Thinking back to when I started this project, I’m not sure if I mentioned that it’s my plan to release six different segments of our Six Stones series.

All six of our Stones are a crucial part of your financial path – and building your knowledge and experience in each part brings you closer to achieving Cash Confidence after your divorce.

The six parts are:

1. Manage

2. Protect

3. Improve

4. Grow

5. Use

6. Leave

Manage is all about how a few simple steps can change the way you think about the money that flows into, and out of, your life.

And how by layering good decision upon good decision, you can wrest back control of your finances.

The next Stone, Protect, is where I’m going to talk about risk – what it is, how to recognise it, what to do about and how you can protect yourself and loved ones from the nastier impacts.

It’s not an easy topic to make interesting, but dammit I’m going to try!

In Improve, I’m going to demonstrate a few ways you can tackle the debts in your life. There’s a lot of discussion about ‘good’ and ‘bad’ debt, but the simple reality is that carrying debt limits your options.

I want to show what that can mean for your present and future, where it’s a good idea to close down some options, and a few ‘hacks’ to help clear the debt you have, faster.

Grow is the fun part. Well, the exciting part, at least. Traditionally anyway! This is where we talk investing – what it is, why it’s worth doing, how to do it and what I see as some of the traps along the way.

We also talk about superannuation in Grow. I won’t go into great depths on the technical specifics because, well, they’re tremendously boring. But ‘super’ is such a key part of your financial journey – and I’ll show you how to use it to help you get where you want to go.

Use is a bit of a departure from the world of financial advice as you might think of it. There are three ways you can use your money – spend it, invest it or give it away.

By focusing on the third option, I aim to explore what that means for you as the donor, what giving responsibly means and some of the options you have to make sure each dollar has as big an impact as you imagine.

And we finish with Leave, the not-always-pleasant topic of what kind of legacy you want to leave and how your money is tied up into it.

I’m not a lawyer, so I’ll stay away from the documentation and mechanics involved, and instead focus on helping you explore what you want your legacy to be, and how to ensure it’s a decent and accurate reflection of the money life you’ve led.

How Am I Going To Do This?

I already have these conversations with my clients and our advice is tailored to their needs and their circumstances.

But that advice isn’t affordable, convenient or even desirable for everyone, as you can imagine.

At the same time, I don’t want that information and guidance hidden behind paywalls and limited by my capacity to help people on a one-to-one basis.

So here’s the plan I’m going to follow to try and provide this information to as many people as possible, and provide different levels of value for you to choose from (all prices quoted including GST).

1. These Posts

   (Free)

   These are, and will always be, free. I’ll use these posts to explore my ideas, define my points and summarise my thinking on all these points. They’ll be useful, and will likely form 80% of the basis for the books.

2. EBooks

   ($4)

   Going by the 80+ page, 20,000 word manuscript of the Manage book currently being reviewed, my hope is that we can provide enough detail for people to execute these ideas themselves. And by keeping the price to $4, I think we’ve struck a good balance between price and value.

3. Short Discussions

   (30-minute – $110 / 60-minute – $198)

   But sometimes reading a book isn’t quite enough. For those looking to discuss some specific part of our process or to try and evolve today’s motivation into long-term determination, I’ll offer 30-or-60 minute video chats or face-to-face meetings in our office.

   We won’t be providing financial advice in these meetings, but I’m confident we can really help people take that next step towards Cash Confidence.

4. One-on-One Coaching

   ($495)

   Everyone’s situation is unique, and I appreciate that one of our Short Discussions might not be enough to help you apply our ideas to your circumstances. So by offering 3, 45-minute sessions where we can really dive into what you need to do to chase Cash Confidence, I believe we can better help those of you looking to get to that next level.

   Again, we can’t provide personal financial advice at this price point, but we’ll do everything we can to help you get where you need to be.

5. Advice Packages

   (Starting at $3,300)

   After thinking about how we can better manage the cost for the people we work with, we’ve decided to offer discrete, tailored advice packages aligned with each of our Six Stones.

   That way you can decide when and how you engage us for your own personalised financial advice. And by keeping the scope clearly defined, we’re able to offer even more value at a reasonable cost.

6. Bespoke Advice

   ($7,700 minimum)

   And finally we have our utterly personalised, totally bespoke offer. For those with a steeper hill to climb to Cash Confidence (more complex circumstances, perhaps, or a uniquely layered situation), we offer our Bespoke Advice option.

   We’ll work with you to define precisely what you need – and do everything to give you the greatest chance of achieving it.

By offering these different tiers for you to choose from, I hope you can find a way that works for you and for what you’re looking for.

I also hope that by putting this information out there we can help as many people going through divorce achieve Cash Confidence as possible.

I’d love to hear from you with any suggestions, ideas, questions, criticisms, issues or anything really, so please email me at [email protected]!