Tier 2: Guided Personal Wealth — Budgeting, Spend Analysis & Tax Insight
Tier 2 provides ongoing personal financial guidance for individuals who want to actively improve how they manage their money. This tier includes budgeting support, spend analysis, cash flow insights, and proactive tax awareness throughout the year. Income, withholding, and major expenses are reviewed regularly to identify trends, control lifestyle creep, and improve overall financial efficiency. Instead of reacting to financial issues as they arise, clients receive practical guidance that supports better decision-making, smarter cash management, and reduced financial stress.