Sleep Better. Spend Smarter. Live Fully.

Stop wondering where your money goes and start taking control.
We help people from all walks of life break free from the paycheck-to-paycheck cycle and build long-term wealth by growing their financial intelligence.

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You're Not Alone in This Struggle

63%

of Americans live paycheck to paycheck
(including those earning $100k+)

57%

can't afford a $1,000 emergency without going into debt

#1

Money is the leading cause of stress in relationships

76%

feel anxious when thinking about their financial future

You work hard for your money, but where is it all going?
Most people were never taught how to manage money — not in school, not at home. Break the cycle of earning, spending, and crossing your fingers that everything will work out.

There's a Missing Type of Intelligence

Most people measure intelligence by IQ — your ability to think and reason.
Later, we added EQ — emotional intelligence.
But there's a third type that shapes almost every part of modern life:

IQ

How you think

EQ

How you feel

FQ

Financial Intelligence
How you understand money

Financial Intelligence (FQ) is your ability to understand, manage, and align your money with your life. And unlike IQ, you can absolutely build your FQ — and it just might change your life.

The PILLOW Method™

A 6-step path to financial peace of mind

P

Prepare

Get clear on your current financial situation — income, expenses, debt, and net worth. You can't change what you don't know.

I

Ignite

Create a compelling "why" that will fuel long-term change. When your money aligns with your values, everything becomes easier.

L

Limit

Cut unnecessary spending and eliminate spiraling debt. Start telling your money where to go instead of wondering where it went.

L

Layer

Build strong financial protections and foundational systems. Sleep better knowing your bases are covered.

O

Optimize

Maximize income, minimize taxes, and grow wealth wisely. Once you're stable, it's time to build.

W

Win

Create long-term habits, adjust as life changes, and live aligned with your goals. Money isn't the goal — the life you want is.

Our Approach is Different

Clarity over Confusion

We explain money in plain English, cutting through financial jargon

Empathy over Judgment

We meet people where they are, without shame or criticism

Consistency over Perfection

It's about staying on track, not being perfect every day

Freedom over Fear

Feel in control of your financial future, not anxious about it

Progress over Complexity

Simple steps lead to powerful results over time

Peace over Stress

Create calm confidence about your money, not constant worry

We believe financial well-being isn't about chasing perfection — it's about creating peace of mind. No guilt. No shame. No guesswork. Just a plan you can actually follow and feel good about.

Ready to Sleep Well Again?

Take the first step toward financial peace of mind. Schedule your free consultation or discover your Financial Intelligence score.

Schedule Free Consultation Take Your FQ Quiz