Most families leave thousands of dollars in credit card rewards on the table every year. We build you a personalized card-and-points strategy that turns your regular spending into flights, hotels, and memories.
Households routinely spend $50,000–$150,000+ per year on cards. Optimized, that spending can fund business-class flights and five-star stays. Unoptimized, it earns pennies.
A card that was right five years ago may be costing you today. Category bonuses, annual fees, and transfer partners change constantly.
Cashing points out through a bank portal often values them at 1 cent each. Transferred to the right airline partner, the same points can be worth 3–5x more.
Lounge access, travel credits, free hotel nights, purchase protections — benefits you already pay for through annual fees and never use.
We map where your money actually goes — household, business, travel — and grade your current cards against it.
A personalized card strategy for you (and your business, if you have one): which cards, in what order, and how to hit welcome bonuses responsibly.
Point-maximizing rules for daily spending, plus redemption strategies — transfer partners, sweet spots, and when to book cash vs. points.
Always built responsibly: we never recommend carrying a balance or spending more to chase points. The strategy only works on money you were spending anyway.
A family redeeming $8,000–$15,000 a year in travel from points is real money — tax-free value created from spending that was happening anyway. It's one more way we make every dollar in your financial life work harder.
Done correctly, usually not — and often the opposite over time, as your available credit grows and utilization drops. We sequence applications carefully, especially if a mortgage or major loan is on your horizon.
No. Even a household spending $4,000–$5,000/month on cards can generate meaningful annual travel with the right setup. Business owners with large expense flows see the most dramatic results.
Absolutely — helping clients redeem well is often where we add the most immediate value. Before you cash out points through a bank portal, talk to us.
Both. Rewards strategy is built into our Personal CFO relationships, and it's also a natural first conversation if you want to experience how we work.
Tell us how you spend, and we'll show you what your points could be doing. It's the most fun conversation in personal finance.
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