Financial Planning
for Individuals & Families
One plan that connects your retirement savings, health coverage, and income protection.
English · Español
What a plan covers
The Key Pieces of a Family Financial Plan.
Whether you are starting from nothing or already have pieces in place, these are the four areas we work through together.
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Retirement Planning
Old 401(k)s, IRAs, and your current contributions, reviewed as a single figure. What that figure is on track to produce, and what would improve it.
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Protection & Insurance
Life and income coverage sized to what your household actually requires, so a single unexpected event cannot undo years of progress.
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Health Benefits
The plan you selected at open enrollment, your HSA, and what becomes of both when a job or a family circumstance changes.
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Education Savings
What you are setting aside for college, where those funds are held, and how to keep them from working against your own retirement.
How the work goes
How We Build Your Financial Plan.
The order matters more than the list.
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Cash Flow
What Comes In, What Goes Out
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Proper Protection
Before Anything Is Built on Top
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Debt Management
The Balances That Outpace Savings
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Emergency Fund
One Unexpected Month, Absorbed
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Build Wealth
Retirement, a Home, Education
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Preserve Wealth
Taxes, Care Costs, Erosion
Before you book
Financial Planning Questions, Answered.
What happens in a financial planning consultation?
You talk, I listen, and we put everything you already have on one table. Retirement accounts, health coverage, insurance, savings. I explain what each piece is doing and where two of them are working against each other. You leave knowing where you stand, whether or not we ever work together.
How long does the first meeting take?
One hour. It happens online, so you can take it from home or on a lunch break, and you do not need to bring paperwork to the first one.
Do I need a certain amount saved to start?
No. The conversation is about what you hold today and what you are trying to protect, at any level of assets. Many households begin with a single old 401(k) and a list of questions.
Will I be sold something on the call?
No. There is nothing to sign and no decision asked for on the spot. If something makes sense for your household you will hear why, and you are free to take as long as you need to consider it.
Do you work with families in Spanish?
Yes. Every conversation can happen in English or Español, whichever you are more comfortable in, and that includes the paperwork and the follow-up, not just the first meeting.
Do you work with families outside Chattanooga?
Yes. Alongside Chattanooga I work with households across the surrounding Tennessee and North Georgia communities, including Hixson, Signal Mountain, East Ridge, Red Bank, Ooltewah, and Fort Oglethorpe. Meetings are online, so where you are is rarely the deciding factor.
Get Started
Book a Financial Planning Consultation.
One hour, in English or Español. Your accounts, coverage, and savings reviewed side by side, so you can see which pieces are pulling against each other.
Prefer a separate page? Open the booking page.