Services
Values-Aligned Investing
Overview
We support individuals and small businesses with investing their money in a manner that aligns with their values as well as their needs and goals. No amount is too small to invest. We support radical financial dreamers at all stages of their financial life. Our investment approach focuses on aligning money with values, managing risk, improving diversification, and mitigating expenses.
Harm Reduction
While it may be impossible to invest without putting money in companies or industries whose practices you do not fully support, we focus on finding an investment balance that reduces broader social and environmental harm, allows you to invest in values-aligned industries and companies, and supports your financial needs and interests.
Financial Planning and Coaching
Healing Financial Habits
Many of us will experience a moment in our lives where our financial behaviors do not seem to align with our goals or values. For example, we may dream of paying off our debt but find, no matter how much we budget, we cannot change our spending habits. Our approach focuses on the emotions, trauma, and experiences behind your behaviors, such that we can support you in a healing journey that can lead to values-aligned, sustainable financial habits.
Debt Management
When we accumulate debt, we often feel financial shame. We may berate ourselves for having debt and/or experience significant debt-related stress. Our debt management services focus on addressing both the emotional and practical components of debt, such that you can honor the choices you have made to survive while also working towards a steadier financial future.
Financial Shame and Trauma
We live in a financial system that has caused every single person within it harm and trauma. So many of us carry that shame and trauma with us, and these feelings and messages in our body impact our financial behaviors. We use a variety of methodologies from the Trauma of MoneyTM approach that allow you to begin to heal shame and trauma and begin to develop new beliefs and habits.
Creative Retirement Planning
Retirement planning often involves considering the income and expenses of a nuclear family unit, but with rising costs, climate change, and economic turmoil, traditional retirement may not feel feasible or desirable. Further, what if you are polyamorous person or a nontraditional family unit? Our creative “retirement” planning services consider your unique and wonderful situation, dreams, and goals, and from there, we develop a creative, non-traditional plan that can assist you in finding long-t
Goal Planning
From saving for your child’s college education to taking the vacation of your dreams, we can support you in working towards your financial goals. As a Certified College Financial Consultant®, Margaret has specialized knowledge in helping clients navigate the college funding and education loan processes.
Financial Emergencies
Traditional financial planning focuses on building an emergency fund, and while an emergency fund can be incredibly helpful, building up that amount of savings can be cost prohibitive. Our creative emergency funding model focuses on community-oriented techniques and considers how we can move away from individualism in order to better support our own and others’ needs.
Public Benefits Management
From Social Security to Medicaid to Medicare, interacting with, applying for, planning for, and managing public benefits can be complicated and overwhelming. Our coaching services can provide support with completing applications, managing appeals processes, maintaining coverage, maximizing coverage, and more. As a National Social Security Advisor® Certificate holder, Margaret has specialized knowledge in supporting clients as they navigate the Social Security system.
Estate Planning
Our non-traditional estate planning approach focuses on using traditional estate planning tools to ease resource transfer while also taking a community-oriented approach with the eye on community wealth growth and redistribution.
Tax Planning
Managing taxes can feel like an overwhelming and stressful task, especially for self-employed individuals and others with unique tax situations. Root & Web can provide comprehensive tax planning that focuses on mitigating current tax debt, planning for future taxes in a sustainable manner, and creating a financial plan that effectively manages taxes throughout your life.
Other Services
Tax Preparation
Root & Web offers individual, family, and small-business tax preparation services.
Small Business Development
Are you considering founding or are currently growing your small business? Root & Web provides clients with support with registering their business, completing ongoing registration and taxation requirements, managing taxes, managing payroll and bookkeeping, and more. We can help you build and scale your business to align with your long-term vision.