Who Should Be on Your Financial Team and When to Call Them In

Building wealth isn’t a solo sport.

Just like you wouldn’t build a house without an architect, contractor, and electrician all working together, you shouldn’t build your financial future without the right team behind you. Because money touches every part of your life. And as your life evolves (starting a business, buying a home, growing a family), your financial needs get more layered.

You need people in your corner who can help you not just avoid mistakes, but move forward with confidence.

Here’s who belongs on your financial team—and when to bring them in.

💰 Financial Coach

Your strategy partner and mindset guide.

• Helps you unpack money beliefs and identify actionable goals.
• Supports with budgeting, debt repayment, and building savings.
• Ideal first hire if you’re overwhelmed, inconsistent, or unsure where to start.
• Brings accountability and clarity so the rest of your financial team can actually be effective.

When to add:
When you’re ready to stop winging it, get out of survival mode, and take control of your finances in a way that actually works.

📊 Accountant or CPA

Your tax expert.

• Prepares your tax returns and helps reduce your tax liability.
• Advises on deductions, estimated payments, and compliance.
• Often supports small business owners with bookkeeping or strategic decisions.

When to add:
If you're self-employed, have multiple income streams, or want continued tax support from a professional who speaks fluent IRS.

📈 Financial Planner

Your long-term wealth architect.

• Builds a strategy for retirement, investments, education planning, and more.
• Helps you grow your money intentionally based on your goals and values.
• Should be a fiduciary—someone who legally puts your best interest first.

When to add:
When you’re earning consistently, want to grow your wealth, and need a roadmap that extends beyond just the next year.

📜 Estate Planner or Attorney

Your legacy builder and risk reducer.

• Drafts wills, trusts, and powers of attorney.
• Protects your assets and ensures they’re distributed according to your wishes.
• Helps reduce taxes and avoid confusion for your loved ones.

When to add:
If you have kids, own property, or run a business—this is essential. It's not just for the ultra-wealthy.

🔍 Bonus Players: Who You Might Need—And When

You won’t need all of these folks forever (or at the same time), but they can be clutch in certain seasons of life or business. Think of this crew as situational specialists, not permanent team members.

🛡 Insurance Agent

Helps you secure the right coverage—life, disability, liability, renters, home, business. If you’ve got dependents, a growing net worth, or major assets, it’s time to make sure you’re covered.

🧾 Bookkeeper

Tracks your income and expenses, reconciles statements, and keeps your records clean for tax time. Perfect if your finances (or business) feel messy and you want to get out of spreadsheet chaos.

🏠 Real Estate Agent

Your go-to when you're ready to buy or sell. They’ll guide you through listings, negotiations, and can refer you to other trusted pros like inspectors and attorneys. Only call them when you're truly ready—not just browsing Zillow on a Sunday.

💰 Mortgage Lender or Broker

Helps you get pre-approved and understand what you can actually afford. Reach out if buying a home is on your radar in the next 6–12 months—don’t wait until you're ready to make an offer.

You don’t need a full roster of experts on speed dial. Start with the support that gives you peace of mind and momentum—then add others as your financial life expands.

Not sure where to begin or who you actually need right now? That’s exactly what we do. Let's talk.