What working with us actually looks like.
A clear, structured path from financial pressure to financial margin, built and running in 12 weeks.
Margin Money helps high-earning households turn active cash flow into a clear system, practical plan, and lasting financial margin. Three things happen, in order.
01
We Analyze
We get the full picture of your money.
02
We Build
We help restructure and automate your accounts
03
We Coach
We keep it running and adjust as life happens.
By the end you have a system designed to meet your needs and keep your finances in order with minimal maintenance
PHASE ONE
First, we find out what's actually happening.
We analyze your last three months of spending using proprietary tools to show how your current financial lifestyle is performing and where opportunities for improvement may exist.
Income, fixed expenses, and variable spending
Debt and minimum payments
Assets and current account structure
Irregular, non-monthly expenses
PHASE TWO
Then, we help you build your cash-flow architecture and put it into action.
Throughout the 12-week program, we work alongside you every step of the way. You will meet with a coach regularly to get answers, work through challenges, and stay on track as you put your new financial system into practice.
Restructure your accounts around how money should actually move
Assign every dollar a job: fixed costs, spending, savings, debt
Build your Bridge Money, starter emergency fund, and debt payoff plan
Automate saving, bill payments, and debt paydown so they happen on their own
PHASE THREE
You’re not doing this alone.
You will meet with a coach every other week throughout the program. You will also receive unlimited email support and can schedule additional calls as needed to get answers, navigate challenges, and keep moving forward.
The system is designed to be up and running within 12 weeks of your intake meeting.
PROGRAM OUTCOMES BY WEEK 12
Full clarity on where your money goes
A working Three-Account System
Accounts restructured and automated
Bridge Money, starter emergency fund, and an active debt payoff plan
A repeatable system for saving, spending, and preparing for the unexpected
Meet your money partners
You do not need more shame around money. You need clear direction, direct feedback, and a system you can actually follow.
Gil Hogan
Founder
Gil helps clients bring discipline, clarity, and accountability to their financial lives. His coaching style is direct, practical, and focused on helping households make real decisions with their money instead of staying stuck in avoidance.
Miguel Almonte
FINANCIAL COACH
Miguel helps clients turn financial goals into clear systems. With a background in benefits, personal finance coaching, and cash-flow strategy, Miguel focuses on helping households organize their money, automate their decisions, and build margin with less stress.
Gil Hogan, Founder
Gil helps clients bring discipline, clarity, and accountability to their financial lives. His coaching style is direct, practical, and focused on helping households make real decisions with their money instead of staying stuck in avoidance.
Miguel Almonte, Financial Coach
Miguel helps clients turn financial goals into clear systems. With a background in benefits, personal finance coaching, and cash-flow strategy, Miguel focuses on helping households organize their money, automate their decisions, and build margin with less stress.
What it's like on the other side.
"We came in needing help with budgeting and debt. Through coaching, we eliminated personal debt, auto loans, and much of our educational debt while learning how to budget monthly and plan for our estate."
Justin & Malini
Ready to see what this looks like with your numbers?
The Margin Strategy Call maps your pay schedule against your obligations, and tells you honestly whether the Installation is the right next step.
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Margin Money values your trust and privacy. We maintain strict confidentiality of all personal and financial information shared through our website or coaching sessions. Information you provide is used solely for educational and coaching purposes and is never sold or shared without your consent.
Margin Money is not a licensed investment adviser, accountant, or attorney. Coaching services are educational and designed to help clients make informed personal financial decisions.