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Cashflow Diagnosis
Cashflow Diagnosis
Twelve months of statements read as a topographical map — seasonality, leak points, silent sinks.
From income and expenses to assets and liabilities — a complete household financial map, leaving room and possibility for every stage of life.
Not a ledger to be balanced, but a territory to be surveyed — drawn once with care, and re-measured each year.
Accounting records what has happened; budgeting disciplines tomorrow. Planning sketches the coastline of the next twenty years before the family sets out.
A planner draws the territory before the traveller sets out. We begin with every household's four coordinates — income, expenses, assets, liabilities — and read them together as one surface. Numbers acquire meaning only when they sit in their proper quadrant.
For families whose lives straddle the US and Greater China, the map needs two scales at once: W-2s, 401(k) limits, and estate thresholds on one side; offshore accounts, FX controls, and succession order on the other. We draw them on a single sheet so you never have to convert between coordinate systems in your head.
The point of the map is not the map. It is to leave room — for the child who will study abroad, the parent who will need care, the business you have not yet started.
Every household statement we produce opens with this plate — income and assets above the meridian, expenses and liabilities below. Read columns for liquidity, rows for stability. The household sits at the origin.
SSN · ITIN · First remittance · First return · Building credit from zero
Joint filing · First home · Life & health coverage · Long-distance elder care
RSU · ISO · Carry · Bracket management · The first appearance of passive income
529s · Private school · College aid strategy · Protecting financial aid from intergenerational assets
Withdrawal order · Healthcare · Bracket descent · Tax residency choices abroad
Gifting · Trusts · Cross-border succession order · Turning family values into documents
Twelve months of statements read as a topographical map — seasonality, leak points, silent sinks.
Cross-border accounts consolidated by liquidity, tax residency, and line of succession — not only totalled, but positioned.
Write 'the childhood we'd like to give our children' as a discountable goal, paired with the volatility it can bear.
Four light touches a year, one deep review. The map is not engraved — it is surveyed again every year.
Planning never runs alone. Every decision passes first through tax (02) and estate (07).
Accounting records what happened; bookkeeping disciplines the present. Planning leaves room for life stages that have not yet arrived. We do not replace your bookkeeper — we sit above them and give the numbers a shape.
We'll start by listening. No questionnaire, no document request — just thirty minutes to understand what the next ten years should leave room for.
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