We meet at a local coffee shop for about an hour. No spreadsheets, no bank statements, no commitments — just a conversation. You tell me about your goals: where you are, where you want to be, what's getting in the way. I tell you about how I can help.
Just yourself. (Bring your spouse or partner if your finances are joint — these conversations work best when everyone with a stake in the finances is in the room.)
We both decide if it's a good fit. If yes, you pick a package and we book the next meeting. If it's not a fit, no hard feelings — you got a free coffee and a fresh perspective on your finances out of it.
Once you've booked a package, you'll send me your documents. I'll spend the next 1-2 weeks building your plan — budget breakdowns, debt payoff timelines, retirement projections, savings strategies. Whatever fits your situation.
The exact documents will depend on the package you book and what you need help with — but here's a general idea of what I may ask for.
A written plan sent to you 24-48 hours before our next meeting. That gives you time to read it, sit with it, and come to our walk-through with questions and suggestions.
A 90-minute meeting, in person, to go through the plan together — every piece of it, from spending categories to retirement projections — while you tell me what's working and what isn't. Then we adjust until it fits. Here's a few examples of things that may need some extra explanation or adjustment:
This is your plan. The numbers should feel like yours when we're done.
Beyond the numbers, we'll talk through how to actually live the plan: which tools and apps I recommend, how to automate the right transfers and contributions, what to watch for in the first month, and how to handle the inevitable moment when something unexpected throws the plan off course.
The final written plan, an implementation roadmap, and three or four specific actions to take in your first week. No vague "stick to the plan" advice — concrete next steps and my number for when the path becomes unclear.
This is where you take over. The plan is built, you understand the numbers, and now you go live it — set up the budgeting app, automate the 401(k) contributions, increase your loan payments, then watch the balances move in the right direction month after month.
My role now is to stay out of your way but be there when you need me. Text support starts the day you leave our plan walk-through. Got a question about whether a purchase fits the plan? Text me. Hit a wall with one of the implementation steps? Text me. Had a great month and want to share a win? Text me — those are my favorite messages.
Around two months in, we meet again in person. Two months is the sweet spot: long enough for you to have really lived with the plan and figured out what's working, short enough that we can course-correct before any small problems become big ones.
If things are working: we celebrate, make minor adjustments, and you keep going. If they're not: we figure out why and fix the plan. Plans should serve you, not the other way around. If your income changed, your situation shifted, or your priorities evolved — that's not a failure, that's life. We adjust at no extra cost to you.
What happens after
Most clients don't need ongoing support after their package. But if you do need some help with accountability, or you hit something unexpected down the road, longer-term arrangements and annual check-ins are available. But the default is independence. You should leave with the confidence to manage your own money and own your financial future.
No spreadsheets, no commitments. Just a conversation about your goals and how we might be able to help.
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