Every engagement is built around the same five pillars — because a plan that ignores one of them isn't a plan, it's a guess.
The whole picture, in writing: your goals, your debts, your savings, and the order to tackle them in. We inventory where you stand today, name where you're headed, and lay out the steps between the two — in plain English you can hand to your spouse or your kid and have them understand.
What you'll need, what you have, and the gap between them — calculated honestly, not optimistically. Social Security will replace about 40% of pre-retirement earnings on average, per the Social Security Administration. The rest has to come from somewhere, and we'll help you see exactly where you stand.
College costs what it costs — the question is whether you planned for it or got surprised by it. We walk through the options families actually have: 529 plans and their state tax angles, savings cadence by your timeline, and the honest trade-off between funding college and funding your own retirement (hint: your kid can borrow for school; you can't borrow for retirement).
Insurance is the anchor nobody looks at until the storm hits. We read what you carry — life, disability, home, auto, umbrella — and tell you what it actually covers, where the gaps are, and what you're overpaying for. We don't sell policies, so there's nothing for us to push.
The foundation under everything else. Where does your money actually go each month — and where do you wish it went? The Federal Reserve found that only 63% of adults could cover a $400 emergency with cash or its equivalent. We build you a spending system that makes you one of them, then keeps you there.
That's what the first conversation is for. We'll help you figure out where to start — free, no pressure.
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