Cash Flow & Income Management


No matter who you are in this world, one thing is for certain that from cradle to grave you’ll need cash flow. Managing your cash flow is the most critical element of your financial life that you will need a handle on. For this reason, the first steps of our journey with new clients commonly includes an exploration of this discipline.


In this assessment process, some of the areas we evaluate together include:

 Establish Current Income Streams

From wages, businesses, investments, social security, and more we will help you see when and where you are receiving money currently. We will also be able to project forward into the financial plan what income sources you will have to fund your goals.

Discuss Irregular Income & Expenses

Sometimes income doesn’t fit a nice mold, and when things like bonuses, commissions, or stock options are involved then special planning is needed. More important than irregular income is planning for irregular expenses and how to properly earmark funds for these needs..

Implement First Step Cash Management™

We will train you to use a cash flow system that helps simplify and understand your money by creating a decision-making process. By breaking expenses into past commitments, present choices, and future needs & wants, you will be able to automate a system for spending that give you peace of mind that you are making healthy choices and living within your means.

Optimize Banking structure

With some simple banking structure, we can line up bank accounts with automatic transfers to meet your needs and goals. Sometimes special considerations will need to be made for business owners or individuals with irregular income to smooth out the flow of cash at the bank.

Our Client-Centric Approach

Fundamentals

Rather than creating a painful budget, it is far more effective to have a cash flow plan that provides you with a simple framework for decision-making. This will help give you peace of mind, and the knowledge that you are living within your means, enjoying life to the fullest, and saving for your most important goals.

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Accumulation

For many people, as their income and assets grow, cash flow planning can seem unnecessary. However, this is precisely when an integrated cash flow plan is most critical—when the complexity of one’s finances increases. If you have irregular income and expenses, the First Step Cash Management System can help you smooth out and simplify your spending.

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Management

When managing income from multiple sources such as businesses, real estate, farms, and portfolios, it is important to have a financial plan that works in concert with your tax and investment strategies. In addition, cash flow planning in retirement allows you to enjoy the confidence of knowing that you can maintain a safe rate of investment withdrawals.

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Independent

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50
Year Vision

Forward Looking

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Fee-Only

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We work directly for our clients and put client’s interests first

1998
Year
Established

Responsibility

We hold ourselves accountable for pursuing the highest standards

10+ Years
Avg. Client
Relationship

Collaboration

We build powerful relationships by working towards common goals

232 Years
Combined
Experience

Wisdom

We learn and teach continuously

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