General Questions

Who do you work with?

We specialize in helping individuals and families earning under $100K who are new to financial planning. Whether you’re looking to take control of your budget, plan for the future, or simply understand your finances better, we’re here to guide you.

What services do you offer?

• Financial Planning: Personalized plans tailored to your goals and financial situation.

• Budget And Cash Flow Planning: A great starting point for those just beginning their financial journey.

• Education Workshops And Speaking: Interactive and customizable sessions for groups or organizations.

• Digital Products: Coming soon to help you manage your finances on your own time.

Is my information protected?

Improving is always the lane to provide the best experience for our customers. We use platforms that offer 2FA to protect your information. Your information is confidential as well.

What makes your services unique?

The B+ B offers advice-only, judgment-free services that are easy to understand and tailored to your needs. Our goal is to empower you with actionable steps to take control of your finances confidently. We offer flat fee vs AUM to help keep your cost-effective and beneficial.

How are appointments held?

Appointments can be conducted virtually via Google Meet or Zoom, or in person if you're local to Charlotte, NC. We take detailed notes during each session to ensure you have a clear record of our discussion.

What is your cancellation/rescheduling policy?

Cancellations or rescheduling must be done at least 24 hours before your appointment. This allows us to accommodate other clients who may need assistance.

What does it mean to be advice-only?

As an advice-only advisor, The B + B does not manage or trade investments for you. Instead, we provide guidance on buying and holding low-cost investments, empowering you to take charge of your financial future with confidence.

We can also provide retainer services, upon request.

What financial planning topics do you cover?

We like to say, "Anything that relates to your ability to spend, save, or earn money matters to us," and we mean it! Topics include:

• Selecting workplace/retirement benefits

• Budgeting and cash flow management

• Picking investments for retirement and traditional investing

• Setting children up for success (529, IRAs, etc)

• Understanding home and auto insurance

• Goal setting and prioritization

• Using the right credit cards

• Finding cheap flights

• And so much more!

Financial Planning

What are your Financial Planning services?

Plan-Only Service: A 30-minute consultation and a personalized financial plan tailored to your needs.

Comprehensive Plan: 2-3 sessions for deeper guidance and support in building and executing a detailed financial plan.

Is Financial Planning right for me?

If you're ready to make a plan for your financial future—whether you need a quick roadmap or detailed guidance—this service is designed for you. Most financial planners/ advisors focus on those who have $500K in assets, we focus on those who need to save $500 for an emergency fund and create a plan for it. The ones who need financial planning is often the ones who can’t afford it, that’s why we’re here.

Budget And Cash Flow Planning

What does the Budget and Cash Flow Blueprint service include?

A one-time consultation designed to help you create a budget, identify money leaks, and optimize your cash flow. This service is perfect for those just starting their finances/ budget and serves as a stepping stone to Financial Planning once your budget is aligned. You also get access to us after your budget is delivered for 2 weeks.

Who is this service best for?

Is anyone feeling overwhelmed by budgeting or cash flow? This service is for you. Your budget is the lifeline to jumpstarting your financial journey.

Ratios are one thing, the reality of your money is another. Those who need a financial reset and a clear understanding of their spending habits.

Workshops And Speaking

What topics do you cover in workshops?

We offer sessions on budgeting basics, retirement, employee benefits, saving and investing for beginners, building a strong financial foundation, inflation-proofing your finances, and more.

Can you tailor workshops to specific topics?

Yes! We customize workshops to align with the needs and interests of your team or organization.

Digital Products + More

What digital products will you offer?

We’ll offer tools like eBooks, templates, courses, and guides to help you manage your finances at your own pace.

When will digital products be available?

Stay tuned! Sign up for our newsletter to be the first to know when they launch.

Have a question for us that isn’t listed? Reach out to us - info@thebrandsandbands.com