Kristin Chayer, Wealth and Legacy Consultant

04/27/2026

Do you have a legacy plan for your family? A will, trust, passwords saved, a list of where all the bodies are buried? Kidding on the last one, but you know what I'm saying. Do you have everything written down and planned out, if something were to happen before you are ready? I have access to an amazing tool called, Life Plan. It's a free resource to help you plan all of those important things that are no fun at all, but are incredibly important.

Drop you email below or DM it to me and I'll send you a free life plan to help you get everything on paper.

04/18/2026

Hiring isn’t just hard—it’s one of the biggest growth barriers for small businesses today.

Owners are competing with larger companies on wages, benefits, and flexibility.

What’s working:
• Building talent pipelines: https://www.apprenticeship.gov
• Posting smarter with Indeed: https://www.indeed.com
• Retention strategies via Payroll Vault: https://www.payrollvault.com/hr-blog-resources/3-payroll-habits-that-build-employee-loyalty-1771274890903.html

The businesses that adapt their hiring strategy are the ones staying ahead. If you're looking for ways to provide more value to your employees without increasing your cost, let's connect to look at some options and problem solve together.

Discover how consistent payroll accuracy, communication, and transparency strengthen trust and employee retention for small businesses.

04/17/2026

As a small business owner, I know the realities of inflation on all sides. All small business owners are feeling the pressure of rising costs right now.

From inventory to rent to payroll—everything is more expensive, and margins are getting squeezed.

What helps?
• Tight cost tracking
• Smarter pricing strategies
• Free mentoring from SCORE: https://www.score.org
• Budgeting tools from the SBA: https://www.sba.gov

If you’re a business owner, don’t try to solve this alone—there are real resources out there.

We support America's small businesses. The SBA connects entrepreneurs with lenders and funding to help them plan, start and grow their business.

04/16/2026

U P D A T E

I recently made a shift in my practice, and I wanted to share what that looks like moving forward.

While I still support individuals with financial planning, I am placing a stronger focus on helping small businesses build competitive, cost efficient benefits packages and provide financial education to their teams. In many cases, these solutions can be available to businesses with as few as 2 employees!

One of the biggest reasons behind this shift is impact. From the beginning, my goal has been to make financial guidance feel accessible, practical, and relevant to real life. I want people to feel more confident in their decisions, better prepared for the future, and supported along the way.

This new focus allows me to do that on a larger scale, supporting not just individuals, but entire teams and families through the workplace.

I also offer a supplemental benefit option that can enhance an employer’s package, often at no direct cost to the business, while still providing meaningful value to employees that may stay with them long term. This can help employers create a more competitive and well rounded benefits offering.

If you are a business owner, or know someone who is, or want this at the company you work, I am happy to run quotes and build out packages at no cost.

04/07/2026

Money doesn’t have to come between you. It can bring you closer.

For many couples, talking about finances is tough. Different goals, priorities, and perspectives can make it hard to feel like you’re on the same page.

That’s where a financial plan helps. It gives you a way to talk openly, make decisions together, and feel more confident about the future you’re building.

To see how planning today, not “someday,” can make your goals clearer and your relationship stronger, watch this video, Plan Together, Grow Together.
https://bcove.video/4psC3Bd

02/17/2026

Happy Lunar New Year! May the year of the horse bring you opportunities for personal growth, new wisdom, and good fortune.

02/16/2026

Today is a moment to reflect on leadership, responsibility, and service — values that matter in every community and every generation.
Happy Presidents’ Day!

02/12/2026

The Great Wealth Transfer often arrives as a house, not cash, leaving many heirs with maintenance, mismatch, and downsizing costs before inheritance, which can become overwhelming.

The Great Wealth Transfer often arrives as a house, not cash, leaving many heirs with maintenance, mismatch, and downsizing costs before inheritance becomes wealth.

02/11/2026

If the thought of tax season coming and possibly undergoing an IRS audit fills you with anxiety, you’re not alone. The fact is that audit anxiety is real. Here’s how you can help lessen the stress.

Tax audit anxiety can feel like a wild beast. Here’s how you can help tame it.

02/10/2026

Millennials are shifting toward new paths in business ownership, exploring opportunities that offer independence and leadership. Learn more about this trend.

Buying an existing business and stepping into its leadership has become a popular way to get a foot in the door to ownership.