The cash-flow strategy you've been meaning to build.
Where is your family's money actually going — and what are the three moves worth focusing on this year?
No product pitch · No sales pressure · No obligation
Try it now
How much of your paycheck could be moving to tax-advantaged accounts?
Most high-earning Eastside families are leaving $10–30K/year in untapped shelter. Move the sliders to see yours.
2026 limit: $23,000
2026 family limit: $8,550
Subject to plan support + total 415(c) limit
Your tax drag
About $6,117/mo of your paycheck is going to taxes.
Untapped shelter at your marginal rate (24%)
- HSA: $8,550 unused → approx $2,706/yr saved (pre-tax + pre-FICA).
- Mega backdoor Roth: $46,000 of future tax-advantaged growth headroom (subject to qualified-distribution rules).
If you captured every lever above, total annual savings would be ~$2,706 — meaningful paycheck-level dollars.
Estimates only, based on 2026 projected federal brackets and the Washington state tax environment. Not tax advice. Your actual taxes depend on deductions, credits, state of residence, and filing status. For personalized analysis, talk to Rumesh and your CPA.
Before & After
What changes after six months.
Anonymized snapshots of families Rumesh has worked with. Different situations, same underlying shift: from reactive to structured.
Scenario 1
Two-income tech family, $420K combined, two kids
- Variable-income smoothing
- HSA + mega backdoor Roth
- Monthly cash-flow dashboard
Before
Earning well but feeling stretched. Variable bonus and RSU vests made monthly cash flow unpredictable. No clear picture of where the money was going.
After
Mapped a steady 'synthetic paycheck' from lumpy income. Redirected what used to disappear into the variable spend bucket into max'd HSA, mega backdoor Roth, and a 529 for each child.
Scenario 2
Business-owner family, $300K distributions, irregular timing
- Quarterly tax reserve
- Owner draw smoothing
- SEP-IRA vs. Solo 401(k) analysis
Before
Owner compensation arrived in lumpy quarterly draws. Personal savings rate swung between 0% and 40% month-to-month. Quarterly estimated taxes kept catching them off guard.
After
Built a quarterly-tax-first cash-flow system. Separated operating cash from personal savings. Automated tax reserves, retirement, and family spending in that order.
Scenario 3
Pre-retiree couple, 58/60, pension + Boeing 401(k)
- Healthcare bridge planning
- Roth conversion runway
- Social Security timing
Before
Within five years of retirement but unsure how pension, Social Security, HSA, and 401(k) withdrawals would actually fit together month-to-month.
After
Income map showed a clear monthly picture from age 62 through 75, with a healthcare bridge from 62–65 and Roth conversion runway before RMDs.
Illustrative composite scenarios based on typical engagements. Not representative of any specific client or outcome. Individual results will vary based on your financial situation, the strategies implemented, and market conditions. No specific advice is being given.
Retirement cash flow
Are you on track — or closer than you think?
The Cash Flow Gap Analyzer projects your portfolio at your target retirement age and tells you exactly what it takes to close a shortfall. Honest, not hand-wavy.
Current savings rate
27%
$4,000/mo saved
Projected portfolio at retirement
$3,375,620
17 years from now
Portfolio needed
$3,000,000
4% safe-withdrawal rule
On track — projected monthly retirement income: $11,252.
The next optimization is tax efficiency. Run the Tax Drag Meter below — most on-track families are still leaving $10–30K/yr in untapped shelter.
Projections use a 7% real return and 4% safe withdrawal assumption. Real markets don't compound in a straight line; your actual retirement outcome will differ. Use this as a conversation starter, not a plan. For personalized projections, schedule a meeting with Rumesh.
Lumpy income
Turn base + bonus + RSU into a steady monthly paycheck.
The Variable-Income Smoother converts your lumpy real-world income into a single monthly number you can actually plan against. This is what Rumesh builds with clients in week one.
Your synthetic monthly paycheck
The steady monthly income your household can sustainably spend, with tax reserve and savings happening first.
Without smoothing
Peak months: $64,333
Lean months: $5,833
$58,500 monthly swing. Hard to build stable savings habits against this.
With smoothing
Every month: $15,583
Predictable. Planable.
