Your minimum cash requirement
Essential monthly spending, one-time costs, available cash, and how long that cash could support the plan without salary or new revenue.
The Breaking Free Decision Map
You have the spreadsheet. You still do not know what to do.
I help you turn a major family, career, or relocation decision into three things you can use: the cash it requires, the fears and opportunities hidden inside each option, and a practical next step that does not depend on blind faith.
The moment this is for
The question is bigger than “Can I afford it?”
Can I leave, pause, or reduce work without putting my family in a fragile position?
Can we afford a move, sabbatical, childcare change, or season with less income?
What am I actually afraid will happen, and which part of that fear can we test or prepare for?
Could a lower-income year create a useful window for capital gains, Roth conversions, or other tax planning?
Which option makes financial sense without consuming the time or energy I am trying to protect?
Deciding for a business rather than a household? That work lives here.
What you leave with
Numbers clear enough to support a decision.
A side-by-side option comparison
Each realistic option compared by dollars, taxes, time, energy, family effects, and how easily you could change course later.
A fear and downside map
What you are afraid will happen, how likely and costly it may be, what can be protected against, and what uncertainty no spreadsheet can remove.
A tax-aware opportunity list
Lower-income-year moves worth modeling, plus the questions that need your tax preparer or another licensed specialist before implementation.
The assumptions that matter most
A short list of the numbers that could change the answer, including income, insurance, spending, timing, and the cost of changing course.
A 90-day next-step plan
What to verify, what to test, and what to stop doing before you make the larger move.
How it works
A decision process, not another permanent planning project.
- 1 Tell me the decision.
Send a short email describing the choice, why it feels difficult, and what financial information you already have.
- 2 We define the work.
We identify the specific question, the information needed, the limits of my role, the timing, and the fee before the engagement begins.
- 3 I build the map with you.
We organize the numbers, compare the realistic choices, and separate risks you can prepare for from uncertainty you will have to become willing to carry.
- 4 You choose the next step.
You receive the analysis and a practical 90-day plan. The decision remains yours; it is simply no longer hiding behind vague math.
A Decision Map engagement typically runs 2–3 weeks. Fees are fixed and quoted after we define the work — you will know the number before anything begins.
The overlooked opportunity
A career break changes more than the paycheck.
A year or two with lower earned income can create a tax-planning window that did not exist during your highest-earning years. The pause still has a cost. But treating it only as lost salary misses part of the math.
Read: Zero Is a Legal NumberTax-gain harvesting
Intentionally realizing long-term capital gains while taxable income is lower may allow some gains to fall within the 0% federal long-term capital-gains bracket and can increase the investment's cost basis.
Roth conversions
Moving part of a traditional retirement account to a Roth can be worth modeling when ordinary income is lower. The converted taxable amount counts as income in that year.
The whole-household check
Capital gains and conversions can affect health-insurance premium credits, state taxes, estimated payments, and other income-based rules. The useful question is not “Can I pay zero tax?” It is “Which income should we recognize, in which year, and what else changes if we do?”
The Decision Map identifies and models questions to take to your tax preparer. It does not replace personalized tax advice or tax-return preparation. Rules and thresholds change, so any move should be confirmed using current law and your full household picture.
Illustrative example
“Can one of us stop working for two years?”
This example shows the process, not a promise about any particular result.
Monthly household essentials, childcare changes, health insurance, taxes, and one-time transition costs.
What are you afraid will happen: the working spouse loses income, expenses run high, the pause becomes permanent, or your professional identity is harder to rebuild?
Model expenses 10% higher, a job loss, a third year without salary, and the cash or insurance each scenario would require.
Stop working, reduce hours, delay six months, add consulting income, or change childcare instead.
Model long-term gains and Roth conversions across both years, then coordinate the plan with health insurance, state taxes, and your tax preparer.
Confirm insurance, run a three-month spending test, hold the required cash, and choose a decision date.
Why me
The résumé part, briefly.
Seventeen years in corporate finance. Controller and treasury manager for a private-equity multifamily portfolio — roughly $3 billion of real estate across 60+ entities. Tax, treasury, cash flow, multi-entity consolidation, and the monthly closes that made all of it visible. I hold a Washington CPA license.
Then I ran the same mechanics on my own life: left in 2022, moved the family abroad, planned the no-salary years, came back on purpose, and made the work, childcare, income, and identity decisions I write about here.
A good fit
You need clarity around a specific decision.
You are willing to share the relevant numbers, name what you are afraid will happen, question your assumptions, and consider more than the two choices you started with.
Not the service
This is not investment or legal advice.
I do not recommend securities, manage investments, sell financial products, provide legal advice, or replace a tax preparer or another licensed specialist when that role is required.
Start with the decision
You do not need perfect numbers. You need numbers honest enough to act on.
You do not need to know which analysis, spreadsheet, or tax question you need. Tell me the choice you are facing and what feels uncertain. I will use that to propose a focused program for the decision.