Young Families
Helping young families bring order and confidence to their finances in the middle of real life–raising kids, buying homes, and building toward the future.
Financial Planning
Stewardship
Wealth Management
At 3:23, we work with young families who are juggling a lot... tight budgets, busy schedules, and big decisions.
Most financial advice assumes you have unlimited time, energy, or assets. We know that’s not the reality when you’re in the thick of early parenthood. We meet you where you are with clarity, coaching, and strategy. That might mean building your first budget, planning for a home purchase, or creating an investment plan you actually understand. It might mean untangling student loans, protecting your family with the right insurance, or just having someone to call before making a big financial move.
You don’t have to figure it all out alone. Our role is to walk with you, bringing peace to your financial life so you can focus on what matters most.
What We Offer
Cash Flow Coaching
We help families build simple, sustainable budgets that reflect real life–not theory. From grocery bills to preschool tuition, we bring clarity to your month-to-month finances so you can stop guessing and start planning.
Home and Mortgage Planning
Buying a home is one of the biggest decisions you'll make–and one of the easiest to get wrong. We guide you through the tradeoffs, run the numbers, and help you buy with confidence (not pressure).
Child-Related Expense Planning
From childcare to sports leagues to college savings, we help you anticipate and prepare for the real cost of raising kids–without sacrificing your peace or your values.
Investment Strategy for Busy Parents
You don't need to become a market expert. We'll help you set up smart, low-maintenance investments that align with your goals, risk tolerance, and time constraints.
Estate Planning in Partnership with Trust & Will
Through our partnership with Trust & Will, all of our clients have access to an estate plan included in their subscription.