Smoothing uneven expenses & Income

Cash Flow Planning

The biggest financial stresses are often caused by things we knew were coming. Cars need repairs. Homes need maintenance. Holidays arrive every year. We help clients organize spending, project future cash needs, and create a plan for cash flow so life happens on their schedule, not their bank balance's.

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We Handle the Money Movement - You Worry About How to Spend It

Real life expenses don’t come at you in perfectly equal monthly chunks. We manage the movement of money between your accounts so when it comes time to take a vacation, replace the water heater, or buy a new car, the money is ready and waiting for you. Discussions change from ‘can we afford this vacation’ to ‘where would we like to go?’

Cash Flow Planning Is Not Budgeting

While there are similarities, cash flow planning is focused on having the money available to you to spend, not identifying what to cut. We analyze your spending and project future cash needs to create a plan for everything from car repairs and home maintenance to vacations and birthday parties. We then ensure that when the larger-than-normal expense comes, you have the cash available to fund it.

It’s literally the same process as retirement planning, just for the rest of your life.

Note: If you want support with budgeting, see our Financial Launch program.

Focused on how you want to spend your money

When you log into your accounts with our firm, everything is organized by what the money will be spent on. Each goal and major expense has its own balance, a progress bar, and an on-track/off-track status indicator. Goals also have custom ‘portfolios’ specific to that spending need. Money that may be used within the next 4 years is held in an FDIC-insured, ultra-high-yield savings. But for money that isn’t needed for longer, goal-specific investment portfolios are constructed. For example, home-purchase-related goals are invested in portfolios designed with higher mathematical correlations to housing prices.

The result is you know what money you have for each of your goals and have clarity the money will be there when you need it.

 

Shorter-term Goals & Expenses

FDIC-Insured High Yield Savings

  • Employment Cash Reserves

  • Vacation and Travel

  • Auto Maintenance & Purchase

  • Parties and Gift Giving

  • Annual & Near-Term Home Maintenance

  • Insurance Deductibles

Longer-Term Goals & Expenses

Goal-Specific Investment Portfolios

  • Milestone Anniversary Trips or Bucket-List Trips

  • Children’s Weddings and Other Milestones

  • Major Home Repairs & Renovations

  • Purchasing an Investment Property

  • Major Purchases

  • Early Retirement (prior to 59 1/2)

 
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6 Tenants of Our Philosophy

  1. Rooted in Academic Research

  2. Your Life Trumps Your Money

  3. The U.S. Isn’t the Center of the Universe

  4. Statistics Guide Decisions

  5. Asset Classes Over Assets

  6. For Business Owners: Investing in Your Business Takes Priority

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