Cash

Management

"It's not about how much money you make but how much you keep..."

Cash is king in many instances and should be managed in a manner where you always have the upper hand. How you manage your income and expenses is the first step of a financial plan and sets the tone for financial success.

 

While it is easy to say, "spend less than you earn," the choices of what to spend  on are not always that simple. A lot of cash management decisions are based off of emotion and not just "good financial sense."

 

Our cash management solution helps us discover what is important to you and balances the prudent money decisions that every day life brings. Forget the benchmarks you read about and what you are "suppose" to have at your age. Cash management decisions are supposed to be about you and only you.

Spending

Plan

"A budget is like a diet, it only works if you stick to it..."

Everyone has a budget and it is quite simple, it's the total household income you make. However, no one really focuses on a spending plan.

A spending plan is taking your income and planning out your expenditures. It is one of the main pillars of a sound financial plan. How do we help you create a spending plan for you?

 

We like to get to know more about you and what is important to you. We believe that a spending plan that does not include expenditures you find important is a waste of money. So whether it be travel, saving, gifting, or paying down debt, we want to help you come up with a spending plan you will stick to.

Debt

Management

"A promise made is a debt unpaid..."

It is no secret that we live in a consumer driven world with credit card and loan companies ready to give us what we want, money we do not have.

 

There is nothing wrong with being in debt as it may be a necessity at times or even a strategy to accrue benefits on money that was going to be spent already. But what is the best strategy to pay it back and what is good or bad debt?

 

Our debt management analysis helps reveal the answer to these questions. We find the optimal solution for you to balance debt while still living a fruitful life.

QUESTIONS WE HELP ANSWER

WHAT SHOULD I DO WITH MY EXTRA INCOME?

SHOULD I USE SAVINGS TO PAY DOWN DEBT?

if i have debt, should i still travel?

should i pay-off my home before i retire?

hOW MUCH HOME CAN I AFFORD?

SHOULD I BUY OR LEASE A VEHICLE?

how much should i save for my child's college?

should i accelerate my student loan payments?