One conversation, then the engagement that fits the decision in front of you.
Threshold Compass is a fee-only planning practice. Every engagement is defined in scope, priced before it begins, and documented in a signed planning agreement. You are never enrolled in something open-ended, and you are never sold a product.
Start here · twenty minutes · no charge
The introductory conversation
We talk about what is happening and what you are trying to decide. I ask questions. You ask questions. By the end of it you will know which engagement fits, what it costs, and roughly how long it takes, or you will know that this is not the right practice for you and where else to look.
This is not a sales call. There is no follow-up sequence. If you want to think about it for six months, think about it for six months.
Three ways to engage
These are not stages you move through in order. They are different depths, and the right one depends on how much is unresolved. Most women in an active divorce or a first year of widowhood need the ten-session work. Some need one hour and a straight answer.
Not sure where you land? The Threshold Readiness Assessment takes about five minutes and gives you a plain reading of your position, with three things to do before you decide anything. Nothing is stored unless you send it.
1
One session
An hour of planning
One meeting on one question. A settlement offer you need read before you sign it. A pension election with a deadline. A beneficiary form you are not sure how to complete. I prepare in advance, we meet, and you leave with an answer and the reasoning behind it.
$500 per hour
including preparation and analysis
Choose this when the question is bounded and you already know what it is.
4
Four sessions
Focused analysis
Four meetings across roughly three months. We build an honest inventory of what you own, what you owe, what is titled in whose name, and what is actually at stake. Limited scope by design: we take one area of your financial life and finish it rather than opening all of them.
$1,800 total
paid across three months
Choose this when one part of the picture is unclear and the rest can wait.
10
Ten sessions
Comprehensive transition planning
Ten meetings across roughly six months. This is the work most women in transition need. Full inventory, cash-flow modeling under more than one outcome, the property and support analysis a divorce actually turns on, survivor and benefit elections, and a sequenced list of the decisions that matter in the next six months alongside the longer list of the ones that can wait.
$4,500 total
paid across six months
Choose this when the transition is live and the decisions are consequential and hard to reverse.
What the work actually involves
Every engagement, at every depth, runs on the same method. The depth determines how much of it we get through.
The inventory
Accounts, titling, beneficiaries, debt, insurance, benefits, and the documents nobody has read closely. Most of what changes an outcome is found here.
The behavioral read
How you actually make financial decisions, and under what conditions you make them badly. This is the Financial Wealthstyle Archetypes work, and it shapes how we pace everything that follows.
The analysis
Cash flow modeled under more than one outcome. Property division, support, and after-tax value in divorce. Survivor benefits, pension elections, and titling in widowhood.
The decision list
A short list of what has to be decided soon, in order, with the reasoning attached. And a longer, deliberate list of what can wait, so you are not carrying all of it at once.
What this is and what it is not
Clear boundaries make for a better engagement. Here is the honest shape of it.
What this is
Fee-only planning and analysis, paid for directly by you.
A defined scope, priced in advance, documented in a signed agreement.
Financial analysis built to be used by your attorney, your CPA, and you.
Work that takes the emotional weight of the decision seriously.
What this is not
Not a product sale. No commissions, no revenue from anyone but you.
Not an open-ended retainer that quietly renews.
Not legal advice, not tax preparation, and not a substitute for either. I do not serve as an expert witness or provide testimony in your matter.
Not therapy. Where the material lands close to something therapeutic, I will say so.
A note on fees
Engagements run from $500 for a single hour to $4,500 for comprehensive planning.
Threshold Compass is fee-only. You will know the cost of your engagement before it begins, and it will be written into your planning agreement. Package fees include intake services and the preparation and analysis time outside our meetings, which is usually where most of the hours go. Packages are paid across the life of the engagement rather than up front, and payment may be made by card or by check.
Which engagement fits, and what exactly it covers, is settled in the introductory conversation. Nothing begins until the agreement is signed by both of us. Not ready for a conversation? Start with the Threshold Readiness Assessment.
