FINANCIAL PLANNING

financial planning -

by a financial therapist

we go beyond the basics, helping you budget for the essentials plus the extras—like vacations, gym memberships, or your weekly manicure. from emergency savings to long-term goals, we meet you where you are (literally) to create a plan that reflects your life and personal goals.

we plan your budget

we take a full-picture approach to budgeting -- including living expenses like rent and groceries, and "fun" expenses, such as manicures, gym, and vacations! our goal is to build a realistic, sustainable budget that supports your lifestyle.

we review your goals

once your budget is set, the next step is to build an emergency fund tailored to your career and income stability -- we always suggest an emergency fund of 3-4 months of expenses. we also help plan your medium to long-term goals, including home, college, and planning for retirement.

your home, our office

we believe the best financial conversations happen in a space where you feel at ease -- and it is also where our best work gets done! that's why we come to you -- to review your documents, budget, and listen to goals. from there, we build a plan that is personalized for your life goals.

case example

one of our clients of over 20 years – a gifted nurse with a photographic memory – who raised two sons by herself, accumulated $20,000 in credit card debt. as a result, she was living paycheck-to-paycheck, due to the credit card’s interest expense. jay worked with mortgage brokers to refinance her home to take cash out – enough to pay off her debt plus an extra $10,000 for an emergency fund. her mortgage ended up with a lower interest rate and lower monthly payments, allowing her to save monthly and also contribute to retirement. she is now 10 years retired, comfortably living on her social security with no debt and her house paid off!