

Credit Restoration & Education
Income & Business Growth
Legacy Planning
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Affiliate & Referral Disclosure
This page contains affiliate links to United Wealth Education (UWE) and United Credit Education Services (UCES).
When you sign up for services through these links, I may receive a commission as an independent affiliate.
I am also able to offer you support with setup, budgeting consultations, and ongoing assistance as part of my services.
The products and services are provided directly by UWE and UCES, and I only recommend solutions I believe can genuinely help improve your
financial wellness and credit health.
Professional Tax Preparation Services
Nicolette Management LLC provides professional tax preparation services.
Nicole (Nikki) Charette holds IRS credentials including PTIN #P03198192.
We prepare federal and state income tax returns for individuals and businesses using professional tax software.
For tax preparation services, contact us directly or use our Tax Trac software for DIY preparation.

Credit does not care about your circumstances.
It does not know your story.
It just keeps score, and if nobody ever taught you the rules of the game, a low score will cost you more than you know.
There was a point in my life I thought I understood credit. Life was good. But then life started "lifeing" like it has the tendency to do. I found myself in the middle of something I did not truly understand how to navigate. And while I knew credit was important, I did not understand the repercussions of bad credit because I had never had it before.
I knew that if I expected things to change, I needed to take back control.
That is exactly why I wrote this book.
Simply Credit was written for anyone who has been denied, overlooked, or left confused by a system nobody ever properly explained to them. Whether your credit needs minor repairs or a complete overhaul, this guide gives you the knowledge, the steps, and the confidence to take control of your financial story starting TODAY.
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Professional Credentials:
- 2-15 Insurance License
(FL): #W706281
- IRS PTIN:P03198192
- Certified Wealth Educator
- Florida Notary Public
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