The Situation

The Drift Problem

Financial plans fail gradually, not suddenly. A savings rate that quietly declined. Insurance coverage that became inadequate after a home purchase. A budget that drifted from reality. A debt that stopped being paid down. None of these announce themselves — they accumulate silently between reviews. A quarterly checkup closes the gaps before they widen.

Financial deterioration is almost always visible in hindsight as a series of small, uncorrected drifts — each individually minor, collectively significant.

— Worthune Decision Framework

• Your financial situation has changed since your last formal review but you haven't updated your plan
• You've been feeling vague financial anxiety without being able to identify a specific cause
• You've never conducted a structured financial health review outside of annual tax filing