Reviews

The money clarity session stayed practical. Elaine separated the decisions we had to make this month from the ones that could wait until the next paycheck, and wrote both lists down before we finished. Nothing extra was sold to us on the way out.

The budget reset came back as a single page we could actually follow: fixed costs, a grocery number and one line for the car repair fund. Marcus confirmed the $180 before we started and the figure on the invoice was the same figure.

We arrived with four balances and no order to pay them in. The debt planning session gave us that order, with the interest maths written out in full so we could check the reasoning ourselves at the kitchen table afterwards.

The cash-flow review pulled three months of statements into one picture and showed where the money was actually leaving each week. It was uncomfortable to look at and it was the most useful hour we have spent on this.

The goal roadmap put a closing-cost target and a real date against it instead of a vague someday. Priya booked the follow-up review before we left, so the plan came with a check-in attached rather than good intentions.

The quarterly check-in took half an hour and adjusted two numbers that had drifted since spring. No upsell, no pressure to add a service we did not need, and the notes arrived by email the same afternoon.