Clients We Serve

We Understand You 

Our clients all share one thing – they buy into our core beliefs. They may be at different life stages with different needs, but they believe in our philosophy surrounding money. 

See Our Core Beliefs

Does This Sound Like You?

Your Values & life stage

 You’re a travel-loving young family who doesn’t buy into the "9 – 5, work-until-you’re-65" concept. Your goal is to spend your time exactly how you want so you can pursue work you love, while having the lifestyle flexibility to spend quality time with the people you love most. 

Your situation

You have >$200k household income and you meet one (or more!) of these criteria:

  • You have young kids
  • You have equity compensation (ISOs, NSOs, ESPP, RSUs)
  • You are a current/aspiring business owner
  • >$100k student loans

Sound familiar? Great - you can click on the life stage below for more details about the clients we help!

Recently Married Dual Income Household

Married Household with Young Children

Married Household with Teenage Children

We Understand You

Our clients all share one thing – they buy into our core beliefs. They may be at different life stages with different needs, but they believe in our philosophy surrounding money. 

See Our Core Beliefs

Does This Sound Like You?

Your Values & life stage

 You’re a travel-loving young family who doesn’t buy into the "9 – 5, work-until-you’re-65" concept. Your goal is to spend your time exactly how you want so you can pursue work you love, while having the lifestyle flexibility to spend quality time with the people you love most. 

Your situation

You meet one (or more!) of these criteria:

  • You have >$200k of household income
  • You have equity compensation (ISOs, NSOs, ESPP, RSUs)
  • You are a current/aspiring business owner
  • You have >$100k of student loans

Sound familiar? Great - you can click on the life stage below for more details about the clients we help!

Recently Married Dual Income Household

Married Household with Teenage Children

Married Household with Young Children

Married Household with Young Children

You are likely in your mid 30's to early 40's with one or both of you working. You are more established in your careers with a combined household income over $200,000. You have young kids running around which takes up most of your free time. You are still working a lot, but likely with the flexibility to accommodate your busy schedule. Your financial needs have evolved with the addition of kids – you are spending much more and you are not sure how to prioritize your excess savings.

Pain points

There's No Time

You don’t have the time to focus on your finances. You need someone to help keep you accountable. 

Lacking Direction

You feel a lack of direction/long-term strategy for what you want your money to do for you. You’re just trying to get through each day with the limited time you have!

Managing Your Debt

You feel burdened by your student loans and other debt. How fast should you be paying your debt off?

Understanding Your Cash Flow

You can’t seem to get your arms around your spending and you don’t have the time to try.

Prioritizing Your Excess Cash Flow

You feel like you should be saving for your kid’s education, but you are unsure how to balance that with saving for your own long-term future and spending money on valuable experiences now.

Protecting Your Family

You want to have a plan in place for your family in case something were to happen to one/both of you. You may have bought life insurance and completed an estate plan a while ago, but you aren’t sure if you need to make any changes.

You Need A Personal CFO

You work with other professionals (estate attorney, insurance, CPA, etc.) but lack a single point of contact to coordinate communication amongst them. You'd appreciate someone who sees the full picture. 

Evaluating Investment Strategy

You don’t feel like you have a holistic investment strategy for your household. You’ve been saving into employer-sponsored plans, but may want to build more flexibility to use your savings earlier in your life.

Primary Values:
  • You want to be present and provide for your children.
  • You want to invest time in your marriage and take time for yourself.
  • You’d rather spend money on experiences as opposed to things
  • You love to travel - learning new cultures, trying new food and seeing new places. It’s something you want to share with your kids.
  • You want flexibility and optionality – you don’t want to be held down by a specific plan in the future.
  • You acknowledge that time is your #1 asset and you want to be sure you are using it in the best way.
  • You want your work to be your passion. If not, you are open to changing that.
Initial Goals:
  • Work less, or in more flexible terms, to allow you more time to spend with your family.
  • Feel a better sense of direction with your finances. Ensure both spouses are working towards common goals with their money.
  • Have fun and invest in your family’s personal happiness – travel and experience new things together.
  • Understand the various tradeoffs for certain decisions you can make (ex. home renovation, starting a business, working part-time, 2nd home purchase, paying down mortgage, etc.).
  • Simplify financial decisions; life is already too complex.
  • Re-evaluate your living situation as you feel you are outgrowing your home.
  • Have a dedicated person for you to brainstorm goals, fears and opportunities with. An objective third party to help navigate you through various decisions.
  • Reduce the financial stress in your household; have the peace of mind you are doing the right things with the right guidance.
  • Be kept accountable for actually following through with the actions you want to complete.
Click Here to See How We Can Help

Recently Married Dual Income Household

You are likely in your late 20's to early 30's and recently married after my kick-ass wedding planner wife planned your dream wedding. You’re excited to start this next chapter of your life – you are earning over $200,000/year in combined income and recognize there are many important financial decisions that now involve the two of you. You’ve heard how money is the #1 cause of divorce and you want to be sure you are working together on the same team towards shared goals.

Pain points

Establishing Shared Goals

You want help figuring out your shared goals and how that impacts your financial decisions.

Combining Finances

There are a lot of changes to your financial situation when you get married and you don’t know where to start. You’ve probably read a few articles that say you should combine bank accounts, change beneficiary designations, file taxes jointly, create some estate documents, etc. You feel overwhelmed with the amount of decisions you need to make.

