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A Budget Isn’t A Financial Plan.

We’ll align your cash flow with your financial plans.

Long term financial planning is vital to a lifetime of financial security. Understanding your cash flow is important to feeling secure now, managing debt and saving for retirement.

It can be challenging to step back and understand how to balance your income, expenses, and savings to meet your goals now and far into the future. We can answer questions like:

  • How do I pay down my current debt?
  • How much money should I keep in my savings account?
  • How do I know how much money to put in my retirement plan?
  • Shoudl I pay off my loans and/or mortgage?
  • When will I have enough money to retire?
  • What should I do with the additional dollars I have each month?

We’ll evaluate your current financial situation in detail and provide thorough recommendations on what to spend, what to save, and how to pay off debt responsibly.

Let’s Start a Conversation

Let’s Optimize Your Budget To Achieve Your Cash and Financial Goals.

Whether you have a goal to start your own business, buy a second home, take that dream vacation, save for early retirement, or any other personal venture, we’ll analyze and help you understand your cash flow and develop a strategy to help reach your goals.

Gather Comprehensive Income and Expense Data

We’ll review and understand your income and expenses so we can identify areas for financial improvement.

Review Debt and Repayment Strategies

We’ll evaluate all your current debt to provide a clear plan: if you need to consolidate or exactly how to adjust your repayment plan to reduce your debt, but also preserve cash flow.

Evaluate Retirement Saving Needs

We’ll review your retirement plans and goals, to determine if you are saving enough to have the retirement you envision. We can provide clear recommendations and a plan on how to achieve your goals, while balancing current cash flow.

Building Non-Retirement Assets

Saving money for retirement is key, but you also need to save money outside of retirement for other things you may need to consider. We’ll work with you to establish non-retirement assets that provide future financial flexibility.

Finding Financial Balance

Cash flow affects your personal and professional goals. We can help you accomplish these goals and live a more secure, satisfying life.

Think you could benefit from a pragmatic approach to financial planning? Let’s have a conversation to see how we may be able to help.

Let’s Have a Conversation

Know Exactly What FeesYou Pay Your Financial Advisor—And Why.

When creating a strategy for managing your cash flow, it’s important that you receive objective advice that’s truly in your best interest.

Unlike other advisors who mask their fees with seemingly marginal percentages, or make commission from the sale of products, we operate from a core belief: our primary focus is to enhance your wealth, not ours.

That’s true fiduciary responsibility.

Read our ADV

Transparent Fee-Only Structure

We charge a clear fee for the time and resources it takes the do the planning work required.

Dollars, Not Percentages

We believe it’s unfair to pay more simply because you’re worth more. That’s what a percentage-based fee does. Our fixed-dollar fees reflect our work, not your net worth.

No Commissions

We don’t receive compensation for the sale of securities, insurance products, or other investments.

No Performance-Based Fees

Performance-based compensation creates an incentive for advisors to recommend riskier investments.

No Hidden Costs

We don’t pay referral fees to third-parties, participate in wrap-fee programs, or charge fees for work we don’t perform.

We Work For You

Some firms make money from referral fees. Not at PDS. The only person who pays us is you.

We Know How to Help Align Your Budget & Cash Flow Regardless of Where You Are On The Journey.

Whether you’re trying to pay down debt, maximize savings, or plan for retirement income, we’ll help you create a comprehensive cash flow management strategy.

Get Organized

Understand the difference between a budget and cash flow, then use that knowledge to begin building wealth.

Optimize Your Strategy

Free cash flow is available, now determine how to use it to best serve your short and long-term goals.

Maximize Your Strategy

Asset rich, but cash flow poor. Or maybe too much cash flow. Build a plan that converts this to lasting wealth.

It’s Your Life. Let’s Plan For It, Together.

Do you want objective financial advice to help you manage your cash flow? Do you want to feel confident that you have an actual plan, validated by credible financial planners, to accomplish your specific goals? And do you want to have all that without paying any inflated costs or hidden fees?

We’d be happy to meet you. Send us a message and you’ll hear back soon.

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