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Income planning is having the right amount of cash in the right place at the right time.

Cash flow is the keystone to your financial plan. 

You can have the most beautiful plan design, but it will mean little if your cash flow is not managed properly.


Cash flow management is intertwined with every area of financial planning. It is why understanding your cash flow makes or breaks you financial plan. 

Tracking your expenditures may not be fun, but there are simple ways to do it. A detailed log of your expenditures is helpful, but even a broad understanding of your expenditures can be very beneficial. 

Your Divergent Wealth Financial Planner can help you organize a sound understanding of your cash flow, even if you don't have a good understanding of where you are spending your money. It's possible to be a cash flow wizard without having to keep a detailed budget, just ask us how.  


Proper Income Planning entails...

  1. Earned Income Analysis
  2. Expense Analysis
  3. Social Security Analysis
  4. Dividend and Interest Analysis
  5. Systematic Savings or Withdrawal Analysis
  6. Dollar Cost Averaging
  7. Cash Replenishment Timing
  8. Debt/Liability Analysis


Questions to Consider...

  1. Are your current spending habits in line with your savings plan?  
  2. Do you know how much you should be saving to meet your financial goals?
  3. Have you established a systematic savings and investment plan? (Pre-retirees)
  4. Can you articulate your retirement income strategy? (Retirees)
  5. Do you feel like your finances are too complicated and need to be simplified/consolidated?
  6. Are you strategically using debt to grow your wealth or is it deteriorating your wealth?


385-237-4000