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This is what abundance feels like.

Money Holistics

One advisor who understands the whole picture of what you've built, and carries the weight of it with you.

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Your financial life is a holistic system.

The investing, the taxes, the estate, the years ahead. They were never six separate problems. Pull on one and the others move. We look after all of it at once, as one living system, so nothing gets solved at the expense of something else.

  • Financial planning
  • Retirement
  • Estate planning
  • Tax planning
  • Money mindset
01 / Who it's for

You're done researching, done second-guessing, and done managing it in the margins of everything else you do. You want one person who knows your entire picture and handles it. Not a call center, not a rotating team, not a robo-questionnaire.

From scattered bills to a clear view of your money

Not a course. A complete transformation.

One-on-one private calls with Joshua Humada, plus a direct line in between. One advisor who knows your whole picture, builds it with you, revisits it, and guides you throughout your life.

A money operating system that runs itself.

Your entire financial life in one view. Every dollar given a job toward the goals you have, making sure you are heading in the right direction and always know how you are doing.

A visual reminder to keep more of what you earn

A system that catches what slips

We find the leaks, the forgotten subscriptions, the fees, and the bills that crept up, and fix what is quietly dragging your progress down.

02 / What you set down

What you set down.

Working together isn't about adding one more thing to your week. It's about the things that stop being yours to carry.

  • The researching

    The evenings spent reading about investments, retirement, allocations, conversions and claiming ages, trying to be your own analyst on top of everything else you do.

  • The second-guessing

    The nagging loop that runs after every financial decision. You'll know why each choice was made, and what action is needed from here forward backed by evidence.

  • The administration

    The investment rebalancing, the paperwork, the beneficiary forms, the follow-up with your CPA and attorney. It happens in the background.

03 / Every chapter

Every chapter, accounted for.

The work isn't a single plan handed over once. It's an unfolding story that gets adjusted as your life does.

01

Financial planning

A plan that starts with the life you want, then organizes your money around it. Your whole picture in one clear view, kept current as your goals and priorities evolve.

An open notebook and a cup of tea in morning light

02

Retirement planning

Underneath every retirement question sits one quiet question: is it enough? We answer it plainly, and keep answering it as the years and the numbers move.

Two chairs on a porch facing a quiet valley

03

Equity compensation

Your equity holds years of hard work and decisions that rarely arrive with clear instructions: when to exercise, what to hold, and how the taxes land. We stay ahead of each one together.

Balanced river stones on a cream surface

04

Estate coordination

What you've built should land where you intend. We keep your documents, beneficiaries, and titling in step with your plan, and tend them quietly as life moves. Legal documents are prepared by your attorney.

A mature oak with deep roots

05

Tax planning and analysis

Not a once-a-year scramble in April. Account location, withdrawal sequencing, and conversions run as a continuous thread through your plan so you keep more of what you earn. Your CPA files the returns.

A stone channel carrying water through green terraces
04 / How we work together

First, we get your money organized.

The first six weeks are a foundation, not another plan you have to manage alone. We bring your accounts and obligations into one clear picture, decide what needs attention, and set up the routines and automations that make the plan easier to keep.

The first six weeks. Then a relationship that keeps going.

Week 1

Your Money Roots

We start with who you are, your money story, and what you actually want to build toward. Before touching numbers, we get crystal clear on your vision.

Your Money Roots: a mint and gold line illustration

Week 2

The Snapshot

We bring your entire financial life into one view: every account, debt, asset, income, and obligation. You finally get a real scoreboard.

The Snapshot: a mint and gold line illustration

Week 3

Your Money Vitals

We look at your Freedom Score and Flow Scores together. You walk away knowing your financial health the way a doctor knows your vitals.

Your Money Vitals: a mint and gold line illustration

Week 4

The Money Sweep

We go looking for leaks: forgotten subscriptions, crept-up bills, and unnecessary fees. We clean up what is dragging on your month.

The Money Sweep: a mint and gold line illustration

Week 5

Your Cash Flow Plan

We set up the automated money buckets. Incoming dollars get a clear job the moment they land, so you stop rethinking every decision.

Your Cash Flow Plan: a mint and gold line illustration

Week 6

Integration and Roadmap

We lock in the system we built, review your progress, and lay out your long-term wealth roadmap in a written action plan you keep.

Integration and Roadmap: a mint and gold line illustration

Beyond

Ongoing Money Checkups

The foundation is set, and now the real journey begins. Monthly one-on-one checkups, proactive portfolio rebalancing, tax coordination, and a direct line to Josh whenever life brings a new financial decision.

Ongoing Money Checkups: a mint and gold line illustration
/ What's included

What's included

  • Fully delegated investment management

    I build it, I manage it, I rebalance it. The fee is 0.50% of the assets I manage, billed by the advisory firm.

