The Pacesetter Planning Personal Savings Program

I’m excited to announce the launch of the Pacesetter Planning Personal Savings Program.  The objective of this program, beginning with a four month pilot group on January 1, 2019, is to help you double the amount you’re saving every month.

If you’re interested in participating in the pilot program at a 70% discount, please take 2-3 minutes to complete this application by Wednesday, November 21.  

In the video below, you will learn:

  • Why I’m so excited about this program, and the results you can expect if you participate
  • How the Pacesetter Planning Personal Savings Program works
  • How to participate in the pilot group of the program at a significant discount.

Program Results

I find that about 60% of the value I bring to my comprehensive financial planning clients involves helping them save more on a monthly basis, and helping them figure out where they should be putting their savings.  Because I have seen the enormous value of increasing savings rates in the lives of my clients, I want to create a way to work together that helps with this as a standalone service.

But ultimately, while we call this a “Personal Savings Program”, merely increasing your savings rate is only a small part of what this program will do for you.  By getting your cash flow under control and using your money with purpose and clarity, the potential results you will experience are countless.

  • This is how we gain confidence and reduce anxiety about our financial situation.
  • This is how you can go from being able to afford buying a house in 6 or 7 years, to buying a house in 2 or 3 years.
  • This is how you can go from retiring in your 70s to retiring at 65.
  • This is how you can get the confidence to quit a job that’s burning you out so you can do work that you truly enjoy, even if you need to take a paycut.
  • This is how you can save your money to buy the memories and experiences you want in life.

The “process” of the Pacesetter Planning Personal Savings Program might be about budgeting and banking structures, but the results you’ll get are far more important.  Your results, of course, will be unique based on your hopes and dreams for the future, and the state of your finances today.  

But ultimately, this program is about decreasing the regrets you might have at the end of your life, and increasing the kind of memories you want to have with your friends and family.

Program Details

The pilot group of the Pacesetter Planning Personal Savings Program will launch on January 1, 2019 and will run for four months.  I am expecting to officially “launch” the program to people outside the pilot group on April 1. 

But even though we won’t officially start tracking your savings until January, we’ll meet in December to get you set up on the program.  After all, we need to be ready to hit the ground running on New Year’s Day… but the holiday season is not the right time to start trying to increase your savings! 🙂

Quantitatively, the goal of this program will be to help you double your savings rate.  This, of course, isn’t a “guarantee”- hitting this type of goal will depend on your degree of participation in the program.  But, that’s the sort of improvement we are shooting for!

(I should note that this program is modeled off of a similar program developed by an Australian firm – with permission, of course! –  and they find that their clients are able to increase their monthly savings rate by two or three times the savings rate of the average Australian.)

Three Program Components

1. Budgeting

You probably saw this coming.  It’s hard to talk about increasing your savings rate without talking about budgeting.  

I’ve talked at length in the past about why most people fail at budgeting.  So you shouldn’t be surprised to hear that this program is designed to address these challenges. 

We’re going to spend some time developing a realistic budget for you (without giving up your social life and entertainment expenses.)

The goal here isn’t to cut spending across the board, it’s to make sure we’re directing enough money to the things that are important to you, both today and in the future, and making sure that you’re held accountable to these best intentions.

And we’ll spend some time helping you identify what you want to be saving for, too.

One final note on the budgeting component of the program: I’m not going to tell you how much you can spend, and how much you can’t spend.  This program isn’t a dictatorship, it’s a partnership. 

You’ll be responsible for taking 15-20 minutes at the beginning of the program to complete a “trial budget” planner, and we will meet to review it before officially starting the program.  My job is to help you see the outcomes of your budget, and help you prioritize things as necessary.  And, of course, it’s my job to do everything I can to help you stick to the budget!

2. Banking

This is probably the most important piece of the program.  We’ll make sure your bank accounts and credit cards are set up to maximize your ability to see what dollars are “spendable” and which dollars need to be saved.

Most people’s bank account structure is designed to make it very, very difficult to consistently save money.  And “designed” might be a generous word; most of the people I work with don’t have their bank accounts organized in any sort of way when I first meet them.

There’s no shame in that whatsoever.  But before you get started on the Personal Savings Program, we’ll get you set up in a proven bank account structure that will make it much easier for you to hit your savings targets each month.

3. Reporting

This is where this program will really shine.  You’ll get a series of reports from me that will help give you clarity on where your money is going and will hold you accountable to your savings goals.

There are four types of reports you’ll receive throughout the Personal Savings Program:

  • Weekly reports are designed to give you a quick overview on your spending progress against your budget in 4-6 key areas of spending.  In particular, your weekly spending reports will focus on a few areas where you know you’re more likely to overspend.  In this way, these reports function in a similar manner to the text message warnings you get from your cell phone provider when you’re close to going over your data limit.  These reports will keep you focused on the few items that really matter, and help you avoid being distracted by the rest.
  • Monthly reports will show you your progress on hitting your savings targets at the end of each month, and (after the first month) will show you trend lines on a month-to-month basis.
  • Quarterly reports will be the key report we discuss in our quarterly meetings as part of the program.  These reports will show you your progress over the past three months, and if you fell short of your savings targets, will show you where things went wrong.  The quarterly meetings we have to discuss these reports will “reward” you for hitting your savings targets by deciding what we’ll do with the extra savings, and help get you back on track if you fell short.
  • Finally, yearly reports will analyze your progress over the course of the year.  Even more importantly, we’ll use the view of your full year of saving and spending to make any necessary changes to your budget.


So, what does all this cost?

Costs to participate in the program, if you start after the pilot group launches, will be finalized after I see the results from the pilot group.  But, the fee for this program will likely be about $750 upfront and $97 per month.

But by participating in the pilot group, you will be eligible for a large discount, both for the upfront fee and the first four months of the program.

The cost to participate in the pilot program will be $225 upfront, and $30 per month for the first four months.  This is about a 70% discount off of the eventual price of the program.  

But, I only have room for ten individuals/families in the pilot group.  So if you’re interested, be sure to apply today.  It will only take you a few minutes!

Applications are due on Wednesday, November 21.  If you have any questions about the program in the meantime, feel free to email me (bill at pacesetterplanning dot com) or set up a 15 minute call so we can discuss. 

I hope to see your name in the applicants list!  And I can’t wait to see how far you’ve come by the end of the pilot program in April!