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Personal Finance

Set smart intentions for today and tomorrow.

The full picture of your financial circumstances includes both your day-to-day spending habits and your longer-term intentions for your money. We want to help you confidently manage your personal finances to sustain your integrated financial plan. With empathy and know-how, we strive to encourage smart money decisions today, and every day after.

 Cash Flow Analysis

 Cash Flow Analysis

Understanding your intentions for your money is the first step in creating an integrated financial plan. Through cash flow analysis, we can help you determine how to align your money with your obligations and goals. We partner with you to consider all of the components that impact your cash flow, including:

  • Savings goals
  • Budgeting
  • Debt


It’s no secret that smart saving is a necessary ingredient for reaching financial goals and moderating life’s surprises. We aid in identifying ambitions and commitments for which you may want to save, determine your savings goals, and make clear plans for achieving them.

  • Establishing emergency funds
  • Setting up college savings
  • Understanding retirement contributions
Debt Analysis

Debt Analysis

Making smart decisions about debt is essential for maintaining financial wellness. We aim to teach you how and when to use debt as a component of your financial plan. We also aim to prioritize debt payback, so that you can spend less time worrying, by taking action. We can assist with:

  • Consulting on financing options
  • Restructuring debt
  • Refinancing

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