Cash & Debt Management

Properly managing your cash and debt is the foundation of financial stability and independence. Maintaining an emergency fund and suitable cash flow needs will allow you to meet your savings or spending goals.  Additionally, in retirement, it may be important to maintain a "portfolio income buffer" to insulate your retirement income from the volatility of the markets.

We review your net worth, and if necessary, analyze your current cash flow for savings opportunities.

We also provide recommendations on the appropriate use of debt such as mortgages, credit cards, and auto, personal, and business loans.

Would you like to review your monthly cash flow and see where your money goes? Use our Cash Flow Tracker worksheet to help.