What's included

• Customized Budget Plan

  A detailed monthly budget tailored to the your income, expenses, and goals. Includes categories for fixed costs, variable expenses, savings, and discretionary spending.

• Expense Analysis Report

  Breakdown of spending by category or timeframe (e.g., monthly or quarterly). Insights into areas where expenses can be reduced.

• Debt Repayment Plan

  Prioritized repayment strategies (e.g., debt snowball or avalanche). Projections showing potential payoff dates and interest savings.

• Savings Plan

  Goal-oriented savings strategy (e.g., emergency fund, down payment, vacation). Recommendations for automating savings and achieving goals faster.

• Cash Flow Statement

  Analysis of income and outflows to identify surplus cash for financial goals. Suggestions for optimizing cash flow management.

• Financial Goals and Action Plan

  Clearly defined short-term, mid-term, and long-term goals. Step-by-step actions to achieve each goal, including deadlines.

• Net Worth Statement

  Snapshot of the client’s financial standing, including assets and liabilities. Suggestions for improving net worth over time.

• Investment Analysis and Recommendations

  Review of current investments (if applicable). Basic guidance on how to diversify or start investing.

• Personalized Recommendations

  Apps, tools, or resources for continued financial management (e.g., Mint, YNAB). Educational materials on budgeting, saving, or debt repayment.

• Monthly or Weekly Financial Reports

  Regular updates on progress toward financial goals. Trends in spending, saving, and debt reduction.

• Credit Health Review

  Analysis of the client’s credit score and report (if applicable). Tips to improve credit health and reduce reliance on debt.