As part of our Planning process (inspired by Dave Ramsey’s baby steps), we’re likely to walk you through a series of Financial Planning steps that are customized to you.  

Here is a typical guideline we would follow:

Financial Planning Steps

1a.  Pay off all debt (except for home), especially high-interest debt 

1b.  Emergency Planning 

• • Emergency fund (1k starter or 3-6 months expenses)
  • Term-Insurance if it makes sense
  • Health Savings Account

2. Save 15%+ for retirement

• • 2a save for home (if it applies?)

3. Save for kid’s education

4. Pay off home early (behavioral)

5. Max retirement

6. Retire (hopefully early)

7. Build wealth & give!