  • The One-Picture Setup

    Every account, debt, asset, dollar in and dollar out, brought into one place you can actually read. Includes the plain English walkthrough of read only bank access and exactly what it does and does not expose.

  • The Moment-It-Hits Money System

    What happens to a dollar the second it lands: pay yourself, set aside, save, spend, as percentages that flex with income that changes. A fixed budget breaks in month two. This does not.

  • The Money Leaks Sweep

    Recurring bills found, subscriptions audited, fees and creeped-up charges surfaced, then a weekly sweep queue you keep using.

  • The Money Vitals Check

    Your Freedom Score and Flow Scores read together, so you can see the health of the whole picture and make decisions from it.

  • A comprehensive investment checkup

    A review of everything you hold, including the accounts I do not manage.

  • Continuous planning

    Not an annual review. An ongoing relationship where the plan reflects your life as it changes.

  • Retirement and Social Security planning

    What you will need, what you have, what closes the gap, when to claim, and a game plan to recreate your paycheck when you are ready.

  • Tax planning and analysis

    Account location, withdrawal sequencing, conversions, and how your investment decisions land on your return. Preparation stays with your CPA.

  • Estate coordination

    Keeping your documents, beneficiaries, and titling consistent with the plan. Legal documents are prepared by your attorney.

  • The Learning Menu

    General financial education, in order: what to learn, when, and the exact questions to ask your CPA or your attorney.

  • Monthly one-on-one Money Checkups

    Your choice of cadence: a monthly one-on-one of up to 90 minutes, or a 20-minute call every week. Whatever fits how you actually operate.

  • The Weekly Money Checkup Practice

    A fifteen minute rhythm you run on your own between calls, so nothing piles up before the next conversation.

  • Ongoing access to your advisor

    Between calls, reach me by telephone and email as reasonably needed. No ticket queue, no associate, no waiting for the next scheduled review.

  • Your accounts held at an independent custodian

    Accounts are custodied at Altruist, not by us. You keep your own login and see everything directly.

  • MoneyYogi AI included

    The software the work is built in, at no additional cost, so the picture we organize stays organized.

No tax preparation, bookkeeping, or legal drafting. Those stay with your CPA and your attorney.

/ More of what matters

And then there's these.

  • The Second Seat

    Your spouse or partner can join any call and has their own seat in the app at no extra cost. Money does not have to be something one person handles alone.

  • The Open Line

    Reach your advisor between checkups by phone or email as reasonably needed, instead of waiting for the next scheduled conversation.

  • The Estate Plan

    We review how your estate documents, beneficiaries, and account ownership fit together, and coordinate with your attorney when needed. Legal documents are prepared by your attorney, not by Money Holistics.

  • The Short List

    When you need a specialist, we help identify the right questions and connect you with appropriate tax, legal, or other professionals.

  • MoneyYogi AI included

    Your MoneyYogi software is included at no additional cost, so the picture we build together stays close at hand.

05 / Your guide
Joshua Humada, founder of MoneyYogi

Your guide.

One guide for you and your family, partnering with you through the whole of your life. No team of associates, no call center, no rotating advisor.

Money Holistics is the advisory practice of Joshua Humada. Clients get the MoneyYogi app included.

Advisor
Joshua Humada
Houston, Texas
Custodian
Altruist
Your accounts are held by an independent custodian, not by us.
Read his full story
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See what becomes possible.

  1. Step 1

    The free Money Checkup

    We talk for 30 minutes. You tell me what is going on, no pressure.

  2. Step 2

    Pick your fit

    We look at the options together and see what actually makes sense for you.

  3. Step 3

    Get started

    We set up your space, invite your partner, and get straight to work.

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Investment advisory services are offered through Boundless Wealth LLC d/b/a Money Holistics. Boundless Wealth LLC is affiliated with MoneyYogi LLC, which provides financial software and educational programs, through common ownership. Advisory fees are $299 per month plus 0.50% of assets under management annually, subject to a $250,000 account minimum; fees are negotiable. Josh Humada is separately licensed as an insurance agent and may receive commissions on insurance and annuity products; this conflict of interest is described in Form ADV Part 2A. A complete description of our services, fees, conflicts of interest and business practices is available in our Form ADV Part 2A, which is provided to all prospective clients and available on request. Participation in any MoneyYogi LLC program or subscription is not required to become or remain an advisory client of Boundless Wealth LLC, and advisory clients are not required to purchase any MoneyYogi LLC product. Investing involves risk, including possible loss of principal. No strategy assures success or protects against loss. Past performance is not indicative of future results. Advisory fees are billed by Boundless Wealth LLC under a separate advisory agreement, and are never billed or processed through the MoneyYogi application. Nothing on this page is an offer or solicitation in any jurisdiction where we are not authorized to do business.

Full regulatory information, including Form ADV, risk disclosures, the advisor privacy notice, and website terms of use, is on the advisor disclosures page.

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