How I Work
"If you fail to plan, you plan to fail."
Financial planning shouldn’t be a fixed package. Everyone’s starting point is different — so instead of forcing you into one plan, I offer a menu of ways to work together, from a single hour of budgeting help to full strategic planning across debt, retirement, estate, and insurance.
Hourly Consulting
The most flexible way to start.
One hourly rate, two common uses:
Budget & Cash Flow Clarity
Most people I sit down with don’t have a working budget — or a clear picture of where their money actually goes. In a single session, often just an hour, we build a real, working budget together, typically in Google Sheets. No judgment, no jargon — just clarity.
Business Consulting
Same hourly structure, applied to your business. An outside, objective sounding board for cash flow questions, growth decisions, or the stuff that keeps you up at night.
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Ongoing Budget Partnership
$99/quarter
Building a budget is step one. Keeping it alive is where most people struggle. Using your Monarch Money account, I review your spending, progress, and any needed adjustments with you each quarter — real accountability, without a big ongoing price tag.
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Strategic Planning
A menu of strategies, matched to your situation — not the other way around.
Debt Strategy
I draw on a range of debt-elimination strategies — including specialized approaches like the Your Family Bank method — and match the right one to you. Typically debt-free in 9 years or less.
Estate Planning
Protect your assets, plan for incapacity, reduce taxes, and pass on what matters — including Special Needs trusts where relevant. Attorney-reviewed, state-specific, delivered through my Foundational Wealth Partners network.
Retirement Income Planning
Guaranteed retirement income strategies drawn from multiple carriers — not just one company’s shelf.
Long-Term Care Planning
90% of us will need some form of long-term care. With average nursing home costs exceeding $90,000/year, let’s plan now — not after the fact.
Insurance Placement — Term, IUL, Whole Life
Independent access to multiple carriers means the policy you get is the one that fits you, not the one a single company is pushing.
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Business Consulting Retainer
$400–$500/quarter
For business owners who want an experienced strategic partner on an ongoing basis — quarterly strategy sessions plus advisory access between meetings, without the overhead of hiring a full-time executive.
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Mobile Notary Services
Wills, trusts, and mortgage agreements require a notary. Serving the Black Hills of South Dakota, Monday through Friday, I’ll come to you.
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