Scope & Disclaimer

What the service is

The Personal Finance Review is a one-on-one, structured review of your personal financial situation. It provides financial analysis, organization, education, goal setting, and actionable planning — a framework for understanding where you stand and what to do next.

The review may cover income, expenses, cash flow, recurring spending, debt and interest rates, savings and emergency reserves, employer benefits, major goals, near-term priorities, competing goals, financial organization, habits affecting progress, and important financial ratios. It may also flag areas that deserve professional follow-up.

You receive a written review including a financial snapshot, key findings, a priority order, immediate actions, a 30-day plan, 90-day goals, and a longer-term direction.

What the service is not

• Investment management or portfolio management
• Recommendations of individual securities ("what stocks to buy")
• CPA auditing, assurance, or attestation
• Tax preparation or tax advice
• Legal advice

The person providing this service is not a CPA, a CFP, a CFA charterholder, a registered investment adviser, an investment adviser representative, an attorney, or a tax professional.

Important disclaimer

This service does not constitute investment, tax, legal, or accounting advice. It is provided for educational and organizational purposes. Specialized issues — including complex tax situations, legal matters, and investment decisions — may require consultation with an appropriately licensed professional. You are responsible for the decisions you make about your finances.

Confidentiality

Information you share during a review is treated as confidential and used only to provide the service. You decide what to share and at what level of detail. This service will never ask for passwords, banking credentials, or access to your accounts. See the Privacy page.