Built by someone who saw the problem firsthand.

I built Waterfall Planning because I got tired of seeing people overwhelmed by financial planning tools that either wanted access to all their accounts or were so complicated they gave up halfway through.

I grew up in Jacksonville, Florida, worked my way through the University of Florida, and spent four years in institutional finance after graduating in 2021. Along the way, I earned the Chartered Financial Analyst® designation and became a CFP® professional. I learned a lot, but I kept noticing the same problem: regular people had no simple way to build a financial plan without hiring someone or handing over their bank logins.

So I built this. A straightforward tool that helps you create a budget, set savings goals, and see your retirement projections -- all in about half an hour, without linking any accounts. No tracking every coffee purchase. No third-party data sharing. Just a clear plan.

My mission is straightforward: empower every American to take control of their finances with confidence. Waterfall Planning focuses on the essentials -- building an emergency fund, tackling high-interest debt, maximizing your employer's 401(k) match, and chasing your dreams, whether that's a new home, a dream vacation, or a secure retirement.

Waterfall Planning is an educational planning tool. It does not provide personalized investment advice and is not a registered investment adviser or broker-dealer.