Your Roadmap to Financial Freedom
The journey to financial freedom is a life-long adventure—filled with twists, turns, and defining milestones. Whether you’re just starting out or looking ahead to retirement, I want to help you think clearly about both your next financial step and your long-term money goals.
While financial success often shows up in dollars and cents, it’s the mental and behavioral shifts that truly drive progress. That’s why I focus on creating small wins—whether it’s building a livable budget, paying off debt, or saving more for the future.
To guide you, I break this financial journey into four key milestones. No matter where you find yourself, there’s a path forward—and you don’t have to walk it alone.
The Milestones
1. Suffocating
You’re living paycheck to paycheck, buried in debt, or dealing with the weight of past financial mistakes. The stress feels overwhelming—and it’s straining your relationships and peace of mind.
But there is hope and help. Together, we can:
Create a realistic budget plan that fits your life
Set achievable financial goals
Start saving money—even small amounts
Prepare for birthdays, holidays, and emergencies without using credit cards
With the right financial support and strategy, you can stop treading water and start moving forward.
2. Room to Breathe
You’ve escaped the “suffocation zone.” Your debt is manageable, and you’re no longer living paycheck to paycheck. You have an emergency fund. You might even be contributing to a 401(k) or IRA for retirement.
Now it’s time to build momentum:
Pay off remaining debt (except your mortgage)
Increase your retirement savings
Start saving for college, travel, or major goals
Create a plan to pay off your mortgage before retirement
Use cash—not credit—for vacations and big expenses
You’ve come a long way—let’s plan the next stretch of the journey.
3. Breathing Freely
You’ve arrived at a place of confidence. Your only debt is your mortgage—and you’re on track to eliminate it. You pay cash for vehicles, take vacations debt-free, and invest 15% or more of your income.
At this stage:
Your emergency fund is fully funded (3-6 months of expenses) in a high-interest savings account
Financial stress is minimal
The future looks bright
This is the perfect time to begin working with a financial advisor to protect and grow your wealth. But before you do, I can help you:
Understand the basics of investing and retirement planning
Navigate the wide variety of financial advisor services
Make informed choices about your next financial partners
4. Financial Freedom
You’ve made it—you’re 100% debt free, including your mortgage. You might be retired and living off healthy income streams or still working while enjoying full financial independence.
At this stage, you may be:
Managing your own investment portfolio
Giving generously to causes or people you care about
Considering when to retire: 62, 65, or later?
Adjusting your lifestyle for retirement
Finalizing your retirement budget and cash flow plan
Let’s make sure your final steps toward retirement are as intentional and empowering as the ones that got you here.
No Matter Where You Are, You’re Not Alone
Whatever milestone you’re currently navigating, I’m here to help you stay on track and live your best financial life. Let’s work together to build a future rooted in clarity, freedom, and financial peace.