Capital B Advisory
You're just starting out
First real paycheck, money piling up in checking, and no idea what the next step is. This is the most common reason people call, and it's the best time to get it right.
The situation
Nobody
teaches this
part.
School doesn't cover it, your job doesn't cover it, and the internet gives you nine hundred contradictory answers within thirty seconds. So the money sits in checking, and every month you mean to deal with it.
The good news is that starting early is worth more than starting perfectly. Someone who begins at 27 with an imperfect plan usually ends up ahead of someone who waits until 35 for the ideal one.
You also don't need much to begin. There's no minimum here, and the first engagement is usually small and one-time.
First moves
Where we'd
actually start.
A cash cushion first
Before investing anything, enough set aside to cover a few months if work stops. That's what keeps you from selling investments at a bad moment.
Any high-interest debt
Credit card interest usually outruns what a portfolio reasonably returns. Clearing it is often the highest-value move available to you.
The employer match
If your job matches 401(k) contributions and you're not getting the full match, that's compensation you're leaving behind.
Then a simple portfolio
Built around when you'll need the money and how much of a drop you could watch without panicking. Not complicated, and written down.
What it costs
Usually one
conversation
and done.
Most people at this stage need the $485 model portfolio setup: one conversation, a written plan showing what to invest in and why, and instructions for doing it at whatever brokerage you use. Nothing ongoing.
If you have a single specific question instead, hourly advice is $125 with a one-hour minimum.
No commissions, no products sold, and no minimum balance. See all three options and what each includes.
Next step
Twenty minutes.
No cost.
Nothing to prepare and nothing to bring. If I'm not the right fit, I'll tell you on the call.