Personal Finance

Budgeting that actually works.

Drowning in debt? Struggling to save money after paying your bills? Frustrated that you aren’t making progress towards your goals? We get it, and you aren’t alone. There is a solution for every problem and a path toward every dream. Let’s work together so your money becomes a tool rather than a burden.

Let’s be honest — you’ve probably tried it all. Budgeting apps, color-coded spreadsheets, even old-school pen and paper. Yet, no matter what method you use, it never seems to help you make real progress toward your goals or save as much as you hoped. That’s because all of those tools are missing one crucial element: accountability.

You already know what your goals are and you have the drive to reach them, but life gets busy, priorities shift, and it’s easy to fall off track. That’s where we come in.

Think of it this way. If you wanted to lose weight, gain muscle, and get in great shape what would you do? Sure, you could get a gym membership and work out on your own, and maybe you’d stick with it for a while. After a few weeks though, you are likely to fall back into old habits, start skipping days, and let up on your diet. But if you hired a personal trainer who’s expecting you to show up, guiding your workouts, and pushing you to reach your full potential, your chances of success skyrocket. The same is true for your money.

We are here to help you to define your goals, create a clear roadmap, and hold you accountable every step of the way. You’ll stay on track, stay motivated, and finally start seeing the results you’ve been dreaming of.

So, what do you say — are you ready to finally take control of your money once and for all?

Let's Get Started

How It Works

Create a Plan

  • Start with a big picture. What do you want your financial position to look like in 20 years? What lifestyle do you want to live, and what will it cost to maintain it indefinitely?

  • Review income, expenses, debts, and savings to see where you stand today.

  • Based on your current position, align your spending with the things that matter to you and prioritize things that bring you fulfillment. Every choice now should be an intentional step towards your long-term goals.

Track Your Progress

  • During your onboarding session, we will connect each of your bank, loan, and investment accounts to a central data book which will be used to aggregate all of your transactions.

  • Each day you will receive a recap of your recent transactions, an update on how you are tracking against your monthly budget, and personalized tips for how to avoid falling off track.

  • You are welcome to reach out at any time with questions or concerns, and our team will respond as quickly as possible. You will also occasionally receive personalized notes with helpful tips and guidance to support your financial journey. Every message is tailored to your unique goals and financial situation, ensuring the advice you receive is relevant and actionable.

Review and Adjust

  • At the end of each month, we will send you a summary of your income, spending, saving, and goals progress for the last 30 days, year to date, and in total since you began with Cresthaven.

  • Even the best prepared plans do not always come to fruition for a multitude of reasons. Identifying areas of improvement is a crucial step that we will take each month to be considered when planning for the future.

  • The last step each month will be to meet one-on-one to discuss how we would like to proceed. This is your opportunity to wipe the slate clean, consider any progress or setbacks you have made since the prior month, and build a budget for the next month that is achievable and in line with your overarching set of goals and values.