make a big difference. If you're unsure where to start or how to prioritize these goals, let’s connect. I’d be happy to help you build a plan that works for this stage of life—and the next.

09/04/2025

You’re doing a lot—between your job, your family, managing your finances, and somehow trying to have a life in between... it’s a lot to juggle. 🎯💼💬

But here’s the thing: you don’t have to do it all on your own. You don’t have to perfectly manage every dollar, deadline, and decision while spinning every other plate.

Working with a financial professional can help take some of that weight off your shoulders. Together, we can build a plan that fits your lifestyle, frees up your time, and helps you focus on what really matters to you. 🙌

Let’s connect and start turning those financial to-dos into a plan you can actually stick to—with way less stress.

09/01/2025

Happy Labor Day!

Take some time today to relax and enjoy the time with your family and friends!☀️

08/26/2025

Think back—did your parents teach you how to budget, save, or talk about money openly? Whether they did or didn’t, you have the chance to shape your kids' relationship with money for the better. 💬💰

Even small things—like involving your child in grocery shopping with a set budget or sitting down with your spouse to set monthly savings goals—can plant the seeds for lifelong financial habits. 🛒📊

Money talk doesn’t have to be complicated. When your family works together as a team, you're building financial confidence and setting up your kids for success down the road.

08/21/2025

Whether your kids are still little or already teenagers, college will be here before you know it—blink, and they’ll be packing their bags! 🎒🎓

That’s why starting to save early can make a huge difference. The more time you have, the more you can grow those education funds without feeling the pinch later on.

A 529 plan is a popular choice, but it’s not the only option out there. If you’re not sure where to start or want to explore what fits best for your family, let’s connect! We can chat about your goals and come up with a plan that works for you. 💡📈

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing. Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan.

08/18/2025

re you juggling the needs of your kids while also caring for your aging parents? If so, welcome to the “sandwich generation”—a group doing one of life’s toughest balancing acts. 🥪💼👨‍👩‍👧‍👦

Taking care of both your parents and your children isn’t just a big time commitment—it can also be a huge emotional and financial challenge.

If you’re feeling overwhelmed or if the financial stress is starting to pile up, you don’t have to handle it alone. Reach out to me, and let’s create a plan that gives you more confidence during this busy season of life. 🤝💬

08/15/2025

You’re working hard to build your financial future—so why leave it unprotected? 🤔

Insurance might not be the most exciting part of a financial plan, but it’s one of the most important. Without the right coverage, one unexpected event could undo a lot of the progress you’ve made. Whether it’s your health, home, car, or income, protecting what matters most is key. 🛡️💼

Not sure where to start? Let's connect! Together, we’ll walk through your options and find what fits your needs. 🤝

08/12/2025

If you're early in your career, retirement might feel light-years away—but do you know where you really stand on your financial journey? 🗺️💼

Even if progress feels slow, you could be further ahead than you think. Small steps like contributing to your 401(k), building an emergency fund, or budgeting consistently all add up over time. 📈💡

So—based on your current habits, do you think you’re on track? Or maybe you’ve hit a few bumps along the way? Either way, if you stay consistent and align your financial moves with your values, your future self will thank you. 🙌💰

Not sure where to begin or how to stay on course? Let’s connect—I’d love to help you build a plan that fits your lifestyle and your goals. 🤝

Address

2701 University Avenue SE
Minneapolis, MN
55414

Telephone

+16124317392

Website

https://www.lwag.com/

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