Your DDJA Team

Pamela Capalad, CFP®, AFC® | Financial Coach

I devoted my life to financial literacy to help you get to that place in your life. You know that place. That place where you close your eyes and feel perfectly at peace and energized all at the same time. That place where you know you’re at your best, that you were somehow built for this, this thing you’re doing that you can’t believe you get to spend your life doing.

Life isn’t about cringing every time you run your credit card through a cash register or dodging calls from bill collectors. It’s not about the next paycheck, next rent check, next job, next in line.

Life is about finding your why.

So here’s the deal – you have the why, I have the how.

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Dyalekt | Financial Educator

As a mixed race Caribbean kid, I had trouble figuring out where to find roles that I felt comfortable playing. I started writing for myself and others by turning my music into plays. Every piece I create has an educational component. It's the 'each on teach one' part of Hip Hop.

I've been an entrepreneur since my teenage days, and tell my students that the only thing that gets me out of my house before 10am is talking to kids. Since the essence of Hip Hop is making something from nothing, I have rapped, written, and performed every freelance gig available to my skill set.

I linked up with Pockets Change and cohost the Brunch & Budget podcast to help people find freedom in expression, understanding, and their finances.

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Darren Liddell, AFC® | Financial Coach

My passion for personal finance began while I was growing up. I was always eager to learn more about money and always tried to stretch my dollars as far as possible. I spent summers watching my dad give personal finance seminars while witnessing many in my family and community struggle to never quite have enough to stop worrying about money.

Both my parents come from large families and I was made aware at a very young age the importance of being there to support family in times of need. This led me to determine that I wanted to work to impact the lives of People of Color and help them to achieve their long-term financial goals.

I want to break the barriers of the racial wealth divide and work to achieve worldwide racial wealth equity.

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Nicole Gomez | Operations Manager

In 2008, I landed an EA role at a financial firm and I learned more than I could’ve ever imagined!  No one I knew growing up in East Flatbush, Brooklyn had a Trust, a Will, a whole life insurance, a disability policy, assets or a financial planner!  What the heck were these things?  Guess only high net worth individuals needed them, unlike me!

Then it hit me…..geez, how much better would my parents be doing right now in retirement had they invested ANY of their money in ANY thing?  They both came to NY as young children from Puerto Rico and they each had been working their butts off since they were teens.  

Why did they both work so hard all their lives and now, in retirement, have hardly anything to show for it other than the family house?

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