Get your cash flow on track and build real wealth.
Full-stack financial coaching for people ready to get intentional with their money. Retirement, education, and today with all three buckets filled, none of them neglected.
Financial coaching is critical for everyone, but we find that three types of families are most ready to “do the work.”
You’ve read the books. You know the principles. What you’re missing isn’t discipline, but rather a coach who understands that your situation deserves a real strategy, not a guilt trip about lifestyle creep.
One-income families
Families who want to live on one income, where cash flow is paramount. I provide the visibility, accountability, and strategies to thrive.
Nearing retirement
Folks nearing retirement, asking “Can I live well on my nest egg?” Let me provide the actual roadmap so you’ll know you are On Track!
Major life events
Anyone experiencing a big change: getting married, losing a loved one, having a baby, and more. You don’t have to meet these milestones alone! I’ve been through it and will guide the way.
Three steps. No surprises.
Discovery
A free 30-minute call. We see if we’re a fit and scope the work. No pitch, no pressure.
Blueprint
Two to four weeks of focused work, ending with your One-Page Blueprint and the supporting analysis behind it.
Implement & review
We put the blueprint into action together. Ongoing engagement if it serves you; one-time project if that’s the better fit.
Financial coaching for real life.
Whatever that looks like for you.
Cash flow, budgeting, and the buckets that matter, such as retirement, education, and savings goals like a house or car.
If your situation is homeschooling on one income, there’s something built just for you too.
Money is a tool, not a goal. Stewardship beats accumulation. The right coaching helps you give more generously, sleep better, and stop apologizing for the life you chose.— OnTrack Planning, founding principle
I’m Steve McIrvin.
Husband, dad, financial coach.
Three quick things to know about me:
- I built this practice after a long career working for great tech companies in Product Management and Marketing.
- I budgeted well and invested simply for 25+ years to reach the point where my corporate job became optional.
- Now I’ve pivoted to my true calling and am helping clients simplify budgeting, plan retirement, and save for education.
Ready to see if we’re a fit?
No pitch. No pressure. Thirty minutes to find out whether full-stack coaching will actually move your finances forward.