Cash Flow Planning

Take control of your money—without feeling like you’re on a budget.

Our cash flow planning process helps you make confident decisions about how you earn, spend, save, and invest your money. It’s not about cutting out everything you enjoy. It’s about aligning your money with what matters most to you.

Why Cash Flow Planning Matters

Most people know how much they make—but not where it all goes. We help you get clear on:

• What’s coming in

• What’s going out

• What’s left over

• Where it should go next

Whether you’re trying to increase savings, pay off debt, or simply spend more intentionally, cash flow planning gives you a clear roadmap.

You work hard for your money—we help you make sure it’s working just as hard for you.

– Cecil Staton, CFP®

Designed for Every Type of Spender

This isn’t just for people who overspend (though we help with that too). Even high earners and diligent savers benefit from this process.

• Over-spenders get the structure they need to rein things in—without feeling restricted.

• Over-savers gain permission to spend more freely, knowing they’re still on track for their goals.

What We’ll Cover

We look at your full financial picture and build a plan that supports both your daily life and your long-term vision.

Here’s what we focus on:

• Income and expenses: See where your money is going—and why.

• Debt repayment strategy: Prioritized by interest rate, payment terms, and your goals.

• Emergency fund targets: So you’re prepared without over-saving.

• Short-term cash savings: We help you earn more on your idle cash with options better than your typical savings account.

• Workplace benefits and healthcare costs: Often overlooked, but a big part of your monthly cash flow.

• Big purchases and upcoming life events: From buying a car to growing your family, we help plan ahead.

• Taxes, now and later: From maximizing current deductions to planning for future tax bills, we help you keep more of what you earn.

Live a Life You Love—Now and Later

Cash flow planning is about freedom. It’s about giving every dollar a purpose—so you can enjoy life today while preparing for the future.

And because we’re a fee-only, fiduciary financial planning firm, we don’t sell insurance or investment products. That means every recommendation we make is designed to help you—not to earn us a commission.