01
Protect
Life insurance with living benefits, income protection, and emergency planning to fortify your foundation.
- Living Benefits
- Income Protection
- Emergency Reserves
Protect · Stabilize · Build
Wealth By Design.
Not By Default.
BIGFACS helps families protect income, stabilize finances, reduce taxes, eliminate debt, and build generational wealth through strategic financial education and personalized solutions.
20+
Years Experience
Financial
Literacy Education
Medicare · Insurance · Taxes · Retirement
Core Services
Serving
Families Nationwide
Life Insurance with Living BenefitsMedicare PlanningRetirement StrategyEstate PlanningTax PreparationStudent Loan ConsultingWealth StrategyFinancial Literacy
Dr. Carmen Bernard
Founder & CEO · Wealth Strategist
About the House of BIGFACS
A financial education firm built on education first,
sales second.
BIGFACS LLC was founded by Dr. Carmen Bernard — a financial literacy educator and wealth strategist — to dismantle the gap between communities that inherit wealth and communities still learning to build it. We believe true protection begins with understanding.
From single mothers and retirees to entrepreneurs and high-earners, our clients are guided through a quiet, intentional process: learn the rules, protect the foundation, then build the legacy.
12+
Years Educating
2,400+
Families Served
50 States
Licensed Reach
The BIGFACS Method
Three movements.
One lifetime of impact.
Every plan we author moves through the same sequence — never out of order, never skipped. It's how durable wealth is actually built.
02
Stabilize
Debt reduction, tax strategy, budgeting, and Medicare guidance to bring order to your financial life.
- Debt Strategy
- Tax Preparation
- Medicare Guidance
03
Build
Retirement architecture, legacy planning, and wealth creation engineered for generations.
- Retirement
- Estate & Legacy
- Wealth Creation
Services
A complete advisory practice, tailored to you.
See full capabilitiesMedicare Solutions
Plan comparison, enrollment, and ongoing guidance.
Life Insurance
Living-benefits policies that protect today, not just tomorrow.
Tax Preparation
Filing, strategy, and year-round optimization.
Retirement Planning
Income architecture for the next 30 years.
Student Loans
Forgiveness, repayment, and consolidation strategy.
Estate Planning
Wills, trusts, and intentional legacy transfer.
Financial Coaching
Private 1:1 guidance to rewrite your money story.
Business Formation
LLC setup, structure, and financial consulting.
Medicare 101
Understand Medicare before you enroll in it.
Free, on-demand education sessions hosted by Dr. Bernard. No pressure, no jargon — just clarity on Parts A, B, C, D, supplements, and timing.
Episode 01
Medicare, Demystified
42 min
Parts A–D
Enrollment Timing
Supplements
In their words
The work, witnessed.
“Dr. Bernard didn't sell me a policy. She taught me how money actually works — then we built a plan together. That distinction changed everything.”
Renee A.
Retired Educator, Atlanta
“I came in for Medicare. I left with a wealth strategy, an estate plan, and a tax preparer. BIGFACS is the closest thing to a family office I could afford.”
Marcus L.
Small Business Owner, Houston
“The Protect, Stabilize, Build framework is so clear that I now teach it to my own children. That's a legacy in itself.”
Janelle W.
Mother of three, Charlotte
Community & Education
Generational wealth is a community practice.
Beyond private advisory, BIGFACS invests its time into the rooms where it is needed most — through speaking, workshops, and nonprofit collaboration.
Workshops
Quarterly Financial Literacy Workshops
In-person and virtual gatherings across underserved communities.
Learn moreKeynotes
Speaking & Stage Appearances
Dr. Bernard speaks to conferences, churches, and corporate audiences.
Learn moreNonprofit
Community Impact Initiatives
Partnerships translating literacy into lasting change.
Learn moreResources & Education
A library, a studio, a toolkit.
We're building the BIGFACS resource ecosystem — editorial writing, on-demand video, AI-assisted tools, and free downloads.
Coming Soon
The Ledger — Editorial Blog
Coming Soon
Video Education Library
In Development
AI Wealth Tools & Resources
Lead Magnets
Downloadable Literacy Guides
Client Reviews
Trusted by Clients Nationwide
Read what clients are saying about their experience with BIGFACS Wealth & Financial Consulting Services.
Rated 5.0 on Google Reviews
Contact · Consultation · Clarity
Start Your Financial Reset.
Personalized guidance designed to help individuals, families, and business owners protect, stabilize, and build their financial future.
How We Help
Life Insurance & Living Benefits
Protection that works while you're still living.
Medicare Guidance
Plain-language help with Parts A–D and enrollment.
Student Loan Solutions
Forgiveness, repayment, and consolidation strategy.
Financial Reset Consultations
A clear, judgment-free starting point.
You do not have to navigate financial decisions alone. BIGFACS helps simplify complex financial situations with personalized education and strategic guidance.