Our Services

Goals, Budgeting and Debt Management

The first issue to think about is what do I want to do with the rest of my life? We will help you think through this and help you make a list of the goals or experiences you would really like to do in your retirement. Entering the planning process with this list of must do’s, will set you up to more than likely accomplish them, than if we do not know what they are. It may seem like we have all the time in the world to go experience life, but it can go by fast. The more you can enter your retirement with clear intentions of what is important to you, the better it usually is.

Developing a strategy to eliminate
debt and lower your monthly budget

One of the most important things you can do leading up to, and even in retirement, is develop a strategy to eliminate debt and lower you monthly budget. One of the most beneficial things you can do is to really look at where your money is going before you retire. This is doing a detailed budget and looking at each expense that you are spending money on and ask your self this question. Does this money I am spending on this item align with what I really want out of life?

Over time there have been more and more subscription services that we have ourselves signed up for that many times we forget we are even paying them.

Spending a little time to align your budget to what is important to you can be very fruitful. We help facilitate this process by asking some good questions to help you clarify your goals and desires.

Once your goals are established and your budget is fine-tuned, we need to evaluate where is your debt at and is this the best place for you to keep it. With us being in a low interest rate environment, carrying credit card debt, and even auto loans may not be worth it. Developing a strategy to consolidate these loans can save us hundreds or even thousands of dollars in monthly outflow.