Financial PLANNING is...

1. A systematic analysis applying financial ratios and planning techniques. I aim to move you forward in an ordered way to realize a healthy financial future. In other words, you learn how to spend and save smarter, to avoid making irrecoverable mistakes.

2. Specific advice on where to go from wherever you are starting. You will learn how much to save, how to invest more intelligently, and how to protect yourself and your family against financial hardship.

3. A structure for creating "safe" zones. Couples learn how to inventory their assets and work more comfortably toward shared goals.

4. Common ground, when broaching difficult but sometimes necessary discussions about estate planning, health issues, or divorce.