Clients We Serve



What We Stand For

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. 

Does This Sound Like You?

Everyone has unique needs, but often share commonalities. These commonalities are usually related to your stage of life. Here are a few examples of client situations where we can provide the most value.

  • Note: These examples are meant to be guidelines for you. It’s okay if you don’t fit exactly into one of these examples, but it gives you an idea about some of the common problems and opportunities that we help people work through.
  • High Income Professional with Student Debt

    Married Household with Young Children


    Recently Married Dual Income Household

    Married Household with Teenage Children

    What We Stand For

    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. 

    Does This Sound Like You?

    Everyone has unique needs, but often share commonalities. These commonalities are usually related to your stage of life. Here are a few examples of client situations where we can provide the most value.

  • Note: These examples are meant to be guidelines for you. It’s okay if you don’t fit exactly into one of these examples, but it gives you an idea about some of the common problems and opportunities that we help people work through.
  • High Income Professional with Student Debt

    Recently Married Dual Income Household


    Married Household with Young Children

    Married Household with Teenage Children

    High Income Professional with Student Debt

    You are likely in your late 20’s and recently received an advanced education degree – MBA, JD, MD, etc. and finally landed a job paying six figures. You’re excited to see your hard work pay off, but you also feel burdened by the six-figure student loan debt. The student debt was never really an option – you had to borrow it and didn’t really think about it while you were in school. Now that you’ve graduated, you are really starting to feel the student debt as the loan payments are cutting into your cash flow.



    Pain points



    Managing Debt

    The student debt is intimidating - you are unsure if you are on the right repayment plan or if you should refinance the loans to a lower interest rate.

    Directing 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 yourself?

    Balancing Priorities

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

    Navigating Employee Benefits

    You are off your parent’s health insurance and your employer benefit package is confusing. You selected the benefits, but you weren’t really sure whether those were the right options for you.

    Understanding Investments

    The whole investment world is confusing. You don’t really know where to start and probably just picked options in your employer-sponsored retirement plans without understanding them.

    Rent or Buy?

    You are currently renting, but your parents keep saying that renting is throwing money away and you should buy a home.

    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 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 significant others, 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.
    • Develop a strategic plan for your student debt and other debt - don’t just let it sit there without a well thought out strategy.
    • 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.
    • Start building solid financial habits. You want guidance on the actions you should be taking now to better set you up for long-term financial success.
    • Ensure you are investing the right way and maximizing the value of your employee benefits.
    • Consider buying a home in the near future, but you are not sold on the idea yet.

    Recently Married Dual Income Household

    You are likely in your late 20's / 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.

    Directing 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?

    Balancing Priorities

    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.

    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.

    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!

    Differing Views

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

    Understanding Your Spending

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

    Balancing Priorities

    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.

    Desiring Coordination

    You work with other professionals (estate attorney, insurance, CPA, etc.) but lack a single point of contact to coordinate communication amongst them.

    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. 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.

    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 and one of you runs your own business. 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?

    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 focus on your finances.

    Differing Views

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

    Understanding Your Spending

    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.

    Desiring Coordination

    You work with other professionals (estate attorney, insurance, CPA, etc.) but lack a single point of contact to coordinate communication amongst them.

    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.

    Let's Chat

    If you are interested in learning more about working with us, let's schedule a free, totally-no-pressure-at-all call to see how we can help alleviate your financial concerns. 


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