A clear place to start
Thoughtful guidance for financial decisions that matter
If you’re facing an important financial decision—or simply want a thoughtful, experienced perspective—you don’t have to sort it out alone.
CORE BELIEF
“I believe that only you can make the best decisions for yourself and your family.
My role is not to tell you what to do, sell you products, or push you toward a particular outcome. I help you gather the right information, understand your options, and clearly see the impact of your choices—so you can decide with confidence and move forward with peace of mind.
That belief sits at the center of my work.”
EXPERIENCE & INDEPENDENCE
I bring over 30 years in wealth management, including time spent as both an advisor and a leader to other advisors.
I am a Certified Financial Planner professional and hold a Master’s degree in Personal Financial Planning. Over the course of my career, I’ve worked with individuals and families across a wide range of financial situations-helping them navigate decisions that are often complex, personal, and time-sensitive.
I chose to work independently for a reason.
Independence allows me to:
- work without a product agenda
- focus on clarity, not complexity
- support your decision-making without pressure
- meet you where you are, not where a system wants you to be
I don’t manage assets.
I don’t sell financial products.
I don’t replace your CPA, attorney, or advisor.
Some clients already have professionals they trust. Others are just getting started. Wherever you are, we begin with the decision in front of you and move forward with clarity and confidence.
Gracia Cavanaugh
HOW I WORK
I work with responsible, thoughtful people who want a trusted perspective when important decisions come up.
These might include decisions about:
- how to prioritize saving, debt, and investing
- where to direct income or a bonus
- how to approach tax season thoughtfully
- whether to buy, sell, or invest in real estate
- how to move forward when several options are on the table
These aren’t problems to be fixed.
They’re decisions worth slowing down for.
I provide a neutral, independent space to talk them through—helping you understand tradeoffs, timing, and consequences so you can choose what feels right for you.
You don’t need everything organized before we talk. We start with the decision in front of you—and figure out what information, if any, needs more structure along the way.
WHAT CLIENTS VALUE
Clients often tell me they value:
Having a judgment-free place to talk things through
Understanding their options more clearly
Knowing what matters now—and what can wait
Feeling settled and confident about their decisions
Feeling relieved knowing they don’t have to have everything figured out before starting
That sense of clarity and relief is the goal of this work.
PENNY PLANTERS
For some clients, our work together provides exactly what they need—clarity for a specific moment or decision.
For others, clarity requires more than conversation alone. When decisions depend on incomplete, scattered, or hard-to-access information, Penny Planters provides structured support to gather, organize, and understand what you already have.
Some clients do this independently. Others want guidance—or prefer to hand everything over and let it be handled.
There’s no obligation and no required path—just support when it’s helpful.
This work is designed for real life-not perfect systems.
A clear place to start
If you’re facing an important financial decision—or simply want a thoughtful, experienced perspective—you don’t have to sort it out alone.