Usually now
- Understanding what you have, where it sits, and what it is for.
- Anything with a real deadline attached to it.
- Making sure the household's everyday spending is covered while the rest gets worked out.
The transitions
The changes I plan through
Retirement
The paycheck stops and the savings start doing the work. How and when you draw on them becomes the plan.
An inheritance
Often arriving at the hardest possible time. There is usually less urgency than it feels like, and more to understand first.
A career change
A new role brings new benefits, a different income, and sometimes an old retirement plan left behind with a former employer.
Selling an asset or a business
A one-time sum that has to serve for a long time. What you do in the first months after a sale matters.
Now and later
What usually needs attention now, and what can wait
Every situation is different, so treat this as the shape of the conversation rather than a checklist. The point is to separate the decisions that have a deadline from the ones that only feel urgent.
Usually able to wait
- Large, hard-to-reverse moves made in the first weeks.
- Long-term investment decisions made under pressure.
- Anything someone is urging you to decide today.
How I work
Plain explanations, one decision at a time
Clients should understand what is being done and why, rather than feeling their finances sit inside a black box.
In a transition that matters even more. You are already absorbing a lot. The plan should make things simpler to hold, not add another thing you do not understand.
Talk it through before you decide
When you schedule, a few short questions let you describe what is changing, so the first meeting can start there.
