A $3,999 Quick-Start Financial Plan for 2026
4 Spots Only
Miner Wealth Management 2026 New Year’s Offer
FOUR QUICK-START PLANS AVAILABLE | $3,999
TL;DR - WHAT THIS IS AND WHAT TO DO NEXT
If you want a clear, confident financial plan for 2026 - without committing to full-scale ongoing planning or investment management - this is for you.
This Quick-Start Financial Plan gives you clarity around your budget, balance sheet, cash flow, priorities, and tax picture, plus access to tax planning, preparation, and filing that we reserve for Miner Wealth Management clients.
Click on the button below to request more details and schedule your 30-minute discovery call.
When you reply, you’ll also receive a copy of our MWM Budgeting & Balance Sheet Excel tool.
OUR SERVICE
You don’t sign an agreement.
You don’t pay a fee.
Until after the 30-minute discovery call.
If, after that call, you decide this isn’t the right fit or the right timing, you’re under no obligation to move forward.
As always at Miner Wealth Management, we guarantee the quality of our work unconditionally.
We only invoice you if we deliver exactly what we promised - and you agree that we did.
We have capacity for up to four clients.
Two starting in February. Two starting in March.
When those spots are gone, the offer closes.
THE DETAILS: WHAT’S INCLUDED FOR $3,999
This is a focused, high-impact planning engagement designed to create momentum.
Included:
30-minute discovery call
Data gathering: budget, balance sheet, 2024 tax return, and paystubs
(Does not include comprehensive investment review or recommendations)
Miner Wealth Management data review and Quick-Start Financial Plan analysis
A clear, actionable Quick-Start Financial Plan with recommendations
60-minute Quick-Start Financial Plan delivery and review meeting
Two additional 30-minute check-ins during the six months following the discovery call
Eligibility for Miner Wealth Management to prepare and file 2025 federal and state tax returns, quoted separately based on complexity
HOW THIS OFFER WILL ROLL OUT
This offer will be emailed four times.
Each email will focus on one planning area:
Balance sheet and spending clarity (see article below)
Make your food budget support your financial plan (for high earners)
One life goal and one money goal for 2026
Tax strategies for W-2 earners
The offer ends when four spots are filled or on Saturday 1/24.
WHY START WITH YOUR BUDGET AND BALANCE SHEET?
If you want to know what matters to someone, look at their calendar and their checkbook.
Your budget directs money toward values.
Your balance sheet shows the results over time.
Monthly budget reconciliation isn’t restriction. It’s feedback.
How you spend today shapes what’s possible tomorrow.
HOW HIGH-EARNERS ACTUALLY SPEND
Taxes
Housing
Savings & Investments
Everything else
Food & drink
Childcare
Transportation
Healthcare
Insurance
THREE REALISTIC BUDGET SCENARIOS
Scenario 1: $15,000 per taxpayer into a 401(k)
Scenario 2: Max 401(k)s plus family HSA
Scenario 3: Early retirement with 25% savings
THREE REALISTIC BUDGET SCENARIOS (AND WHERE WE WANT TO GO)
Below are three planner-grade scenarios for a household earning $400,000 of gross income.
All numbers are annual and intentionally realistic.
SCENARIO 1: $15,000 PER TAXPAYER INTO A 401(k)
This is the “we’re saving, but not aggressively” scenario.
Taxes: 28% | $112,000
Housing: 17% | $68,000
Savings & Investments: 7.5% | $30,000
Everything else: 12% | $48,000
Food & drink: 8% | $32,000
Childcare: 7% | $28,000
Transportation: 6% | $24,000
Healthcare: 5% | $20,000
Insurance: 4.5% | $18,000
This feels responsible - but it doesn’t materially change the long-term trajectory.
SCENARIO 2: MAX TWO 401(k)s + MAX FAMILY HSA
This is the “tax-efficient optimization” scenario.
Taxes: 26% | $104,000
Housing: 18% | $72,000
Savings & Investments: 14% | $56,000
Everything else: 12% | $48,000
Food & drink: 8% | $32,000
Childcare: 7% | $28,000
Transportation: 6% | $24,000
Healthcare: 5% | $20,000
Insurance: 4% | $16,000
Same income. Same life. Better structure.
SCENARIO 3: EARLY RETIREMENT (25% SAVINGS, TAX-EFFICIENT)
This is the intentional, freedom-focused scenario.
Savings & Investments: 25% | $100,000
Taxes: 25% | $100,000
Housing: 17% | $68,000
Everything else: 7% | $28,000
Food & drink: 5% | $20,000
Childcare: 6% | $24,000
Transportation: 6% | $24,000
Healthcare: 5% | $20,000
Insurance: 4% | $16,000
Notice what changes - and what doesn’t.
Housing stays reasonable. Life stays full. Spending becomes intentional.
That’s the goal.
WHY THIS OFFER EXISTS
Most people don’t need more information.
They need structure, clarity, and accountability.
This Quick-Start Financial Plan is designed to help you:
See the full picture clearly
Make smart decisions with confidence
Reduce tax friction
Align money with life
Build momentum heading into 2026
If that sounds useful, click on the button below. I’d love to help you start 2026 on the right foot - with life and money working together.
Frequently Asked Questions
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No. This is a stand-alone planning engagement.
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No. This is a scoped Quick-Start Financial Plan.
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Possibly. Tax prep is quoted separately.
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You receive the plan and two follow-up check-ins. No obligation beyond that.
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To ensure focus, quality, and timely delivery.
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Click on the button below to schedule a discovery call.