I’m Charly Stoever,a former stockbroker, turned money coach helping LGBTQ+, BIPOC, first-gen, and neurospicy folks build wealth in systems that were never designed for us. I don’t believe in restriction or that you can budget your way to retirement. You just need to stop being afraid of being rich and give every dollar a purpose.
I have an unfair advantage.
Before coaching, I worked in finance as a licensed stock broker, who would buy and sell Apple, Facebook, and Amazon stock for people who didn’t really need my help-they already knew what to do and what questions to ask to make their investments pop off.
I saw:
Marginalized people didn’t learn about investing growing up, and when they feel like it’s time to, they find misleading information on Tikok. I learned about investing on the trading floor.
Avoiding investing isn’t resisting systems of oppression. Ownership is.
Capitalism doesn’t profit from you feeling confident.
It profits from you feeling:
Capitalism is doing just fine without your participation.
Capitalism wants you to just buy products and be a good consumer, instead of owning the means of production as an investor.
My story as a first gen, queer immigrant. I was born in Morelia, Mexico. My family immigrated when I was three. I grew up undocumented. I grew up with a scarcity mindset and not understanding investing. I was told not to take out credit cards and to avoid investing becasuse it was a casino. I grew up believing money meant “be careful” and “that’s too exepnsive.” I was raised to be in reactive, saver money mode, and that something someday would magically take care of me financially in the future. I quickly learned that investing for retirement isn’t a “future me” problem, but something that I should tackle as soon as possible so that my investments could grow over time and so that I could retire well before 65. I’ve never earned a six-figure 9–5 salary.
My highest salary was $45,000, and I still built a six-figure net worth in my 30s.
I did it by maximizing where my cash is parked, by making passive income from credit card rewards that boosted my credit score, and by investing in the right accounts consistently and without needing to day-trade.
Most financial advice assumes:
That’s not reality for most of my clients.
Real disruption isn’t avoidance. It’s becoming Capitalism’s worst nightmare. Becoming capitalism’s worst nightmare means taking ownership of:
You’re not opting out by not investing.
You’re opting out of building wealth and you make yourself and your community more vulnerable.
Imagine if more of us owned assets. If more LGBTQ+, BIPOC, and first-gen folks:
Owned stocks
Understood the big picture of how markets work
Invested confidently in the right accounts
Stopped believing investing is “not for people like us”
The financial world would look very different.
Power shifts when ownership shifts.
Retirement, Reimagined.Retirement
isn’t about rotting on a beach at 65.
It’s about:
Freedom
Options
Working because you feel fulfilled, not because you need to keep the lights on
I help my clients:
Crush debt strategically
Boost credit scores
Stop living paycheck-to-paycheck in their mind•
Invest confidently (yes, even during dips)
Build six-figure retirement portfolios
Even without six-figure salaries.
We focus on:
Strategic saving
Intentional spending. Boost credit scores.
Confident investing
Healing your relationship with money so you’re excited to see your net worth grow
What makes my coaching different
We’re building wealth juntos, juntas, y juntes.
