I offer independent hourly financial planning. That means you can be confident that I don’t sell products, and that I don’t charge a fee to manage your portfolio. Instead, I help you to understand your financial choices, and I can prepare investment portfolios for you to implement.Perhaps, like some of my clients, you find yourself in one of these situations:  Managing your budget and your cash flow is becoming overwhelming; You’re facing a big decision i.e. should you buy a house, sell your home and downsize, retirement; You just got married, lost a spouse, had a baby;  You no longer want to pay someone else to manage your investments; You have the expertise, but don’t have time to build an investment model or do long term tax projections. Working with me allows you to access the tools that I use to develop a comprehensive plan, as well as to benefit from my expertise and experience. In addition, I can facilitate conversations between spouses with different money styles. My financial plans and budget tools help you to see and understand how income, taxes and spending will influence your financial future. I confirm that what you want to do financially is sound, and I may even improve upon what you may be considering. You still make the decisions, but you do so with a better understanding of your choices. You’re setting out on a journey. You know you won’t hit all the rest stops along the way, but wouldn’t it be useful to have some markers along the way and perhaps even ask for directions occasionally? A financial plan is like using a guide who also provides a map.