Financial Planning That Actually Works For Your Life
Most people don't need complicated investment schemes or high-pressure sales pitches. What they need is a clear conversation about money that doesn't feel overwhelming. That's exactly what we do.
Start a ConversationHow We Work Together
Initial Chat
We start with a straightforward conversation about where you are now. No lengthy forms, no judgment. Just an honest discussion about your current situation and what's keeping you up at night.
Reality Check
Next, we look at the numbers together. Income, expenses, debts, assets. Some clients find this part uncomfortable at first, but most tell us it's actually a relief to finally see everything laid out clearly.
Build Your Plan
We create a plan that fits your actual life, not some theoretical perfect scenario. This means accounting for your spending habits, your goals, and yes, even that coffee budget you're not willing to give up.
"I've been doing this for twelve years now, and the biggest thing I've learned is that financial planning isn't about being perfect with money. It's about understanding your relationship with money and making choices that support the life you want to build."
Torsten Bjørnstad
Senior Financial Consultant
Questions People Actually Ask Us
Before You Start
Do I need to have a certain amount of savings before working with you?
Not at all. We work with people at different financial stages. Whether you're starting from scratch or already have some savings, what matters is your willingness to have honest conversations about money.
What if my financial situation is embarrassing?
We've heard it all. Seriously. Credit card debt, missed payments, impulse purchases that got out of hand. There's no judgment here, just problem-solving.
How long does the planning process take?
The initial plan usually takes three to four weeks, with about three meetings. But this isn't a one-and-done thing. Financial planning evolves as your life changes.
During Our Work Together
What if I don't understand the financial terms you use?
Stop us and ask. Part of our job is explaining things in plain language. If something sounds like jargon, it probably is, and we should be saying it differently.
Can I change the plan if my situation changes?
Absolutely. Life happens. Job changes, family changes, unexpected expenses. Good financial planning adapts to reality, not the other way around.
How often will we meet?
After the initial planning phase, most clients check in quarterly. Some prefer monthly conversations, especially when they're working on specific goals. We adjust based on what's helpful for you.
Looking Ahead
What happens when I reach my initial goals?
We set new ones. Financial planning isn't really about reaching a finish line. It's about continuously aligning your money with what matters to you as your priorities shift over time.
Do you help with major life decisions like buying a house?
Yes, and these conversations often go beyond just numbers. We talk about how different choices affect your overall financial picture and what trade-offs you might be comfortable making.
What if I need to take a break from working together?
That's completely fine. Some clients step away for a while and come back when they need support with a new situation. The relationship is here when you need it.
A Real Example From 2024
When Emergency Savings Weren't Enough
A client came to us in April 2024 after their car needed unexpected repairs. They had an emergency fund, but it wasn't structured in a way that let them access money quickly without penalties. Plus, they realized they weren't sure what other financial blind spots they might have.
Building a Real Safety Net
We restructured their savings into three layers: immediate access money for true emergencies, a medium-term fund for larger planned expenses, and longer-term savings for future goals. We also looked at their insurance coverage and found some gaps that could have caused problems down the road.
- Created accessible emergency fund with proper liquidity
- Set up automatic transfers to prevent decision fatigue
- Identified insurance coverage gaps before they became issues
- Developed system for tracking irregular expenses
Less Stress, More Control
By September 2024, they'd rebuilt their emergency fund and when their furnace needed replacing in December, they handled it without stress or scrambling. More importantly, they told us they finally felt like they understood their money instead of constantly worrying about it.
"I thought I was pretty good with money until that car repair showed me I wasn't really prepared for life's curveballs. Working with Cognivor Reamix helped me see the difference between having money saved and having a real financial plan. Now when something unexpected happens, I'm annoyed but not panicked."
Client since March 2024