Managing Debt

One (or both of you) still has student debt and you don’t know how marriage will impact your student loan payments.

Prioritizing Excess Cash Flow

You are uncertain how to use your excess cash flow. There are too many options and it’s overwhelming. Should you pay off loans, invest for the long-term, save for a house down payment or spend on yourselves?

Spend vs. Invest?

You know it’s important to start saving and investing early, but the idea of “retirement” seems misconstrued. You want to live life now!

Merging Investment Strategies

Each of you have some investment accounts, but there isn’t one shared investment strategy across those accounts.

Navigating Employee Benefits

You are unsure which of your employee benefits you should utilize.

Planning For a Family

You are thinking about starting a family in the near future and you want to start financially preparing for it.

Primary Values:
  • You’d rather spend money on experiences as opposed to material goods.
  • You love to travel - learning new cultures, trying new food and seeing new places.
  • You want to be sure you and your spouse see eye to eye with regards to money.
  • You work hard but you play hard. You want your precious free time to be meaningful and aligned with your values.
  • You want flexibility and optionality – you don’t want to be held down by a specific plan in the future.
  • You want to spend time with friends and family.
  • You want your work to be your passion. If not, you are open to changing that.
Initial Goals:
  • Use your time and money now to travel and create meaningful experiences. You don’t want to make unnecessary sacrifices now for a life you want to live in the future.
  • Start taking guesses towards your initial shared goals and ensure you are making financial decisions that are aligned with those.
  • Get your household finances organized and make sure you aren’t missing anything.
  • Dig into your cash flow - develop an automated cash flow plan that strikes the responsible balance between paying off debt, investing and spending on yourself.
  • Develop a strategic plan for your student debt and other debt. Marriage can have a big impact on this.
  • Possibly consider buying a home in the near future, but you are not sold on the idea yet. You know having kids will have a big influence on where you want to live.
  • Create one common investment strategy across your various accounts.
  • Optimize the value of your employee benefits now that you can access each other’s employee benefits after marriage.
Click Here to See How We Can Help

Married Household with Teenage Children

You are likely in your mid 40's to early 50's with one or both of you working. Your combined household income is over $250,000. Your kids are in their teenage years and paying for college has become a primary focus for you. You are starting to think about what is next for you once your kids are in college. You may be considering moving, shifting careers or some other change once that day comes. You want to gradually start preparing for your time, energy and money to shift from your kids back to you and your spouse.

Pain points

Paying For College

You don’t know where to start in order to pay for this outrageously expensive tuition! How much should you fund? Should you pay out of cash flow? Should you take out debt?

What's Next For Us?

Your kids going to college will be an exciting, but emotionally difficult time for you. You’ve poured so much love, time and energy into raising them and you’re not sure what’s next for you.

There's No Time

You don’t have the time to manage your finances. Even if you have the ability/desire, you recognize that your time is better spent in other ways. 

Differing Views

You and your spouse may have differing views for how you are using your money.

Understanding Your Cash Flow

You can’t seem to get your arms around your spending and you don’t have the time to try.

Protecting Your Family

You want to have a plan in place for your family in case something were to happen to one/both of you. You may have bought life insurance and completed an estate plan a while ago, but you aren’t sure if you need to make any changes.

You Need A Personal CFO

You work with other professionals (estate attorney, insurance, CPA, etc.) but lack a single point of contact to coordinate communication amongst them. You'd appreciate someone who sees the full picture. 

Evaluating Investment Strategy

You don’t feel like you have a holistic investment strategy for your household. You’ve been saving into employer-sponsored plans, but may want to build more flexibility to use your savings earlier in your life.

Primary Values:
  • You want to be present and provide for your children.
  • You want to invest time in your marriage and take time for yourself.
  • You’d rather spend money on experiences as opposed to material goods.
  • You love to travel - learning new cultures, trying new food and seeing new places. You want to do more of this once your kids are in college.
  • You want flexibility and optionality – you don’t want to be held down by a specific plan in the future.
  • You acknowledge that time is your #1 asset and you want to be sure you are using it in the best way.
  • You want your work to be your passion. If not, you are open to changing that.
Initial Goals:
  • Figure out how to pay for your children’s education.
  • Start to contemplate the various opportunities ahead of you once your kids are in school – perhaps you sell your home, travel for a few months, change careers, etc. You want to understand the various financial tradeoffs of these.
  • Work less, or in more flexible terms, to allow you more time to spend with your family.
  • Feel a better sense of direction for your finances. Ensure both spouses are working towards common goals with their money.
  • Have fun and invest in your family’s personal happiness – travel and experience new things together.
  • Simplify financial decisions; life is already too complex.
  • Have a dedicated person for you to brainstorm goals, fears and opportunities with. An objective third party to help navigate you through various decisions.
  • Reduce the financial stress in your household; have the peace of mind you are doing the right things with the right guidance.
  • Be kept accountable for actually following through with the actions you want to complete.
Click Here to See How We Can Help

Let's Talk!

We invite you to stop worrying about your money and start investing in your financial future. Let's talk about how we can help alleviate your financial concerns and guide your journey to financial freedom. 

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