January 6, 2017

BUDGE Coach: Make real financial change, still live your life.

| Get clarity on your goals and financial future |

| Feel confident that you’re making the right financial decisions |

| Have time to focus on what matters most to you |

Make real financial change and still live your life.

Let's do this.

BUDGE Coach is perfect for you if:

You’re excited to make a real change and are ready to be held accountable to the commitments you make
You’re ready to do some candid self reflection on where you are with your finances, where you want to be, and what it will take to get there
You want clarity on what progress looks like, how much progress you’re making, and where you need to improve
You need someone to guide you through where to start, help make sense of everything, and act as your financial advisor, coach, and cheerleader
You’re open to experimenting, learning, and don’t mind putting a little time and elbow grease into tracking your finances
You want to finally have a healthy relationship with money (and if you’re a couple, have a healthy relationship with each other about money!)

Here's how we'll work together:

STAGE 1 | Let's Get Organized

The first step is to figure out exactly where everything is. Let’s get to work and dig deep.

Discuss your goals, set up your financial portal, and organize your spending 
In Stage 1, we'll get more clarity on your goals and what you want to accomplish together. You'll begin to get clarity on your income and spending picture as we closely examine your expenses and give you space to reflect on your spending values.

12-month cashflow, spending targets, and savings goals
We will build out 12-month cash flow projections for your income and expenses (both business and personal if you have any freelance income!). We will put together a preliminary monthly budget and also have recommended spending targets for specific categories and savings goals for you to work towards.

STAGE 2 | Let’s Get Real

Here's to looking at the facts and making realistic commitments for yourself.

Go over entire Budge Blueprint and put together action steps list
After we gather more info from you, we'll put together your entire financial plan in the form of an easy to read, easy to update Budge Blueprint (click for detailed PDF).

This includes a full credit analysis, investments, taxes, insurance, and estate planning. We'll go over the whole thing and decide how you want to implement everything we talked about using the Budge Action Steps list.

STAGE 3 | Let's Make It Happen!

It’s time to get to work and let the rubber meet the road, in a way that works for you. 

You choose from one of two tracks:

Accountability driven - focus and habits: Monthly 15-minute laser focused Update Calls
This option is perfect for you if you need help changing habits, shifting your money mindset, starting to save, paying down debt, and getting your financial sh*t done. Each call will focus on one big action or a few small actions for you to do that month, along with one habit you want to practice.

Advice driven - big picture and ideas: Bi-monthly 30-minute big picture Update Calls
This option is best if you are ready to talk through next level financial ideas, like how to invest a chunk of your savings, purchase rental property, grow a business, and run retirement projections. The longer calls will give us time to flesh out ideas, run analysis and reports on the spot, and make big decisions.

(And you'll have unlimited email support in between for anything else that comes up!)

Here's everything we will cover:

We'll get to everything, promise 🙂 

Getting to financial clarity doesn't happen overnight, but we will be with you every step of the way to make sure you're making progress on your actions, habits, and goals. Here's what we'll be working on together:


Know exactly how much you're making and spending each month and be able to plan where you want it to go


No more guessing how much you can put away each month and where to put it. Know much to put towards savings and streamline your bank accounts


We will do a full credit score/report analysis so you know exactly how to increase your score over the next 1-2 years and be in a good position to reach big goals


Should you do a balance transfer? Consolidate? How do you manage student loans? What are your best options are for paying down debt while still saving?


Should you be contributing to your 401k? Traditional or Roth? How much should you start investing each month? What should you invest in?


Are you maximizing your current tax situation? What can you deduct as an employee or freelancer? Are you letting the government borrow too much of your money?


We'll go over your health, life, disability, home/renters/auto insurance, oh my! We'll make sure the assets you've built are properly protected.


We'll talk about what will happen (to your money) when you die. Do you need Will? Health care proxy? Power of Attorney? All of the above? Are your beneficiaries listed correctly?

Let us be your financial advocates

Sometimes, the hardest part about getting your financial stuff done is knowing what to say to that financial institution on the phone or how to answer that weird question on an application. Now you have us on your side.

A huge part of the work we do and how we can serve you is to be your financial advocate by being on the phone with you and making sure we ask all the right questions to your student loan carrier or debt collector or doing a screen share together to finally open that IRA or apply for a new credit card.

We've got your back.

Hello, Tomorrow is Calling

Your finances and your goals are a constant moving target, but by this point, you’ll understand this whole financial planning thing is actually a lifelong process in disguise!

Once we set a foundation for your finances, we'll be able to get you to the next level.

Budge Coach will be with you every step of the way for all the new decisions you need to make and new opportunities you're ready to take.

Here's what's included:


3 Strategy Calls to put together your plan

Strategy Call 1 will get you going on your expenses, Strategy Call 2 will be a full blown 12-month cash flow review, and Strategy Call 3 will be your entire Budge Blueprint. These calls will happen within 6-8 weeks.

