What you're probably wondering.

Everything in your memo is built from your responses — specific to your decision, your constraints, your options, and your risk tolerance, not a template filled in with your name. The Situation Summary section of every memo proves this: it restates how I understood your specific situation before offering a single observation. If it doesn't reflect your reality accurately, the rest of the memo doesn't hold.

When the people who care about you give you advice, it's filtered through how they feel about you, what they want for you, and their own experience. The analysis removes all of that. It takes what you know about your situation and evaluates it independently, through a consistent framework, without the noise. You get a perspective on your situation that you genuinely can't give yourself — and that no one else can give you either.

No. Coaching and therapy are about growth over time — improving yourself, working through the past, building toward a future. Here Now Advisory is about right now. You have a decision in front of you today. The analysis is grounded in your current situation, your current constraints, your current reality — scored through a proprietary framework at the moment you submitted your assessment. Nothing about what comes before, nothing about who you want to become. Just a clear view of where you actually are, so you can move.

You don't need to have decided anything. The assessment is designed for people who are in the middle of it — still weighing, still uncertain, still running the scenarios. That's exactly the state the framework is built for. You'll finish with more clarity than you started with.

That's a legitimate outcome. The recommendation is grounded in the data you provided and evaluated through a consistent framework — but the framework can only work with what you gave it. The memo includes a confidence note and an honest account of what the analysis can and can't tell you — so you always know what you're working with.

Often, yes. The 20% of doubt you're carrying is the part that will keep surfacing after you've made the move. The memo either confirms that your instinct holds up under scrutiny — which makes moving forward easier — or it surfaces what that doubt is actually pointing at, which is worth knowing before you commit.

If you complete the assessment honestly and in full, the memo will give you a clear, specific view of your situation. What I can promise is that the analysis will be honest, specific, and grounded in what you actually shared — not what you hoped to find.

Yes — completely. Everything you share stays between us. Your assessment responses, your memo, anything discussed in a session — none of it is shared with anyone, ever. We don't ask for sensitive personal information beyond your name and email. You decide how much identifying detail you include in your responses.

Yes. Beyond your name and email, nothing in your assessment requires you to identify your employer, colleagues, or anyone else by name. You're describing your situation — and you decide how much detail to include.

If something changes materially before your memo is delivered, reach out and we'll discuss whether it makes sense to resubmit. Once the memo is delivered, the analysis reflects your situation at the time of your assessment — which is why I ask you to complete it in one sitting and be as specific as possible.

Within 5 business days of completing your assessment — sooner when I can manage it. For Tier 3, the Stress Test Summary is delivered within 5 business days of your session.

Yes — just pay the difference. You can upgrade within 30 days of your memo being delivered. After that, the engagement is considered complete. To upgrade, email me at crystal@herenowadvisory.com and I'll send you a Stripe payment link. The memo you already have becomes the foundation for your session — no additional memo work needed.

Tier 2 and Tier 3 clients can request a downgrade before submitting their assessment — the difference will be refunded within two business days. Cancellations before submission receive a full refund less a $150 administrative fee. Once your assessment is submitted, neither downgrades nor refunds are available — the analytical work is completed in full regardless of tier.

For Tier 2 and Tier 3, your session must be scheduled and completed within 14 business days of your memo being delivered. If you haven't booked by day 10, I'll send you a reminder. If something comes up, please reach out before the window closes and we'll find a solution.

If you email me at crystal@herenowadvisory.com within 24 hours of the missed session, I'll extend one courtesy reschedule. The rescheduled session must be completed within 7 business days of the original no-show. If we can't make that work, or if you miss the rescheduled session, it's forfeited without refund. This applies once per engagement.

After your memo is delivered, you'll receive a booking link with a deadline date. Scheduling is your responsibility — book directly through Calendly at your convenience, before the deadline in your delivery email.