Financial freedom doesn't require an expensive financial advisor
A simple plan, low-cost investing, and no ongoing fees eroding your nest egg
My Mission
A different kind of financial guidance
It's almost like they want you to be intimidated and overwhelmed. There are endless sources online, countless books, and an entire finance industry, but doesn’t that seem to make it even more confusing? Consequently, you feel paralyzed and you push off your financial plan to another day that never comes. It likely leaves you with guilt an
It's almost like they want you to be intimidated and overwhelmed. There are endless sources online, countless books, and an entire finance industry, but doesn’t that seem to make it even more confusing? Consequently, you feel paralyzed and you push off your financial plan to another day that never comes. It likely leaves you with guilt and anxiety that you haven’t taken this head-on yet.
I felt exactly like that when I was younger, and I noticed that there was only one option - the financial advising industry that skims a percentage of your wealth every year. It seemed like overkill when I just wanted a framework to get started and to understand the essentials of retirement planning and investing.
It felt wrong to blindly hand over my money to an advisor without understanding finance and investing myself. So, I spent the next 15 years learning budgeting, daily money management, retirement planning, and investing. I want to share this knowledge with you at a very reasonable price so you can feel the sense of a clear mind about your own finances and future.
These are the core tenets at Clear Mind Money
- Your daily, weekly, and monthly habits build wealth. Approximately 90% of your financial success will be behavioral. Yes, "behavioral" means your spending habits, but it also means how you react to a crashing or booming stock market.
- You need an all-inclusive plan, from the daily to the decades. You should understand near-term things, like
- Your daily, weekly, and monthly habits build wealth. Approximately 90% of your financial success will be behavioral. Yes, "behavioral" means your spending habits, but it also means how you react to a crashing or booming stock market.
- You need an all-inclusive plan, from the daily to the decades. You should understand near-term things, like current spending, and understand long-term retirement planning, investing, and diversification.
- You can successfully invest on your own, avoiding the fees and percentage cut that financial advisors take (the true wealth killer). Investing is not nearly as complex as the finance industry wants you to believe.
- You need a budget that doesn’t drive you insane with tracking every latte or gallon of gas purchased.
- You, as a client, would like to accomplish this while avoiding high or hidden fees, or pitches on insurance products, and annuities.
This is all done for a one-time fee
This is all done for a one-time fee
I am so happy to be able to offer this to my clients at 1/3 of the cost of a fee-only financial advisor, and a tiny fraction of the cost of an assets-under-management (AUM) financial advisor. The cost will depend on if you want just a two-hour consultation (typically customized to be either budget-focused or retirement/investing-focused)
I am so happy to be able to offer this to my clients at 1/3 of the cost of a fee-only financial advisor, and a tiny fraction of the cost of an assets-under-management (AUM) financial advisor. The cost will depend on if you want just a two-hour consultation (typically customized to be either budget-focused or retirement/investing-focused) or one of the larger packages that provide guidance over several months or even a year.
I cover the following subjects, although what I cover with you will be customized to where you are in your financial journey.
- The Mindful Spending Plan – I try to avoid the dreaded b-word, but yes, it’s a budget
- Debt repayment strategy – How to evaluate and when to get aggressive
- The Ladder of Personal Finance - How to prioritize your money deployment – debt, 401k, Roth IRA, emergency fund, etc.
- Retirement planning – How do I figure out how much I need?
- Investing – Everything you need to know, while eliminating the noise you should ignore
- Your money infrastructure – For young people just getting started, we may have to address the basics, like banking, credit cards, and credit score