FAQ

A Behavioral Financial Advisor, or BFA, has been specifically trained to work at the intersection of financial planning and emotional decision-making. The designation recognizes something most financial credentials do not: that financial decisions are made by human beings who are feeling things.

A BFA has been trained to slow down when slowing down serves you, to ask the questions that go beneath the numbers, and to build a planning relationship that honors your whole self, not just your balance sheet.

The Behavioral Financial Advisor (BFA®) designation is issued by think2perform and reflects education in behavioral finance and the impact of emotions and biases on financial decision making.

A Certified Divorce Financial Analyst, or CDFA, is a financial specialist who analyzes the long-term financial impact of divorce settlement options. Your attorney understands the legal process. Your CDFA understands the financial reality of what you are agreeing to, including what it will cost you in taxes, in retirement, and in lifestyle over the next twenty years.

To learn more about Certified Divorce Financial Analyst® / CDFA® visit InstitudeDFA.com.

A financial advisor helps you plan for the future. A CDFA is specifically trained to analyze financial decisions during divorce: retirement account division, the house, spousal support modeling, tax implications, Social Security timing for divorced spouses, and how all of those pieces fit together.

Some advisors hold both designations and can serve both functions, which is the combination I hold.

If you are navigating divorce, a CDFA analysis of your settlement is one of the most important pieces of work you can commission. The cost of the analysis is usually a fraction of the cost of an uninformed settlement.

If you are navigating widowhood, caregiving, inheritance, or any major financial transition, the BFA designation matters because it means the advisor has been specifically trained for the emotional complexity of your situation.

A Compass Call is a ninety-minute conversation, a single session, designed for women who want to work through a specific question with a real person. You bring the question keeping you up. We work through it together.

You leave with language for what you are carrying and a sense of the next step. No follow-on is required. Many women come for one of these and never need more.

No. I serve clients throughout the United States through Threshold Compass Strategies. I am based in Sheboygan, Wisconsin, and I work virtually with clients nationwide.

No. The framework works in stable seasons and in transitional ones. Women in stable seasons use it to understand the patterns they have already built their financial lives around. Women in transition use it to find steady ground while they decide what comes next.

Fees depend on scope. The Compass Call is a modest fixed fee and fully applied against any longer engagement if you decide to continue. Ongoing planning engagements and transition engagements are scoped individually.

I will talk about fees plainly on the first call. There are no surprises.

No. The Compass Call stands alone, and many women use it as a single conversation to get clarity on a specific question. If a longer engagement makes sense, we scope it together. You are never pressured to continue.

The Discovery Quiz is a good first step. It takes about five to seven minutes and delivers your archetype to your email, along with reflection prompts and a closing blessing. There is no obligation beyond that.

The Threshold is not a place to be rescued from. It is a place to be witnessed. Take the time you need.