You are an individual with a unique financial story. And more importantly, you have unique values and life goals. Josh focuses on asking the right questions and offering simple recommendations. Going to a professional shouldn't result in more complicated finances, it should simplify your financial life. Josh's goal is to demystify complicated financial concepts and help you sleep well at night knowing you have a plan and a professional helping you execute that plan.

Josh's financial planning process revolves around the seven conversations about money:

1. Values: what money is to you. How do you want to use money to build the life you want? What are your financial priorities? Do you have dreams or specific goals around generosity, family, or leaving a legacy?
2. Alignment: of your money with your priorities. Where does your money go? Are you tracking progress toward short term or long-term goals? Are you saving enough for your goals? Do you have a plan and timeline to pay any debts?
3. Tax: paying what you owe without overpaying. Are you paying the right amount of taxes? Are there future tax considerations like stock options, investment real estate, or taxable investment accounts? Can philanthropy strategies impact your taxes?
4. Retirement: how much is enough. Do you have retirement goals for your life and finances? How much income do you need in retirement? Is your savings on track?
5. Investments: the right risk for the right return. How have you made decisions about your investments? Have you evaluated your portfolio risk and return profile compared to your financial goals? Do you want to express your values through the companies you invest in?
6. Estate: what will happen after your life. How do you want to take care of your family or loved ones? Do you have a legacy goal? A philanthropy goal? Is your will and your retirement account beneficiaries up to date?
7. Insurance: how you manage risks to your finances. Do you have the right amount of insurance? Are the right family members aware of your insurance?

Josh focuses these conversations into four boxes:

• Decisions to make now.
• Decisions to make in the future.
• Actions to take now.
• Actions to take in the future.

Interested to find out more about working with Josh? Fill out the form below to get in touch.