See your finances clearly. Build the future you want.

A personal financial coaching practice for people who want to know exactly where their money goes — and what to do about it.

Does any of this sound familiar?

Things I hear all the time from people who are doing well — but know they could be doing better.

I make good money — but at the end of the month, I genuinely don't know where it went.
I think I could retire early. But I have no idea if I'm actually on track — or what it would even take.
I have money sitting in a savings account doing nothing. I know I should be investing it. I just don't know how, and I'm embarrassed I don't already know this.
I talked to a financial advisor once. I left more confused than when I walked in. They kept pitching products. I just wanted someone to explain my situation clearly.
I feel like everyone around me has this figured out. I'm the one quietly pretending I do too.
I keep saying I'll deal with my finances next month. That was three years ago.

How it works

Three steps from first conversation to a plan you can actually execute on your own.

01
Discovery

We start with a conversation

A free 30-minute discovery call to understand your situation and figure out if this is the right fit. No obligation, no pressure.

02
The Audit

I dig into your numbers

You submit your financial data through a secure private portal. I analyze every transaction — every dollar in, every dollar out — deeply and without judgment.

03
Clarity

You walk away with a plan

We meet live to walk through your Financial Clarity Report. You leave understanding your money, knowing exactly what to do next, and empowered to manage it yourself.

What you'll walk away with

The transformation is as much about what ends as what begins.

Choose the level of support

Every engagement starts with a free 30-minute discovery call. From there, choose the level of support that fits your goals.

Clarity

Audit only
$750
One-time · 2–3 week delivery
  • Free 30-min discovery call
  • 360° Financial Clarity Audit (6 or 12 months of data)
  • Financial Clarity Report with Sankey diagram + 30/60/90-day roadmap
  • Live 60–90 min delivery session (Zoom or in-person)
Book a Free Call

Ongoing Sessions

Add-on, any cadence
$350/ session
Available after initial engagement
  • Monthly, quarterly, or as-needed
  • 45–60 minutes per session
  • For existing clients
  • No long-term commitment
Book a Free Call

From quiet anxiety to genuine clarity

Anonymized stories from clients who came in unsure — and walked out with a plan.

The couple who couldn't figure out where their money went

Married, early 30s · Both in tech · $350K combined · One child
The Problem

Assumed they were doing fine. Savings rate under 5%. Every month felt like there should be more left over.

Key Finds
  • Combined food and delivery: $4,100/month
  • Neither had maximized their 401k
  • No house down payment plan despite it being a stated goal
The Solution

Rebuilt the family budget around their real priorities. Cut delivery and takeout without changing dining-out frequency. Both maxed 401k contributions, and opened an automated down-payment account.

The Outcome
Savings rate: 5% to 28% in three months.

First-ever down payment timeline — and a shared plan for hitting it.

The pre-retiree who needed confidence, not cuts

Single woman, 54 · VP at Seattle biotech · $310K income · $2.4M saved
The Problem

A diligent saver who had never modeled retirement concretely. Assumed she wasn't ready. Kept working a job that was burning her out.

Key Finds
  • $380K in cash / low-yield savings
  • 401k invested for someone 10 years younger
  • No Roth conversion strategy
The Solution

Built a retirement model from her actual spending — and showed her she was already there. Moved idle cash into a treasury ladder, rebalanced the 401k, and laid out a multi-year Roth conversion plan.

The Outcome
$96K/year in retirement income before Social Security.

She is now planning her last day at work.

All case studies are anonymized. Names and identifying details have been changed to protect client privacy.

Bank-level encryption

Your data is protected with bank-level encryption, both in transit and at rest.

SOC 2 certified portal

Files are submitted through Assembly, a SOC 2 Type II certified client portal — never email or shared drives.

Data governance

We never sell, share, or use your data for AI training. You can request full deletion of your data at any time.

Gautam Mehta
Founder · Financial Coach

Two decades of doing this for myself. Now for others.

I spent 17 years climbing the corporate ladder in biotech. The whole time, personal finance was my hobby — I've always been drawn to it, and I've always been the person friends and family call when they have money questions. Not because it's my job. Because I genuinely love this.

When I was laid off in 2025, something unexpected happened: I didn't panic. The habits I'd quietly built over two decades had actually worked — high savings rate, low-cost index funds, real estate, never timing the market, keeping expenses in check. Compounding, patiently. I found myself taking my son to the playground on a Thursday afternoon — and realizing that's exactly where I wanted to be.

Here's how I think about money: I don't believe in cutting everything. I spend more than most people on travel and skiing — those are my passions and I don't apologize for it. But I spend almost nothing on the things that don't actually matter to me. Every month, I do a full audit of my family's finances — every category, every line item. I know exactly where we're on track and where we're drifting. That level of clarity is what makes the whole system work.

Now I help others build the same. We start with a clear picture of your finances — where your money is actually going and where the gaps are. Then we build a plan around your specific goals. Maybe that's saving more each month. Maybe it's finally understanding how to invest with confidence. Maybe it's figuring out whether early retirement is actually within reach — and what it would take to get there. Whatever your goal, we'll put it into action together.

I'm not a financial advisor. What I am is someone who has lived this — and will work alongside you to understand your full financial picture, share my philosophy, and help you actually reach your financial goals.

I am not a licensed financial advisor or CPA. I do not manage investments or client money. I do not recommend specific investment funds or securities. I do not provide tax preparation, legal advice, or insurance recommendations.

Questions, answered

No. You upload bank and credit card statements (PDFs or CSV exports) to a secure portal. You never share passwords, and you can choose to upload CSVs only — no account numbers visible.
No. I'm a financial coach — I provide education, clarity, and a structured plan. I don't manage investments, recommend specific securities, or provide tax or legal advice. My goal is to help you understand your own finances well enough that you don't need to hire anyone to manage them for you.
From data submission to report delivery is typically 2–3 weeks. The process: you submit your statements, I analyze everything, we schedule a 60–90 minute live session to walk through the report together.
No. The audit does that work for you. Most clients have never tracked their spending — that's exactly what the audit is for.
I've seen it all, and there is no judgment here. The audit exists to make the invisible visible — not to shame anyone. Most clients are surprised by what they find, and that surprise is the beginning of real change.