January 6, 2017

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

🙌 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.

You'll learn how to review your expenses closely and begin to understand how your personal cash flow works. We will also map out how the rest of the year is going to look.

STAGE 2 | Let’s Get Real

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

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.

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 here or image below for detailed PDF).This includes a savings and debt paydown plan, credit analysis, investments, taxes, insurance, and estate planning. We'll go over the whole thing and have a full schedule planned for how you to implement everything.

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:

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

📌 SAVINGS & BANK ACCOUNTS - 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

📌 CREDIT ANALYSIS - 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

📌 DEBT PAYDOWN - 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?

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

📌 TAX PLANNING - Are you maximizing your current tax situation? What can you deduct as a freelancer? Are you letting the government borrow too much of your money?

📌 INSURANCE - 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.

📌 ESTATE PLANNING - 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?

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. 

Choose between Budge COACH and Budge LIFE depending on how much accountability you need from us:

BUDGE COACH - 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. We will work closely together and 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. We will also complete your cash flow for you every month so we have time to analyze it on the calls together.

BUDGE LIFE - Quarterly 30-minute Big Picture Calls + Monthly Email Updates

This option is best if you want help putting together your entire plan and want guidance along the way to make sure everything is getting done right. We will have quarterly update calls to make adjustments to the plan, run analysis and reports on the spot, and make big decisions you've been thinking about. We will check in with you via email and messaging every month to remind you to complete your cash flow and upcoming tasks. 

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 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.

You can switch back and forth between Budge Coach and Budge Life once per year so we're there for you as much as you need us.

Here's what's included:

 

Four Strategy Calls in Two Months

We will have 4 strategy calls to get your entire plan put together, including an Onboarding Call, Discover Call, Cash Flow Call, and Blueprint call.  These calls will happen about 2-3 weeks apart within the first 2 months.

Budge COACH or Budge LIFE

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 3 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 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 and build new habits and routines
❌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)

Budge is not for everyone. Please be honest with yourself and DO NOT sign up for this program if any of the above applies to you. We know this is a big commitment and want to make sure this program is absolutely right for you!

Here's what it costs:

⭐ Choose between Budge COACH (monthly calls) or Budge LIFE (quarterly calls)

⭐ The rates are sliding scale based on income and there are rates for individuals (yellow buttons) and rates for couples (turquoise buttons)

⭐ If you have kids, use the couples rate scale

⭐ Both Budge COACH and Budge LIFE require a 12-month commitment or $1,500 setup cost if you want the flexibility to cancel anytime

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. 

12-Month Commitment | Monthly Calls
Budge COACH for Individuals
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**
Rate is based on pre-tax annual income
under $80,000 - $299/month
$81,000-$125,000 - $349/month
$126,000-$150,000 - $399/month
$151,000-$175,000 - $449/month
$175,000-$200,000 - $499/month
$201,000-$250,000 - $599/month
$251,000-$300,000 - $699/month
$301,000 or more - click button for rates
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**
12-Month Commitment | Quarterly Calls
Budge LIFE for Individuals
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**
Rate is based on pre-tax annual income
under $80,000 - $199/month
$81,000-$125,000 - $249/month
$126,000-$150,000 - $299/month
$151,000-$200,000 - $349/month
$201,000-$250,000 - $399/month
$251,000-$300,000 - $499/month
$301,000-$400,000 - $599/month
$401,000 or more - $699/month
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**

12-Month Commitment | Monthly Calls
Budge COACH for Couples & Kids
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**
Rate is based on pre-tax annual income
under $125,000 - $299/month
$126,000-$150,000 - $349/month
$151,000-$175,000 - $399/month
$176,000-$200,000 - $449/month
$201,000-$225,000 - $499/month
$226,000-$275,000 - $599/month
$276,000-$325,000 - $699/month
$326,000 or more - click button below for rates
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**
12-Month Commitment | Quarterly Calls
Budge LIFE for Couples & Kids
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**
Rate is based on pre-tax annual income
under $125,000 - $199/month
$126,000-$150,000 - $249/month
$151,000-$200,000 - $299/month
$200,000-$225,000 - $349/month
$226,000-$275,000 - $399/month
$276,000-$325,000 - $499/month
$326,000-$425,000 - $599/month
$426,000 or more - $699/month
**Your rate will be revisited once per year and adjusted based on your current income unless your income changes dramatically mid-year**

Flex Plan: $1,500 Setup Cost and Cancel Anytime 

If you'd like to have the option to cancel anytime, please find your rate above and click the button below to set up a payment plan that includes the $1,500 setup cost.

The first two months' fees are waived and you will start being charged your monthly rate in the third month.

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

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.