You Are at a Threshold. Financial clarity for women navigating the moments that change everything.

Find your way from here.

Everything on this site, gathered in one place.

The four thresholds

The transitions this practice was built for.

Divorce
Widowhood
Caregiving
Disruption
When Transitions Converge
Divorce Financial Strategy for Women

The Generational Letters

Written for where you are in life, not just what you are going through. Read them here, at your own pace.

The Gen X Financial Reckoning
The Millennial Financial Reckoning
The Boomer Financial Reckoning
The Later Life Financial Reckoning

The Healing Path Letters

Fifteen letters, each one written for a single thing a woman might be carrying. They are grouped here by healing path. Start wherever the description sounds like your own life.

Scarcity

What She Taught You Without Meaning To
for the woman with a lost or challenged relationship with her mother

Control

What You Found, and What It Costs to Have Found It
for the woman who lived under financial control, or discovered financial infidelity

Silence

The Conversations He Never Had With You
for the woman with a lost or challenged relationship with her father

Loss

When Grief Arrives With Paperwork
for the woman heavy in grief

The Loss That Has No Word
for the mother who has lost a child to death

She Is Here and She Is Gone
for the woman whose parent is still alive but no longer knows her

The Life That Did Not Arrive
for the woman who is childless, not by choice

Betrayal

The Marriage That Ran on Your Doubt
for the woman who lived with a narcissistic spouse

The Debt You Found After the Funeral
for the woman who found the debt after he was already gone

Forgiveness Without an Apology
for the woman who forgave someone who never apologized

Guilt and Shame

The Child Who Is Alive and Gone
for the mother who has lost a child to the strain of relationship

Over-Responsibility

The One Who Was Never Off Duty
for the eldest daughter who has carried the family since childhood

Legacy

When Both Chairs Are Empty
for the woman who has lost both parents

The Sister You Are Not Speaking To
for the woman with a broken relationship with her sister

The letter that closes the series

Permission to Wallow
for the woman who needs to wallow

Letters

Longer pieces, written for the questions each transition actually raises. Read them here, at your own pace.

Widowhood and What Comes Next
Caring for Others While Protecting Yourself
Her Inheritance Era
The Honest Money Conversation
Finding True North

Free guides

Working documents with checklists and worksheets. Each one arrives by email.

The Threshold Letter
The Financial Transition Guide
Before You Sign Anything

About and story

Who is behind this work, why it exists, and where it shows up beyond this site.

Born For This
Meet Teresa
About the Women You See on This Site
Stories
Speaking
Press and Media
Resources

Working with Teresa

When reading is no longer enough and you want a person across the table.

Working Together
What You Can Expect
Fee Structure
Meet Teresa
Contact
FAQs

Threshold Compass Strategies  ·  Fee-Based Financial Planning for Women in Transition
Threshold Compass Strategiesā„¢ is a Wisconsin-based Registered Investment Advisory Firm registered with the Wisconsin Department of Financial Institutions. Teresa McAlpine, CDFA, BFA, is a fee-based financial planner. This content is educational and is not personalized financial, legal, or tax advice.