BUDGE | 12-month Planning, Coaching, & Advocacy Program

⭐️⭐️⭐️⭐️⭐️

🎯 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 💃🏽

Budge 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 what's included:

Four Strategy Calls

We will have 4 strategy calls to get your entire plan put together. These calls will happen about 1-2 weeks apart within the first 2 months.

Monthly Budge Calls

We will meet once per month for 15 minutes to make sure you're making continuous progress and make sure you have a clear monthly game plan for your cash flow, tasks, and habits

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, debt paydown plan, bills calendar, and best of all, the ability for us to see everything you see. You'll have lifetime access to this portal.

Your Action Steps List

After putting that big financial plan 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.

STRATEGY CALLS + FINANCIAL PLAN

All Budge programs will start with 4 strategy calls done within 6-8 weeks:

1 | Onboarding Call

The first video call will guide you through how to use the technology to organize your finances and categorize your expenses. You'll learn how to review your expenses closely and begin to understand how your personal cash flow works.

2 | Discovery Call

We'll help you hone in on a personal Core Values statement that we'll use as our guiding light for our strategy and recommendations. We'll learn more about your goals and priorities and you'll begin to get clarity on your income and spending.

3 | Cash Flow Call

We will build out a monthly budget and 12-month cash flow for your income and expenses (both business and personal if you have any freelance income!). We'll also have recommendations for spending, saving, credit, and debt pay down.

4 | Recommendations Call

On our last strategy call, we will have observations and recommendations on your investments, insurance, taxes, estate planning and will map out how the rest of our year is going to look. You'll have clear next steps and know what needs to get done as we work together.

WHAT'S INCLUDED IN YOUR FINANCIAL PLAN

We'll get to everything, promise 🙂

MONTHLY CASH FLOW & EXPENSE TRACKING
SAVINGS & BANK ACCOUNT ORGANIZATION
CREDIT SCORE & REPORT ANALYSIS
DEBT PAYDOWN STRATEGIES
INVESTMENTS & RETIREMENT (401K/IRA/ETC)
TAX PLANNING
INSURANCE & EMPLOYEE BENEFITS
ESTATE & LEGACY PLANNING

15-MIN MONTHLY CALLS + EMAIL ANYTIME

Now that we've put your plan together, it’s time to get to work and let the rubber meet the road, in a way that works for you. Many of our clients tell us these monthly calls give them time and space to make room for their finances.

We'll review your monthly financial tasks, your cash flow, and your habits so you'll know exactly what needs to get done each month. Didn't get to it last month? No worries, we can re-prioritize and might even be able to knock some tasks out together on the call! You can also send unlimited emails to your financial planner in between calls as things come up.

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.

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. We ask you to loop us into emails with any other financial professionals you work with (accountants, attorneys, HR depts, mortgage lenders, etc.) and we'll get on the phone or do a video call as needed for things like:

  • Talking to your student loan carrier or collections agency and asking all the right questions
  • Finally opening that IRA
  • FINALLY rolling over your old 401k(s)
  • Making sure your 401k contributions and beneficiaries are set up properly
  • Talking to your HR about your employer benefits
  • Applying for a new credit card
  • Navigating medical bills, FSA websites, etc.
  • Helping you through the mortgage/home buying process
  • Talking to your accountant about your tax planning needs (business structures, tax returns, SEP IRA contributions, weird IRS letters)

No matter the task, we've got your back. (This is many of our clients' favorite aspect of the program!)

SUPPORT & ACCOUNTABILITY BEYOND 12 MONTHS

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.

After the first 12 months, you switch to a month-to-month plan. You can choose to keep meeting monthly and your rate will be revisited based on your current income, or you can choose to meet every other month or once per quarter and your rate will be adjusted down based on how much support you need. If you feel you've gotten a solid financial foundation, you can also choose to cancel the plan anytime.

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!

SLIDING SCALE MONTHLY SUBSCRIPTION

⭐ The full annual cost of a Budge program, which includes a complete financial plan and ongoing support to implement it, is broken up into monthly payments to make sure it fits into your budget

⭐ The rates are sliding scale based on income. There are rates for individuals and rates for couples.

⭐ These rates come out to be about 2.5-3% of your total income for us to manage 100% of your finances.

⭐⭐⭐ The Budge program requires a 12-month commitment. The first four strategy calls cost a total of $2,100 and this cost is spread out over 12 months. If you cancel before the 12 months is complete, you will owe the remaining balance.

Will this actually work?

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 plenty of 1-1 clients, met with hundreds of people for Brunch & Budgets, workshopped with thousands 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, but instead a series of financial decisions that will lead to the life you want to live.