Pre-Session Synthesis — Into JoyFlow

Pre-Session Synthesis.

Advisor working document — your point of view walking into Meeting 1.

How to use this template. Fill it out progressively as each data source arrives — don't wait until everything is in. The synthesis section at the bottom should be completed last, after all five sources are reviewed. The cross-source prompts are designed to push your thinking across data sources — engage with them honestly. The goal is to walk into Meeting 1 with a point of view, not just a collection of observations.
1

Monarch Money — Spending Data

Available from week 1 · Review fully 1 week before Meeting 1
Top Spending Categories

Where is the majority of her money actually going? List the top 4–5 categories by spend volume.

Patterns & Anomalies

What stands out as surprising, inconsistent, or emotionally telling? Look for spikes, recurring charges she may not be aware of, and timing patterns (e.g. weekend spending, end-of-month behavior).

Signals Worth Exploring

What does the spending data suggest about her emotional relationship with money — even before she's said a word about it?

2

Vision Board

Due within week 1 · Review upon receipt
Title

What did she name her board? What does the title reveal about her frame of mind or deepest aspiration?

Dominant Themes

What images, colors, or ideas appear most frequently? What is the emotional tone — abundant or striving? Relational or independent? Present-focused or future-focused?

Absences & Surprises

What is missing that you might have expected? What surprised you? Absences are often as revealing as what's present.

Cross-Source — Monarch Money × Vision Board
  • Does her actual spending support the life she pictured on her vision board — or is there a gap between what she says she wants and what she's funding?
  • If her board shows freedom and travel, is she actually saving toward that — or spending in ways that make it less possible?
  • What is the single biggest disconnect you see between how her money flows today and the life she painted?
3

Values Sort & Reflection Questions

Due within week 1 · Review upon receipt
Top 4 Values (in order)
Bottom 4 Values (in order)
What Surprised You in Her Selections

Were any top or bottom values unexpected given what she shared in the discovery call? What might explain them?

Key Themes from Reflection Questions

What did she reveal in her written responses that went beyond the sort itself? Note any language that felt particularly honest, raw, or important.

Cross-Source — Vision Board × Values Sort
  • Do her top values show up in the imagery she chose — or is there a mismatch between what she says matters and what she was drawn to visually?
  • Do her bottom values appear anywhere on the board? If so, what does that tell you?
  • In her reflection, did she connect her values to her vision honestly — or did her response feel surface-level? What might be underneath?
4

Money Habitudes Assessment

Due 1 week before Meeting 1 · Review upon receipt
Dominant Habitude
Secondary Habitude(s)
Tensions or Combinations to Watch

Refer to the Money Habitudes Reference Guide for common tension pairs. Which apply here — and what do they predict about her current financial behavior?

Cross-Source — Money Habitudes × Monarch Money
  • Is her dominant Habitude visible in her actual spending data — or is she presenting differently than she behaves?
  • Where does the spending data confirm what the Habitudes predicted? Where does it contradict it?
  • If there's a gap between her stated Habitude and her actual spending, what might explain it — denial, blind spot, or a specific life circumstance?
Cross-Source — Money Habitudes × Values Sort
  • Does her dominant Habitude support or undermine her top values — or create direct conflict with them?
  • Is there a value she ranked highly that her Habitude actively works against? That tension is often the most important conversation in Meeting 1.
  • What does her bottom 4 tell you about the Habitudes she may be unconsciously rejecting — and does that match her assessment results?
5

Financial Snapshot

Due 1 week before Meeting 1 · Review immediately upon receipt
Income & Benefits Summary
Debt Picture

Note total debt load, highest interest rate obligations, and monthly payment burden relative to income. Flag any debt that should be prioritized in the bucket design.

Savings & Emergency Fund Gap

How many months of expenses does her current savings cover? Flag if she is below the 3-month threshold — this directly affects the SafeFlow bucket design.

Open Question — What She Volunteered

What did she share in the open field that she wasn't directly asked? This is often the most important thing in the form.

Cross-Source — Financial Snapshot × All Sources
  • Does her income level explain her spending patterns in Monarch Money — or is there a lifestyle inflation problem that the numbers reveal?
  • Given her top values and vision board, is her current savings and debt picture moving her toward or away from the life she described?
  • Does her Habitude explain why her savings gap exists — or is there something situational driving it?
  • What did she volunteer in the open field that none of the other data sources captured — and does it change your interpretation of anything?
Bring It Together
Complete Last

Your Synthesis.

After all five sources are reviewed. This is your point of view walking into Meeting 1.

Where the Data Aligns, Conflicts, or Reveals a Gap

Use the table below to map the key themes across data sources. Mark each as Aligns Tension or Gap and note what it means.

Theme Status What It Means for Meeting 1
The Central Tension

If there is one theme that cuts across multiple data sources — one thing that keeps showing up in different forms — what is it? This is likely the most important conversation in Meeting 1.

Your 5 Prepared Questions for Meeting 1

These should emerge from the synthesis above — not from a generic script. Each question should be tied to a specific observation or tension you identified across the data sources.

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Walking In

Your Intent for Meeting 1

Confidential — for internal advisor use only.