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A Budget Isn’t A Financial Plan.

Let us help align cash flow management with financial goals.

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 want to help answer questions like:

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

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 Goals.

Whether you have a dream to start your own business, buy a second home, save for early retirement, or any other personal venture, we’ll analyze and help you understand 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 improvement.

Review Debt and Repayment Strategies

How much debt do you have? What type of debt is it? We’ll evaluate your debt to identify if you need to consolidate or revise your repayment strategy to improve cash flow.

Evaluate Retirement Saving Needs

What type of retirement plan do you have? How much money are you saving for your retirement? We’ll review your retirement plan in relation to your goals, and determine if there are more effective strategies to improve cash flow over time.

Build Non-Retirement Assets

How much of your income do you save outside of retirement accounts? Where are you saving this additional income? We’ll work with you to establish non-retirement assets that provide future financial flexibility.

Finding Balance

What are your personal and professional goals? How could cash flow impact these? Let’s find a way to accomplish these goals, and live a more 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 within one business day.

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