Our Services
Tradesman Toolkit
$5 month per Employee or Student
This tier focuses on more intermediate financial planning and goal setting for those with a few years of experience managing their finances.
Advanced Budgeting and Cash Flow Management:
Developing more detailed budgets that account for irregular income, overtime, and potential side hustles.
Strategies for managing cash flow to cover larger, less frequent expenses (e.g., tool upgrades, annual certifications).
Introduction to forecasting income and expenses.
Debt Management Strategies:
Developing personalized debt repayment plans (e.g., debt snowball or avalanche methods).
Understanding credit scores and how to improve them.
Guidance on negotiating with creditors.
Savings and Investment Fundamentals:
Setting medium-term financial goals (e.g., down payment on a vehicle or small equipment, vacation fund).
Introduction to basic savings and investment options suitable for their risk tolerance and time horizon.
Understanding the power of compounding.
Insurance Essentials for Tradespeople:
Overview of relevant insurance types (health, disability, life).
Guidance on understanding their employer-provided benefits.
Considerations for supplemental insurance needs.
Goal Setting and Tracking:
Workshops or templates to help set clear, measurable, achievable, relevant, and time-bound (SMART) financial goals.
Tools and techniques for tracking progress towards these goals.
Access to Group Q&A Sessions:
Regular online group sessions to ask general financial questions and learn from others.
Master Apprentice
$10 month per Employee or Student
This premium tier is designed to empower individuals with significant financial knowledge, including those looking to start a business or who are currently in business. It offers in-depth resources and connections to qualified professionals for building long-term financial security, focusing on providing advanced educational content and personalized guidance on complex financial and business-related topics.
Comprehensive Financial Education:
Goal Setting & Strategic Framework:
Educational modules and resources to help define and prioritize long-term financial goals, including wealth building and security. We provide frameworks and tools to analyze your current financial landscape and explore potential future scenarios.
Advanced Investment Education:
In-depth learning materials covering various investment concepts, including different asset classes like stocks, bonds, and real estate (for educational purposes relevant to your goals). We explore principles of portfolio diversification and understanding tax-advantaged investment accounts (e.g., Roth IRA, Traditional IRA, SEP IRA for informational purposes).
Retirement Education:
Comprehensive educational resources on estimating retirement income needs and understanding the mechanics of retirement account rollovers and distribution options.
Tax Education for the Trades:
Informational content on common tax deductions and credits relevant to trades professionals (e.g., business expenses for the self-employed, tool purchases). We provide educational strategies for understanding tax obligations and potential ways to minimize liability. We also offer access to resources for finding tax preparation services.
Estate Planning Education:
Introductory educational materials covering basic estate planning concepts such as wills and beneficiaries.
Personalized Coaching & Advisor Access:
Personalized Educational Coaching Sessions:
Benefit from regular one-on-one coaching sessions (via video or phone) focused on building your financial literacy, demystifying complex concepts, and fostering informed decision-making. These educational sessions draw upon the combined knowledge of For The Trades Financial Wellness and our partner, CWR Capital Management LLC.
Curated List of Financial Advisors:
Access to a carefully compiled list of qualified financial advisors in your area who can provide personalized financial advice and planning services, should you choose to engage with one.
Priority Access and Exclusive Educational Resources:
Priority scheduling for educational coaching sessions.
Access to exclusive educational webinars, in-depth workshops, and comprehensive financial guides designed to expand your knowledge.