Behavioral Coaching

Decision rules, meeting cadence, and accountability that keep the plan on track in real life.

What is Behavioral Coaching?

A meeting cadence so money decisions don’t pile up or get ignored.
Guardrails for spending, saving, investing, and taxes—pre decided before stress hits.
If then playbooks for market drops, big purchases, windfalls, or income shocks.
Automation for transfers, bills, savings, and rebalancing to reduce decision fatigue.
A simple dashboard that tracks only the metrics that matter.

A one page Decision Rules & Guardrails document for quick reference.
A Quarterly Agenda that repeats and a short Annual Review ritual.
Playbooks for common stress events (market drop, job change, big purchase, tax surprise).
A small Automation Checklist to put the plan on autopilot.
A simple Progress Scorecard reviewed on a schedule.

Draw policy: percentage of free cash flow with seasonality caps.
Hiring rule: add headcount only after a trailing‑three‑month margin threshold.
Cap‑ex rule: purchase after cash buffer ≥ X months and debt service ≤ Y% of revenue.
Pricing checklist: review costs and margin targets quarterly.
Exit runway: 24–36 month checklist for taxes, liquidity, and investment transition.

How often are meetings?

Quick monthly check‑ins, quarterly reviews, and one annual reset—short, predictable, and focused.

Will this feel restrictive?

The rules define a range, not a fixed number. Most choices stay flexible inside the band.

What happens in a market crash?

The playbook sets actions in advance; the cash buffer and rebalancing rules handle most of the work.

Which tools are used?

Any bank/custodian can work; automation is kept simple and portable.

Can family be included?

Yes—partners or adult children can join key reviews so everyone understands the plan.