It is easy to get caught up in life and overlook spending. Sometimes we also go overboard on debt.  Occasionally we overlook the efficiency of our debt or the efficiency of our cash reserves. The success of a financial plan can hinge on the careful management of our household finances (cash flow, debt and cash reserves) and/or an understanding of "good" versus "bad" debt.  We want to understand and recognize opportunities to enhance your financial plan.  

What we do: We request income, debt and cash reserve information and include this information with all assets on our Big Picture Diagram¹. This information is crucial to implementing a successful financial plan.  Understanding cash flow and debt habits is part of the financial planning process. 

Why we do it:
Whether it’s an efficient debt "snowball" payoff, accountability, refinancing or restructuring debt, spending conflicts in a marriage, or simply quantifying expenses – if it's important we will address it. Some of the most crucial issues to a successful financial plan are hidden in this area.

What we don’t do: We do not negotiate debt reductions on your behalf. We are not credit counselors. Also, although we have experience working through cash flow and debt management issues, we have some limitations. If we uncover deeply emotional financial issues or major sources of marital conflict, therapy or counseling may become an essential component of the solution. 


Sample of the Diagram used to organize these discussions.

Spreadsheet used by some of our clients to organize the household finances.


Good local resource for refinancing and/or reorganizing debt.