Monthly or Bi-Monthly Checkins

Based on how often you want to meet and how much to want to cover, we will either meet once per month for 15 mins or once every 2 months for 30 mins to make sure you're making continuous progress

Financial Advocate Calls

It might be calling a collections agency, student loan servicer, your accountant, or some other financial entity and you have no idea what you need to say or ask. We'll jump on the phone with you and have your back

Your Personal Financial Portal

Finally, everything in one place. Your financial portal will have all of your accounts linked, all your expenses, balance sheet and investment allocation reports, a place to upload private/sensitive documents, and best of all, the ability for us to see everything you see.

Your Action Steps List

After putting that big Budge Blueprint together, it can feel like everything is priority. We'll help you not only keep track of everything, but also give you total clarity on what to focus on and prioritize each month. 

Unlimited Email Support

Never ask google for financial advice again. Email us whenever you need help on something, whether it's an offer for a credit card, a weird email from work, or if you're wondering how to afford a big purchase. We'll help you figure it out.

BUDGE Coach is NOT for you if:

∞ You’re looking for a “quick start” plan or financial planning advice by the hour
∞ You don’t have the time to commit or room in your schedule to examine your finances more closely
∞ You’re looking for the next money “hack,” shortcut, hot investment tip, or tax loophole
∞ You want us to do all the work for you
∞ You’re not ready to unpack your financial baggage or talk about your relationship with money
∞ You don’t trust technology and don’t want to put all your information (or feelings!) in a website (even if it’s bank level encrypted)
∞ You never check your email (seriously, a lot of the work happens through email!)
∞ You want to meet in person regularly (everything is done virtually)

Listen, we know what we're asking you to give up.

Before we get to the actual cost, we want to address something. Paying a monthly subscription for financial planning can feel like a stretch. It might feel like one less date night a week, one less shopping spree, one less new gadget or pair of sneakers, one less weekend trip.

We know every dollar counts and we know your time is precious. We understand what is at stake. What if you do this and nothing changes? What if this doesn't work?

We can't make any guarantees (literally, it's illegal for us to make any guarantees as a Registered Investment Adviser!), but what we can tell you is that we have dozens of 1-1 clients, met with hundreds of people for Brunch & Budgets, workshopped with hundreds more, and we know the work it takes to change your financial situation.

That feeling when you know exactly where your money is going every month, that your investments are in the right place, that you're paying down your debt and growing your savings, that you can quit your job and be okay next month, that the wealth you've created is protected, this is what we will be building together.

If you're willing to put in the time, money, and energy and meet us where you are, we can get you to a place where your financial situation won't feel like a series of things you have to give up. This is what is at stake. 

Here's what it costs:

(sliding scale based on income for individuals and couples)

A Note on Income Based Pricing: We are a staunch believers that everyone deserves access to unbiased and high quality financial planning advice and the peace of mind that comes with knowing you have a financial professional who's on your side.

We're committed to your financial success, no matter how much money you're making now.

With a sliding scale monthly subscription, you'll have continuous and comprehensive support no matter what life throws at you and we can make sure all the things we got really excited about in the first place actually happen.

Note: If you're in a couple, add your incomes together and use the couples rates (the ones with the turquoise buttons below!). Also use the couple rates if you have kids or other full time dependents.

BUDGE Coach | Flexible Plan (cancel anytime)
Rate is based on pre-tax annual income
**Your rate will be revisited once per year and adjusted based on your current income**
under $50,000 - $99/month
$50,000-$74,999 - $149/month
$75,000-$99,999 - $199/month
$100,000-$124,999 - $249/month
$125,000-$149,999 - $299/month
$150,000-$174,999 - $349/month
$175,000-$199,000 - $399/month
over $200,000 - click button below for rates
**Use couples rate scale below if you have kids!**
BUDGE Coach | 12-Month Commitment
Rate is based on pre-tax annual income
**Your rate will be revisited once per year and adjusted based on your current income.**
under $50,000 - $199/month
$50,000-$74,999 - $249/month
$75,000-$99,999 - $299/month
$100,000-$124,999 - $349/month
$125,000-$149,999 - $399/month
$150,000-$174,999 - $449/month
$175,000-$199,000 - $499/month
over $200,000 - click button below for rates
**Use couples rate scale below if you have kids!**

BUDGE Coach for COUPLES | Flexible Plan (cancel anytime)
Rate is based on pre-tax COMBINED annual income
**Your rate will be revisited once per year and adjusted based on your current income.**
**Use this rate scale if you have kids!**
under $75,000 - $99/month
$75,000-$99,999 - $149/month
$100,000-$124,999 - $199/month
$125,000-$149,999 - $249/month
$150,000-$174,999 - $299/month
$175,000-$199,999 - $349/month
$200,000-$224,999 - $399/month
over $225,000 combined - click button below for rates
BUDGE Coach for COUPLES | 12-Month Commitment
Rate is based on pre-tax COMBINED annual income
**Your rate will be revisited once per year and adjusted based on your current income.**
**Use this rate scale if you have kids!**
under $75,000 - $199/month
$75,000-$99,999 - $249/month
$100,000-$124,999 - $299/month
$125,000-$149,999 - $349/month
$150,000-$174,999 - $399/month
$175,000-$199,999 - $449/month
$200,000-$224,999 - $499/month
over $225,000 combined - click button below for rates