How it works
1 / Apply
Fill out this brief application form. Give me a sense of your goals and where you need guidance. If we are a match, I'll reach out to book time with you.
2 / Prep
You complete an intake form, and I review your financial picture in advance so we can hit the ground running.
3 / First Session (90 Minutes)
We'll have a 1:1 video call where we get clarity on your biggest goals and flush out your main concerns. We cover maximum territory and make real progress in real time.
4 / Review
You tackle any agreed-upon tasks or decisions between sessions, with a clear list of what needs to happen next.
5 / Second Session (60 Minutes)
We tie up loose ends and work together to finalize your plan.
6 / Roadmap
You leave with a clear plan for going forward. You get a personalized financial roadmap outlining what to do next.
This audit is for you if...
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You're a DIYer who just needs a little help getting everything on track
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You give generously and are considering taking the taking The FI-lanthropy Pledge
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You are familiar with or want to learn more about high-impact giving
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You've taken the Learn to Invest & Build Wealth course. If you haven't, you should have a strong understanding of finance & investing.
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You are located in the U.S. At this time, we typically only work with folks in-country due to our unique investment and tax structures.
If you’re not sure about whether to apply, we recommend that you do!
Not your parents' financial advice
Meet Rebecca, Founder of Yield & Spread
I went from knowing virtually nothing about investing to reaching financial independence at 32. For 7+ years, I've helped hundreds of people figure out their money problems.
I built this audit differently, on purpose. It was the help I always wanted: a second set of eyes for DIY investors who want clarity on their finances and a plan for what their money is for.
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Get unstuck
You stay in the driver’s seat.
This isn’t about handing your finances over to someone else. You’ll leave understanding your options and with a roadmap you can actually manage yourself.
Advice that actually fits you.
I’ll meet you where you are. I’ll slow down and explain the things that are confusing, move quickly through what you already understand, and never lecture you about what you should do.
Your giving goals are part of the plan.
We don’t treat generosity as something to consider after you’ve optimized every last dollar for yourself. Your giving goals belong in the financial plan from the start.
No upsells. Ever.
I don’t sell financial products or manage your investments, so there’s no hidden agenda behind my recommendations.
I don’t pretend to have all the answers.
If there’s a better resource, expert, or tool out there, I’ll point you to it. We’ll draw from the best information available rather than forcing everything through one single philosophy.
What people have to say
Johanna M.
"Rebecca helped me realize that I had been double, even triple-counting expenses in my budget. I have already reached my savings goals and don't need to keep sacrificing 'fun' money to save even more. I can do all this and keep donating."
Wenmar B.
"I was conflicted on how I could pursue financial independence while still donating a meaningful amount to charity. Yield & Spread helped me explore alternative paths to FI that I could pursue. By the time I left the call, I felt more certain about my financial and donating journey."
Constance L.
"I highly recommend Rebecca's personalized coaching sessions! The pre reqs beforehand ensured our time together was focused and productive. Her advice was immediately useful, particularly around hiring trustworthy people to manage your finances. She connected me with top-notch advisors."
Sarah P.
"Rebecca challenged my assumption that ESG investments were the default high-impact option for investing. She opened my eyes to the effect of high expense ratios on my investment growth, and showed me alternative options. As a result, I not only optimized my investments but also freed up resources to support causes close to my heart."
Billy H.
"It's so refreshing to talk finances with someone who understands my goals! Yield & Spread uniquely aligns financial guidance with the drive to make a positive impact, crafting strategies for those of us focused not just on accumulating wealth, but on doing the most good with our resources."
Julia M.
"Thanks to Rebecca, I realized I already had enough saved for retirement to justify taking a new job with greater meaning and impact, even if it meant reducing my salary and investment contributions for a period of time."