Everyone is at a different stage of their financial journey, that’s why we’ve created different programs for each of those different stages. Not sure what stage you’re at? Schedule a free consultation and we can discuss what option is best for the stage you are at.

Level 1: Cash Flow and Debt Management

Need a better plan for managing your debt and spending your hard-earned money? By creating a Cash Flow and Debt Management Plan we will work with you to:

  • Create a spending plan that works with your income
  • Manage your debt to determine how much to allocate toward debt and which debts to pay off first
  • Recommend appropriate cash reserves for emergencies
  • Help you begin to address your financial goals

The Cash Flow and Debt Management Plan includes:

  • Three months access to the cash flow financial planning portal
  • Web conferences with your financial coach to go over everything
  • A cash flow and debt management plan for you to implement to begin taking charge of your financial life.

Ready to begin taking charge of your finances? The Cash Flow and Debt Management Plan begins with a brief phone meeting (20-30 minutes) to discuss your situation and help you determine whether this service is appropriate for you. This meeting can be held via telephone, web conference, or in person (at our Concord, CA office) depending on your preference.

If you decide to engage us, we will ask you to sign an agreement outlining the service and fee. Once you engage us, we will work with you to analyze your current financial situation and walk you through the creation of a spending plan that you can stick to.

Level 2: Your First Financial Plan

Wondering whether you are making good financial decisions for the long-term? It’s time to consider working with a financial planner. Your First Financial Plan begins with a brief meeting (usually 20-30 minutes) to help us get to know one another and decide whether this service is appropriate for you. This meeting can be held via telephone, web conference, or in person (at our Concord, CA office) depending on your preference.

If you decide to engage us, we will ask you to sign an agreement outlining the service and fee. Once you engage us, we will work with you to analyze your current situation and identify goals that you want to reach and to develop a plan to reach those goals.

 

Additionally, we review your overall financial situation including:

  • Net Worth
  • Cash Flow
  • Debt and Liabilities
  • Insurance and Risk Coverage
  • Retirement Planning
  • Estate Planning

We will then develop your plan and determine recommendations specific to you to help you reach your financial goals. You will be able to implement the recommendations with the financial service provider of your choice. We are happy to recommend financial professionals to help you implement the recommendations, but you are under no obligation to use them.

Level 3: Comprehensive Financial Planning

Comprehensive Financial Planning is an ongoing process that adapts your plans to your evolving goals throughout your life to ensure that you are always on track. It’s about getting your financial house and goals in order and keeping them that way for life. And because your values and goals are about more than just money, we help with life planning as well. Comprehensive Financial Planning isn’t just a plan for what to do with your money, it’s a process to help you live your life consistent with what is most important to you so that you feel more satisfied and fulfilled.

If you decide to engage us, we will ask you to sign an agreement outlining the service and fee. Once you engage us, we will work with you through the following steps:

First, we work with you using this six-step framework:

  1. Agree on how we will work together
  2. Gather data about your history, values, and goals
  3. Analyze and develop an integrated financial plan
  4. Provide recommendations
  5. Put the plan into motion
  6. Monitor the progress of your plan and make adjustments as necessary.

After the initial plan is put in place, we work with you in an ongoing relationship. Life changes – sometimes in ways more significant than we can imagine. We want to be your partner in planning every step of the way. Throughout our relationship, you can expect to be in regular contact with you and to meet with you personally (virtually or in person) at least twice each year. Additionally, you will have advisor hotline access via phone/web conference to address your questions as they arise. Investment management is available for Comprehensive Financial Plan clients.