Budget and cash flow
Every good plan starts with where the money goes.
Before investments or retirement dates, we look at what comes in, what goes out, and what you’d like to change. It’s the foundation for everything else.
Questions people bring me
- Where does all our money go each month?
- Should we pay off the house before we retire?
- How big should our emergency fund be?
- How much will we really spend in retirement?
How I help
We look at your income, your spending, your debts and what you own, without judgment. Most people have never seen it all in one place. That picture alone often brings relief.
Then we set a few clear priorities: building a cushion, paying down debt, saving for retirement or a goal, or giving. The plan fits your resources and your values, not someone else’s rules.
What you leave with
- Your income, spending, debts and net worth in one report
- A short list of priorities, in order
- An estimate of what you’ll spend in retirement
Common questions
Do I need to track every dollar first?
No. Bring what you have, such as bank statements or a rough list. We’ll build the picture together.
Is this only for people near retirement?
No. A clear picture of cash flow helps at any age, and it is where every New Leaf plan begins.
Other ways I can help
Retirement income
How your savings, pensions and benefits can become a steady monthly income.
Learn moreSocial Security timing
When to claim, and how that choice fits with the rest of your income.
Learn moreAnnuities and insurance
What they are, when they fit and when they don’t, and how I’m paid on them.
Learn moreInvestments and risk
A mix that matches how much up and down you can live with.
Learn more
Complimentary checklist
13 questions to answer before you retire
Social Security timing, pensions, which accounts to draw from first, health costs and who handles things if you can’t. The questions Jay would want you to have thought through, in plain words.
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Ready to turn over a new leaf?
Start with a conversation. It’s complimentary, it’s unhurried, and you’ll leave knowing whether a plan makes sense for you.
CFP® professional · No account minimum · Fees explained before you decide