1. Introductory call

A short, no-cost call to understand your situation and confirm we are a fit. We explain how we work, what we do not do, and the fee structure for the engagement that suits you. No specific financial advice is given at this stage.

2. Cash-flow and obligation mapping

With your input, we review your income, fixed costs, and family obligations to see where money actually moves each month. For freelancers and dual-income households, this includes irregular income cycles and shared obligations. The output is a clear picture of what is available to allocate to reserves and savings.

3. Reserve and savings sizing

We size each of three layers against your real circumstances:

Liquid reserve — sized to the income gaps and co-payments you actually face, not a flat three-month rule.
Near-term fund — for known upcoming costs within the next twelve to twenty-four months.
Long-term savings — allocated to named goals with timelines.

4. Written plan and review cadence

You get a written plan covering each layer, its size, and the reasoning behind it. We agree how often to revisit the plan — typically quarterly for ongoing support, or annually for a one-off architecture engagement.

What we need from you

For the mapping step, we ask for recent income and fixed-cost figures, a list of dependents and support obligations, and any existing reserve or savings accounts. We do not need account numbers or passwords; figures and account types are enough.

Ready to begin? Request a consultation.