First talk & review
Every engagement starts with a proper review, not assumptions. We look at income, obligations, expenses, and current cashflow — with no assumptions. Exploratory only, with no transactions or commitments.
The process
Every engagement follows a structured path — from initial review through fit assessment to an optional cashflow management plan, with no pressure at any stage.
Fit assessment
After the initial consultation, we determine whether a cashflow management or assistance program appears suitable, or whether another route — such as budgeting referrals or other resources — is the better next step.
Your plan (if it fits)
If a cashflow management or assistance program is appropriate, it is discussed as a separate, optional step under its own written agreement. Nothing moves forward without your explicit consent.