$133,000 tax reserve + $60,000 savings auto-happen in the background.
Simplified model. Actual tax reserve depends on your bracket, state of residence, AMT, and equity compensation structure. Use the results as a planning starting point, not a withholding instruction.
What working together looks like
A clear sequence from first call to first plan.
No mystery, no meandering discovery. Here is the exact path every new family takes with Rumesh.
Meeting 1
Discovery call
A 30-minute Zoom call to understand your goals, what prompted you to reach out, and what “feeling organized” would look like. You walk away with a clear sense of whether working together makes sense.
Meeting 2
Asset Map review
You complete a secure Asset Map questionnaire beforehand. We walk through the visualization together — household, cash flow, assets, liabilities, insurance gaps, planning opportunities — all on one page.
Onboarding
Your planning environment
A 30-minute kickoff to set up your WealthVision portal, secure document Vault, and account links. You get a personal financial dashboard that stays up-to-date automatically.
Weeks 2–4
Initial planning review
Once your accounts are linked, we meet to deliver initial observations and a prioritized roadmap — cash-flow clarity, tax opportunities, protection gaps, retirement trajectory, education funding, equity comp strategy.
Want to get a head start?
Complete Rumesh's Asset Map questionnaire now. It powers Meeting 2 — and lets him walk into your discovery call already understanding your picture.
Credentials
What qualifies Rumesh to do this work.
The credentials matter less than what they mean for you. Here's the translation.
LPL Financial Advisor
Registered through LPL Financial, an independent broker-dealer. Provides access to LPL's open-architecture investment platform across multiple product providers.
FINRA Series 7 & 66
Licensed to provide securities recommendations and act as an investment advisor representative. These licenses cover both securities recommendations and advisory services.
University of Washington — BA Finance
Formally trained in corporate finance and investment analysis. Local roots in the communities he serves.
Practice Manager, SC Financial
Leads the firm's client experience and technology. Built ClarityCompass™. Every interaction is engineered, not improvised.
Frequently Asked
The questions everyone asks first.
How does Rumesh charge?+
Through LPL Financial, advisory accounts are charged an asset-based fee priced based on the size and complexity of your situation. Brokerage accounts are commission-based. For one-off financial planning, Rumesh also offers an hourly engagement and a flat-fee project option, priced separately. The capacity (advisory vs brokerage) and the exact fees are discussed before any engagement begins.
Do I need $1M to work with Rumesh?+
No. Rumesh works with families at a range of asset levels. The most important qualification is that you want real cash-flow clarity, not just a product sale. If you're early in the journey, the ClarityCompass™ and Paycheck Autopsy are great starting points.
How is Rumesh different from a robo-advisor?+
Robos manage investments. Rumesh manages the financial system around your family — cash flow, tax strategy, insurance, retirement income, business integration. Investments are one output of that system, not the whole thing.
What's the first meeting actually like?+
Thirty minutes. You talk, Rumesh listens. He asks about income, pressure points, and what a win would look like 12 months from now. You leave with at least one cash-flow insight — regardless of whether you work together.
Do you provide tax advice?+
Rumesh coordinates tax strategy — withholding elections, Roth conversions, HSA + mega backdoor Roth, tax-loss harvesting, Roth vs. traditional decisions. For actual tax preparation and filing, he works alongside your CPA (or can refer one).
Do you work with Boeing / Amazon / Microsoft employees?+
Yes — regularly. Eastside tech compensation (RSUs, ESPP, 401(k) with mega backdoor, HSA) is core to his practice. So is Boeing pension decision analysis.
One conversation can clarify priorities.
Thirty minutes. Real talk about where your money is going. You leave with at least one specific move — even if we never work together.
Schedule with RumeshMake confident financial decisions — one monthly read at a time.
Thoughtful insights from Rumesh Senanayake to help you feel more organized, confident, and in control of your financial life. Short. Practical. Never salesy.
- Tax-smart moves for high earners and families
- Retirement income strategy in plain English
- What’s actually worth doing this quarter
SC Financial Group
Clarity Compass
Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. SC Financial Group, LLC is not registered as a broker-dealer or investment advisor.