Discovery Phase

Before jumping into any financial advice, we need to understand where you're starting from. This isn't about judging your past decisions — it's about creating a realistic plan that fits your actual situation.

• Financial Health Check We'll look at your current income, expenses, and any debt you're carrying. No spreadsheets required — just honest conversation about what's really happening with your money.
• Goal Setting Session What do you actually want from your finances? Whether it's buying a house, feeling less stressed about bills, or just having some money left over each month, we'll make it concrete.
• Barrier Identification Everyone has something that trips them up with money. Maybe it's impulse buying, maybe it's avoiding the topic entirely. We'll figure out what yours are.
• Custom Strategy Design Based on everything we've discussed, we'll create a plan that actually makes sense for your life. No cookie-cutter advice here.

This whole process typically takes about two weeks of back-and-forth conversations. We're not rushing you through anything — good financial planning takes time to get right.