This package is for those of you who need to get control over your money right now and need some strategies that are easy to understand and put into place.

In this package you will receive a customized cash flow plan for the year to help you focus on managing your spending, increasing your savings, and reducing your debt (if applicable).

We will meet three times for one hour each.

1. Our initial meeting is to determine your goals, needs, and values and for you to share your information with me (assets, liabilities, income & expenses).

Between our first and second meeting I will analyze your situation and create a plan of action.

2. Our second meeting is to go over the recommended strategies to kick-start your financially empowered future.

3. Our third meeting will take place roughly 6 weeks after our second meeting during which you have time to digest and reflect upon the recommendations, work on implementing the strategies and, at our meeting, provide feedback if unforeseen obstacles have been encountered or if a change of strategy is in order.

This comprehensive financial plan aligns and integrates your values and priorities with your financial resources so you can provide for and protect your family financially.

This plan includes ideas, suggestions and alternatives to help you:

1. Manage and improve your cash flow, reduce income taxes, reduce debt, and increase your net worth.

2. Determine your financial responsibilities in the event of your disability or death, the resources you have in place and the resources needed (income, assets, insurance) to meet your obligations.

3. Identify the retirement savings plan most appropriate for you and also your risk tolerance and risk capacity in order to develop an asset allocation for your retirement plan investments.

4. Identify basic estate planning strategies for your financial situation and family structure.

Two meetings are included: One to review the plan & recommended strategies and one follow up appointment.

I’ve created this unique one year program to help you re-write your financial life story using the proven 12 step program used by other organizations.

Through this process you will learn how to mindfully manage your spending, strategically decrease your debt, diligently increase your savings, and eliminate “money leaks” so you can do more of the things that matter to you in life and have peace of mind about your financial situation.

During the course of our work together:

You will communicate your needs, values, goals and obstacles and share your financial information.

I will listen to you, analyze your financial situation and provide ideas, suggestions and alternatives to improve your financial situation and be willing to revisit strategies to find the best fit for you. In addition, I will collaborate with your other advisors and counselors with your permission and upon request.

We will identify your sources of income, discuss spending, saving, and debt reduction and address how your financial decisions have affected your relationships and how you will choose differently going forward.

This customized comprehensive financial plan aligns and integrates your values and priorities with your financial resources so you can move forward confidently. It is suitable for anyone from the beginning of their career to within a year of retirement.

Your plan will include analysis of and recommendations (ideas, suggestions & alternatives) for:

1. Managing and improving your cash flow, reducing income taxes (now and in the future), reducing debt, increasing savings and increasing your net worth.

2. Determining your financial responsibilities in the event of your disability, death or long-term health care need, the resources in place and the resources needed to meet your obligations.

3. Identifying your risk tolerance and risk capacity to develop an asset allocation for your investments that will help you achieve your goals and invest with your values.

4. Defining and financing your vision of retirement, including an analysis of Social Security and pension plan benefits.

This is a retirement distribution plan focusing on the details of cash flow (pension, Social Security, investment income, annuities versus living expenses), income taxes, and investment allocation in collaboration with the clients’ other advisors (CPA, investment manager) throughout the year.

Financial Wellness in the Workplace is a unique offering to complement any existing wellness initiative, focusing on financial well-being. A person stressed due to financial concerns may incur any number of undesirable outcomes including sickness, accidents, reduced productivity, theft, fraud and so on.

The 8 week course is offered on site in one-hour sessions and includes a customized workbook that coordinates existing employee benefit programs (such as employer-sponsored life and disability insurance and retirement programs) with each employee’s unique goals, dreams, fears and resources.

Financial Wellness in the Workplace are priced individually.