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TRANSFORM YOUR FINANCES WITH
WH PERSONAL FINANCE

Expert Guidance to Organize, Prioritize, and Build Lasting Wealth

WHAT WE DO

Our Approach is Simple, Straight Forward, and A Little Different From Most

We believe...

  • What we do works

  • We can help make lifelong change simple 

  • One-size-does-NOT-fit-all for personal finance

  • It can be stressful and daunting to discuss and deal with money issues, but it doesn't have to be

  • You need an emergency fund

  • You need to spend less than you make

  • A budget isn't the final answer to money stress or management

  • You need to automate as much as possible

  • You absolutely should spend your money on things that you value (and cut things you don’t)

  • We make personal finance attainable for everyday families

STEP 1

All of your finances good, or bad

ORGANIZE

  • Create a money map
  • Review priorities
  • Establish a 3-month spending view
  • develop short & long term goals
Attainable short & long term goals based on clear priorities

EXECUTE

STEP 2

  • Pay off debt
  • Develop long-term savings account
  • ​Follow a monthly plan
  • Maximize automation
  • Develop sinking funds
  • Live by 10-20-70 rule
  • Create emergency fund

STEP 3

GROW

Your choices, money, & future
  • Increase passive income
  • Reach long term goals
  • Grow Investments
  • Create financial wellness for your family

WHO WE ARE

Personal Finance Consultants Dedicated to Removing Barriers to Your Financial Freedom

At WH Personal Finance Josh and Caitlyn form a dynamic team. With Josh's background in Business and Entrepreneurship and Caitlyn's specialization as a Board Certified Behavior Analyst, we offer a comprehensive set of skills to guide you on your journey to financial success. Together, we're dedicated to guiding you in getting organized, executing a plan, and ultimately helping you grow toward financial freedom.

Caitlyn
& Josh

WH Personal Finance simplifies and de-stresses money issues, helping you manage your finances effectively without sacrificing fun.

Don't Stop Having Fun

WH clients continue to prioritize family vacations, and usually take a minimum of two family vacations a year, all while sticking to their plan

Prioritize
Vacations

WH clients open a high yield savings account within two sessions

Open A High Yield Savings

70-80% of Americans live paycheck to paycheck no matter their income

No Paycheck to Paycheck

Over 50% of marriages end in divorce due to money

Stay
Together
My partner and I decided to sit down with Josh to work on debt we have carried for years as well as our overall finances and family goals. Josh was professional, prepared, and supportive even as we worked through potentially embarrassing credit card balances.  His approach removed any shame we previously felt when talking about money. He can work with people who are in debt, or who are not in debt but want to learn more ways to utilize their money. I’ve known Josh for 16 years along with his wife and they are the most trustworthy people. We appreciate the money map plan and financial discussions we have had with him to move forward with our goals."
"Talking about finances is deeply personal and just about the last topic of conversation I would engage in, ever. From the beginning, Josh created a safe and supportive space for me to share the story of my money and how I got where I am, for better or for worse. He focused less on balance and numbers and more on tracking how I use money so that I could better understand my own story. This in turn helped me begin to prioritize how and where I spent my money. I sincerely cannot recommend his gentle yet knowledgeable financial guidance more!"

Jan K.
Client #2 Got in over their heads with credit card spending.
 
“Within 3 months, the framework that Josh created allowed us to make the largest change in the shortest amount of time than any other time in our transaction history, while also creating a plan to wipe $53k in credit card debt in 16 months.” 
 
Client #1 dealt with credit balances and negative cash flow for 2-3 years. The first month with WH Personal Finance they gained visibility into their finances that they never previously had. They were cashflow positive for the first time and had a clear action plan to clear out $40k in credit card debt.
 
"Josh at WH Personal Finance approached our finances in a way that removed all shame and embarrassment from our situation"
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