10-month program

This is the option to choose when you want a clear plan and a coach who will keep you moving on it. Over ten months, we work through every major area of your finances in order. Each month ends with a finished action, so you see progress every month instead of waiting for a plan at the end.

Ten monthly one-on-one sessions, 60–90 minutes each | A written deliverable after every session | Email support between sessions | Secure client portal for your documents and plan | Consolidated written roadmap | 12-month forward plan

• Discovery

• Spending Plan

• Goal Funding

• Debts & Credit

• Protection (Insurance)

• Estate Readiness

• Tax-Advantaged Accounts

• Retirement Readiness

• Roadmap for the Future

• Review

With a Snapshot Session, together we take a look at where you are currently and I will develop a tailored analysis based on your unique scenario. After the initial consultation, you will have one 90-minute session where we will go over in detail the written analysis and actively review the gaps. The three types of Snapshot Sessions are:

• Financial Snapshot: Assets, liabilities, income, and spending baseline.

• Budget & Cash Flow Analysis: Where your money goes vs. your priorities, leaks, and savings capacity.

• Estate Readiness Audit: Beneficiary designations, missing documents, and guardianship questions.

Focus Plans allow you to zero in on specific areas of your financial picture. These plans include two live sessions, a full written action plan, and 30 day check in with unlimited follow up. There are four different focus plans. Choose the one that fits you best:

• Debt Payoff Plan: All balances, rates, payoff sequencing, and cash flow fit.

• Credit Review & Coaching: Report walkthrough, utilization, and dispute education.

• Insurance Gap Review: Life, disability, property & casualty, and umbrella needs vs. current coverage.

• Goal Funding: One goal (home, college, sabbatical, second property): cost, timeline, monthly target, tradeoffs.

Transition packages are perfect for the person who is going through an important life change. Here are the three categories:

• New Earner Launch: A budget for your new income, match and tax-advantaged account targets, protection gaps, and lifestyle guardrails.

• Life Transition Reset: Divorce, widowhood, a new child, or a job change: cash flow rebuild, beneficiary updates, goal reset.

• Pre-Retirement Readiness Check: Retirement budget, savings gap, Social Security statement review, and Medicare timeline.