Your money, mapped out in a way you’ll actually use — in plain English, with a spreadsheet you keep. The fee is fixed and known before anything starts.
What’s inside a Litenett personal financial plan
- A real monthly picture. What comes in, what goes out, and the honest gap in between.
- An emergency cushion that fits your life. Not “three months of salary” by reflex — a figure we size to your actual outgoings, your household, and the shocks that would hurt most.
- A plan to clear expensive debt — ordered by interest rate, with a realistic end date.
- Goals with real numbers. A house in 7 years, a career break in 3, a stress-free retirement in 25 — with the monthly figures each one needs.
- A simple decision tree for when more money shows up unexpectedly, or less.
What you receive, in writing
- A plain-language written plan (around 10 pages), signed by your consultant.
- A live spreadsheet you can edit forever — budget, debt payoff schedule, goal trackers.
- Two one-hour working sessions, recorded if you want (and only if you want).
- A ninety-day email check-in — unlimited short questions in the three months that follow.
How long it takes
Usually two to three weeks from signed engagement letter to handover. Life gets in the way sometimes — the fee doesn’t move if we need an extra week.
What it costs
A single fixed figure, quoted after the free intro call. Everything is agreed in writing before any paid work starts. No percentages, no commissions, no “it depends”.
When a plan is not the right next step
If a scammer is pushing you towards a decision this week, do a firm check first — the plan can wait. If you’ve never put a cent into any investment and you’d like to understand before starting, book education sessions instead.
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