Compare realistic paths
Lay out the real choices, timing, costs, benefits, and limits that matter.
Work With Stephen
When the decision is too important for self-service.
Use a private session when a published FV tool fits but you want to work through your numbers together. Apply for custom work only when your choices or situation genuinely require something different.
Decision support only. This is not individualized investment, tax, legal, insurance, or financial advice.
What the work does
The goal is not more analysis. It is fewer unanswered questions.
A good assessment should leave you able to say: “Here are my real choices. Here is what each costs. Here is the number that matters most. Here is what would change my decision.”
Find what controls the result
Change the important numbers and see whether the answer still holds.
Know when the answer flips
Find the number, range, or condition that changes which path comes out ahead.
Typical scope
Built for major life and business decisions, not investment picking.
The service does not recommend specific stocks, funds, or portfolios. It focuses on decisions such as career, education, debt, housing, family, and clearly defined business choices.
Good fit
- Career and education
- Debt payoff and cash flow
- Housing and family
- Childcare and one-income scenarios
- Business purchase, hiring, pricing, and operating choices
Not included
- Specific security or fund recommendations
- Personalized portfolio allocation or rebalancing
- Contribution, withdrawal, or conversion strategy
- Definitive tax, legal, insurance, or licensing advice
- Guaranteed outcomes or account management
The deliverable
You should understand the answer well enough to challenge it.
You see the choices, the important numbers, the Flip Points, and the weak spots in the conclusion. If something changes later, you know where to look.
Alternatives
The real choices and the facts used for each.
Important numbers
What we know, what we estimated, and what is still uncertain.
What changes the answer
Which numbers have the biggest effect on the answer.
Flip points
The conditions that change which choice comes out ahead.
Verdict
The best-supported call using the numbers we agreed to use.
What could make it wrong
The missing fact or changed number most likely to reverse the call.
Working together FAQ
Do not buy a custom assessment when a simpler tool can answer the question.
A Personal Decision Session is $595 when an existing FV tool fits. Custom Assessments start at $1,999 when your decision needs a different structure or different choices.
What decisions are a good fit?
Large non-securities decisions with multiple realistic alternatives, such as career, education, debt, housing, childcare, and clearly bounded business decisions.
What do I receive?
A structured comparison using the facts and numbers we agree on, including what matters most, the Flip Points, the conclusion, and the important limits.
How long does it take?
Timing is confirmed when the scope is accepted because the work depends on the decision, the number of alternatives, and whether required facts are already available. No turnaround is promised here that has not been agreed for the engagement.
Is this financial, tax, legal, or investment advice?
No. It is structured decision support. The current scope excludes personalized securities selection, portfolio allocation or rebalancing, and definitive tax, legal, insurance, accounting, or investment advice.
What happens before I pay?
The application is reviewed for fit and scope. The decision, alternatives, required facts, deliverable, price, and expected timing should be clear before tailored work is accepted.
Use your numbers
Start with the least expensive path that can answer the question.
If a published FV tool fits, use the $595 Personal Decision Session. Apply for custom work only when your decision genuinely needs something different.
Do not submit Social Security numbers, account credentials, full account numbers, or unredacted IDs.