What Our Process Looks Like

At Insight Personal Finance, financial planning is more than numbers on a spreadsheet—it’s a partnership rooted in clarity, intention, and values. Whether you’re navigating a life transition, expanding your real estate portfolio, or simply seeking greater confidence and control, we help you align your money with the life you want to live.

The depth of our work together will naturally vary depending on the type of engagement you choose—but every client receives thoughtful, personalized guidance grounded in our values-driven approach.

Here’s what it looks like to work together:

Phase One: Discovery & Design

Understand where you are and where you want to go.
Our work begins with deep listening. We take the time to get to know you—your values, goals, financial history, and the vision you’re building toward. This stage is not about judgment or overwhelm; it’s about creating a clear, complete picture of your current reality and the future you want to design.

What You Can Expect

  • A Complete Financial Snapshot
    We’ll gather and organize your key financial data to build a solid foundation for analysis.

  • Thorough Review of Your Current Systems
    I’ll assess your financial documents, tools, and workflows to identify strengths and gaps.

  • Goal Mapping Session
    Together, we’ll clarify your priorities, define your direction, and set the stage for aligned decision-making.

    • Tour of Our Planning Tools & Process
      You’ll get a hands-on walk-through of the tools we’ll use together—and a clear picture of our collaborative, climate-focused planning approach.

Phase Two: Strategic Planning

Build a flexible, actionable roadmap.
With a full understanding of your life and goals, we create a customized financial plan that weaves together every aspect of your financial life. This isn’t a static document—it’s a living strategy designed to grow and evolve with you.

Your plan may include:

  • Investment strategy aligned with your values and risk tolerance

  • Retirement and savings projections

  • A Climate-Smart Real Estate Strategy to help protect your primary home, identify your next property, or build your rental portfolio

  • Insurance and risk management review

  • Advanced tax planning to reduce liabilities and support long-term goals

  • Climate-aware investment opportunities to adjust your portfolio for a changing world

If you’re building or expanding a real estate portfolio, we offer something rare: hands-on strategic guidance. We help you identify properties in climate-smart markets, assess cash flow potential, determine renovation scope, and navigate tax implications. From acquisition through ownership, we’re your thought partner every step of the way.

We also don’t treat tax planning as an afterthought—it’s a foundational part of our work. We specialize in forward-looking strategies like Roth conversions, entity structuring for real estate, tax-loss harvesting, and intergenerational wealth transfer. These aren’t generic recommendations; they’re integrated into a cohesive plan tailored to your life and legacy.

Phase Three: Implementation & Integration

Turn insight into action.
Once your plan is in place, we roll up our sleeves and help you put it into motion. Whether that means adjusting how you save, purchasing a home, or coordinating with your CPA, we ensure no details fall through the cracks.

We support you through:

  • Investment account setup, asset allocation, and asset location

  • Real estate acquisition and renovation strategy

  • Coordination with your CPA, attorney, or other professionals

  • Tactical decision-making when opportunities or challenges arise

  • Tools to track rental property ROI and long-term equity growth

Financial transitions can be overwhelming—but we offer not just advice, but structure, timelines, and support to help you move forward with confidence.

Phase Four: Ongoing Guidance

Stay grounded and adaptable.
Life doesn’t follow a straight line—and your financial plan shouldn’t either. As your circumstances evolve, your strategy will too. We stay by your side to help you adapt, course-correct, and stay focused on what matters most.

Ongoing planning includes:

  • Regular planning meetings, tailored to your engagement level. Early on, we may meet as often as twice per month to build momentum.

  • Real-time support for questions and life decisions

  • Annual tax and investment updates

  • Continued guidance on real estate, income strategies, and climate-aligned choices.

This is where the real transformation happens—through consistent action over time, grounded in a relationship you can trust.

A Note on Scope

Our process is designed to be flexible. The level of depth and customization we explore in each phase depends on the scope of your engagement. Whether you're seeking a focused consultation or a full-service partnership, we'll tailor the experience to meet your needs.

This process requires no prior knowledge or training, but it does require active participation. Our most successful clients are ready to roll up their sleeves and take action—they ask questions, engage with the material, and stay open to growth. We believe financial planning works best as a collaborative effort, and we’re here to guide, educate, and empower you every step of the way. When you bring your curiosity and commitment, we bring the strategy, structure, and support to help you turn insight into lasting progress.

Our Planning Philosophy

We believe money is a tool—and when used with intention, it can build freedom, resilience, and meaning. At Insight, we bring together expert financial guidance, climate-resilient strategy, and a deeply human approach to planning. Our goal isn’t just to help you grow wealth, but to help you use it wisely, in service of the life you truly want.