Stewardship Matters

Life & Legacy Financial Consulting

Comprehensive planning

Where Money, Taxes, & Goals Align

Many people work with a financial advisor for investment management and a CPA firm for tax preparation — yet these professionals often operate in silos. The result? Critical gaps in your financial picture.

At ExcellingWorks, we provide independent, personalized financial consulting that connects the dots between your investments, income, taxes, and long-term goals.

We don’t manage your money or file your taxes — instead, we help you make smarter decisions by considering the full picture your advisor and CPA may not have time or capacity to address.

Our services include:

  • Tax-aware financial guidance that integrates your income, expenses, and investments
  • Strategic cash flow planning to align everyday decisions with long-term goals
  • Legacy and life planning that considers family, estate intentions, and future needs
  • Collaboration support — we help you communicate effectively with your financial advisor and CPA

We exist to help you make better financial decisions today — so you can live well now, and leave the legacy you care about.

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Services Include:

Cash Flow & Budget Planning

Understand income, expenses, savings potential, and optimize spending. Review a monthly/annual budget and observe how current spending impacts future goals.

Goal-Based Planning (Retirement, Education, etc.)

Define and plan for major financial goals: retirement, education funding, vacation homes, etc., and helps you model various funding scenarios and prioritization.

Retirement Planning

Analyze retirement readiness, project future income needs, model Social Security, pensions, and withdrawal strategies.

Tax Planning

Project tax liabilities, identify planning opportunities (e.g., Roth conversions, capital gains harvesting). Includes real-time tax projections based on client data, Roth conversion models, and tax-efficient withdrawal strategies.

Student Loan Planning

Analyze repayment options, forgiveness programs, and strategies to reduce student loan burden. Supports analysis of federal repayment programs (IBR, PAYE, REPAYE), forgiveness options, and refinancing decisions.

Net Worth Tracking and Organization

Track and understand their net worth, liabilities, and asset allocation (without managing assets). Centralize accounts to get a consolidated view of finances. Review and improve your financial position.

Estate Planning Education

Help clients understand estate planning documents (will, POA, trusts) and their current estate exposure. Visual tools to map asset flow upon death, tax estimates, and gaps in planning (no document storage or drafting, just guidance).

Insurance Needs Review

Analyze insurance coverage for life, disability, LTC, and make recommendations (not selling policies). Calculates insurance needs based on income replacement, debt payoff, and other goals.

Scenario Modeling / “What-If” Planning

Test how life changes (e.g., career change, buying a home, moving states) affect their financial future. Dynamic adjustments to income, expenses, assets, tax rules, and assumptions.

Stewardship Matters

3 Options To Connect the Dots

Your financial life deserves more than scattered advice — let’s bring it all together.

01

DIY Subscription

Take planning into your own hands with a full-featured financial platform.

02

Create A Plan

Personalized plans for life’s biggest financial questions—no ongoing commitment.

03

Periodic Coaching

Clients gain knowledge, accountability, and strategic reviews to stay focused and achieve results.

We Will Help You Every Step Of The Way

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Services in software usage and workflow improvement that helps you work smarter so you save time and money.

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