What Is Holistic Financial Planning? Here's the Real Answer
Most people think financial planning is about investments, retirement accounts, or saving a few extra bucks by the end of the month. But if that’s all you're doing, you’re leaving 70% of the game on the bench.
Holistic financial planning—real financial planning—looks at everything. Your mindset, your money habits, your relationships, your past, your future… all of it. Because if you’re only solving one part of the puzzle, you’re never going to see the full picture.
You ever try making a steak with just salt and no fire? Exactly.
So let’s dig in. You and me. I’ll break it down plain and real—no Wall Street suits, no BS.
Holistic Financial Planning Means All of It
Picture this: Your finances aren’t separate pieces—they’re a living system. Everything connects. Your income affects your taxes. Your debt changes your investment strategy. Your values influence your legacy planning. Your trauma can even block you from building wealth.
So why the hell would you hire someone who only looks at your 401(k)?
Holistic planning means:
We look at your goals before we talk products.
We talk about your mindset before we touch a calculator.
We dig into your family dynamics before we plan your estate.
If your financial planner doesn’t know your story, they’re just guessing.
The 7 Pillars of Holistic Planning
This isn’t just theory. I’m giving you the checklist. Here’s what you should be covering if you want your money to work with your life—not against it.
Cash Flow & Budgeting
Not some cookie-cutter budget. A real cash flow strategy that reflects how you live.
Debt Management
Not just “pay it off.” Smart, strategic, interest-killing decisions based on goals.
Risk Management
Insurance, asset protection, emergency planning. You don’t plan for if something happens. You plan for when.
Investment Strategy
Are your dollars aligned with your goals? Or are they chasing hype?
Tax Strategy
You’re either planning your taxes or funding the IRS’s vacation home.
Retirement Planning
Freedom planning. Because this isn’t about stopping work—it’s about choosing work.
Legacy & Estate Planning
What story does your money tell after you’re gone?
Mindset > Math
Listen, I can teach a fifth grader how compound interest works. But if your relationship with money is built on shame, scarcity, or survival… that calculator won’t save you.
You’ve got to get honest about how you think and feel about money. That’s where the breakthroughs happen.
I’ve sat across from people who’ve doubled their income just by shifting their beliefs. I’ve also seen millionaires self-sabotage because they never healed their financial trauma.
Holistic planning ain’t just a spreadsheet—it’s therapy, strategy, and execution all wrapped into one.
Why Traditional Financial Advice Is Failing You
Most financial advisors work in silos:
They sell you a product.
They push you into a model portfolio.
They never ask about your life.
That’s not planning. That’s financial fast food.
Holistic planners act like financial quarterbacks. We’re looking at the full field. We’re coordinating your CPA, your attorney, your insurance guy, and making sure everyone’s playing the same damn game.
How to Know If You Need Holistic Financial Planning
Let’s do a gut check. If you say “yes” to even one of these, it’s time:
You feel like you make good money but don’t know where it’s going.
You’re overwhelmed trying to juggle debt, investing, and taxes.
Your finances feel “disconnected.”
You’ve had a major life change (marriage, divorce, business sale, baby, etc.).
You want peace of mind, not just more money.
Okay, So What’s Next?
Here’s the truth—if you’re ready to stop winging it with your wealth and actually get your whole life in sync, then you don’t need another financial app. You need someone who sees all of you.
You need a plan that feels like you and works for you.
And if you’ve made it this far, you already know you’re not looking for basic advice. You want a guide.
Book Your Black Mammoth Power Hour
If you’re tired of one-size-fits-all financial advice and ready for something real, the Black Mammoth Power Hour is your move. This is 60 minutes of no-BS, straight-to-the-heart strategy focused entirely on you.
We’re not talking theory. We’re talking action—right now. You bring your questions, your challenges, your goals. We bring clarity, confidence, and a custom game plan to get you moving.
This isn’t a sales pitch. It’s a power session.
You’ll walk away with:
Clear next steps tailored to your financial situation
A fresh perspective on what’s holding you back
Tactical insight you can implement immediately
Whether you're navigating a major life change or just tired of piecing things together alone, this hour can change the trajectory of your financial life.