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EVERYONE Deserves A SAFE PLACE TO TALK ABOUT Money

Discussing how you wish to treat your money strengthens trust between partners.

Are you living in reactive mode?

You are not alone

Life is busy. Talking about money is hard. What once was an efficient division of duties has become more like a personal finance version of whack-a-mole.

There is a better way.

How I see it

Integrity

I believe integrity is more important than perfection. Integrity is doing what you say you’ll do, when you say you’ll do it, or communicating any change in that plan at the earliest moment you’re aware of it. I aim to always conduct my work with integrity first and foremost.

Safety
I believe all people are making choices for reasons that make sense to them, whether we agree or not. It is important to me that my business is a safe place where clients feel encouraged and supported. I have basic training in financial therapy skills and am dedicated to providing my services in a trauma-informed framework.
Boundaries

Clear expectations and boundaries make room for fun. Healthy boundaries are important in couple’s finances and in client relationships. I cap my fee to be sure I am not incentivized to unnecessarily stretch my boundaries in the name of client service. This also enables you to be a confident steward of your own financial plan.

RElationships

I prioritize relational health and transparency. I include both partners in my communications. I strive to make the work of transparency between partners easier, often via technology. I also refer clients for therapy if I notice a repetitive relational dynamic that can’t be helped by spreadsheets.

My Story

When my dad died his life insurance policy was supposed to name my sister and me as the beneficiaries according to his divorce agreement with my mom. It turned out he had changed the beneficiary to his new wife. I was a teenager, and this was my first time learning that there’s no authority out there making sure people stick to their legal agreements. It seemed bizarre to me that the only mechanism to enforce an agreement is to go through the legal system after an agreement is broken. Surely lots of people don’t even mean to break their agreements, right?

When my husband and I got married we first signed a prenuptial agreement. By that point I’d already learned that it was up to us to make sure we upheld the terms of our own agreement. We didn’t have an authority figure reminding us how to title our accounts and property, paying attention to where we deposited paychecks, or making sure we maintain life insurance, as we’d agreed to do. But I started thinking: wouldn’t it be nice if we did?

Financial advisors are in a unique position to help families proactively keep family law out of their family’s choices.

Whether it’s for a divorce or a marriage, couples don’t enter into marital agreements lightly. This is why I care about helping couples uphold the agreements they’ve made all the while helping them plan confidently for their future together.

credentials

New York University, Certificate in Financial Planning, 2019
The University of Kansas, Master of Arts, East Asian Studies,2014
The University of Kansas, Bachelor of Arts, East Asian Studies,2012
The University of Kansas, Bachelor of Arts, French Language and Literature, 2011
Columbia University in the City of New York, Summer Program at Minzu University of China, Chinese Studies, 2011
University of Strasbourg, Summer Program, French Studies, 2008

CERTIFIED FINANCIAL PLANNER™, 2019
Series 66, FINRA, 2014
Series 7, FINRA, 2014

Kaylin Dillon Financial Planning, Founder and Principal Financial Advisor, Since 2021
Bowersock Capital Partners, Founding Partner, July 2020 – March 2021
Morgan Stanley, Portfolio Manager, Financial Advisor, April 2014 – July 2020
Morgan Stanley, Client Service Associate, May 2012 – April 2014

Case study

Clients with Marital Agreements

Lauren and Matthew came to me after their daughter was born. They wanted to start planning more intentionally for their family’s future but they felt unorganized and didn’t know where to begin. Matthew had stock compensation from his company he wanted help reviewing. They also had a prenuptial agreement that they hadn’t revisited since getting married.

I first helped them get organized. The financial snapshot we created helped them visualize their assets – including Matthew’s company equity and Lauren’s shares of her family business – in one place. We reviewed the terms and the original goals of their prenuptial agreement to make sure their current account titling and division of expenses fit with their intentions.

From there, I helped them determine a tax-efficient strategy for exercising a portion of Matthew’s stock options on a set schedule. Matthew was relieved this took the guess work out of managing his stock compensation plan and that it gave him an idea what the tax implications would be. In addition to helping reduce Matthew’s concentration in his company stock, this created more cushion in their monthly cash flow so they could start a college savings fund for their daughter and increase their savings towards their future as well.

set a great foundation

Establishing financial transparency early in a relationship will help set a great foundation for the inevitable money conversations to come.