Nampa is its own city, with its own economy. Your financial plan should be built around that, not Boise’s.
Housing costs, wage levels, and the local business landscape here run differently than Boise’s. Koinos plans around Nampa’s numbers, your budget, and the business you’re running here.
A bigger city than people expect, with its own financial picture.
Nampa is Idaho’s third-largest city, and its household incomes tend to run closer to the statewide number than Boise’s do. That matters for planning: a budget or a savings rate that makes sense for a Boise income doesn’t automatically make sense here, and the plan should start from Nampa’s numbers instead of a scaled-down version of Boise’s.
Nampa’s economy also leans small-business and blue-collar, a different base than Boise’s tech-adjacent, white-collar one, and that changes what kinds of financial questions come up most: owner compensation and variable income more often than equity compensation.
The questions that come up here.
Budgeting, emergency fund sequencing, and debt payoff order carry more weight when the numbers are tight. Most financial planning content assumes a reader with room to spare. This page is written for the one tracking every dollar instead.
Separating personal and business finances. Deciding how much to pay yourself versus leave in the business. Choosing between a SEP IRA and a Solo 401(k), which get lumped together but work differently. A SEP IRA is funded entirely by the business, as a set percentage of compensation, and it’s simple to open and run. A Solo 401(k) lets the owner contribute both as employee and as employer, which usually opens more room to save at the same income, but it carries more paperwork once the balance grows. Which one fits depends on how the business is structured and how much you want to put away, not on which name sounds more sophisticated.
Variable income, whether it comes from owning a business or working a job with a seasonal rhythm, changes how a budget, an emergency fund, and a savings plan actually need to work. An annual average is a number that never once shows up in a single month’s bank account. The plan has to follow the real pattern instead, the slow months and the fast ones, and build around what actually lands when it lands.
A lower cost of living means more room per dollar: more to save, more toward debt, more for a cushion. That extra room still has to go somewhere on purpose, or it disappears the same way any spare cash does.
Koinos has no asset minimum. No dollar figure to clear before I’ll take the meeting. If you’ve assumed you don’t have enough to work with an advisor, that assumption was never true here, and a thirty-minute call settles it either way.
The first call is thirty minutes and costs nothing.
Tell me what’s in front of you. If the fit is good, a written proposal follows. If it isn’t, I’ll tell you, and point you somewhere better.
A person to walk with you, year after year.
Have questions first? Read the FAQ →