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Budgeting

The cornerstone to every successful financial plan.

Over 56% of Americans don’t have a budget, which leads us to ask, “Do you?” The reality is, having a budget means more than just “saving money.” It means knowing and tracking where your money is going. Why? Because most of us think we know where our money is going, but do we really?

Using a process that works.

Piggy bank

We know the word “budgeting” can make some cringe; that’s why here we like to think of budgeting as simply managing your cash flow.

We start with an assessment of your current spending and saving habits, including any debts you may have. We then work with you to help define your short- and long-term financial goals, and help you manage your cash flow to achieve them. We do all of this to make managing your cash flow easier for you.

As part of managing your cashflow we help teach you time-tested strategies that may help you save more money. For instance, our “Spending vs Saving” strategy teaches you how you likely won’t miss the money you deposit directly into your savings. Or our “Phantom Fund” strategy potentially helps you find money you may have been needlessly wasting. Or our “3-Buckets strategy” teaches you how taxation plays a role in how much money you really could be saving.


One tool that does it all.

We provide you one easy tool that effortlessly tracks your cash flow. It takes into consideration your income, expenses, debts, and investments. We call it the HubTracker® and it’s our way of helping you save the most money you can and keep track of your progress towards your outlined goals in your financial plan.

The HubTracker® takes into consideration the following components to monitor and manage your cash flow:

  • Monthly income icon

    Your Monthly Income

    • Wages
    • Dividends and Interest
    • Pensions
    • Social Security
  • Discretionary expenses icon

    Your Discretionary Expenses

    • Gas
    • Groceries
    • Clothing
    • Entertainment
  • Essential expenses icon

    Your Essential Expenses

    • Mortgage
    • Utilities
    • Vehicles
    • School loans
  • Savings and investments icon

    Your Savings and Investments

    • Banking accounts
    • Emergency funds
    • Opportunity funds
    • Retirement funds

Your Finances.
Our focus.

Let us get to know you — your concerns and your dreams —
and we’ll help you create a financial plan that takes your cash flow into consideration.

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