About
More than 7 million Americans earning $100k or more feel they’re living paycheck-to-paycheck.1
If you’re struggling to get ahead, despite a solid income, you’re not alone.
High earners face a specific set of money challenges:
- Rising costs eating into take-home pay
- Multiple debt payments pulling in different directions
- No clear picture of where your money is actually going
That’s why I created Function Financial. I provide a one-time Financial Health Check: a clear, personalized plan to stop the paycheck-to-paycheck cycle and start building real wealth.
As a credentialed CFP® professional, I’m held to the highest standard in financial planning, which means I’m required to put your interests ahead of my own, always. And the CFP® designation makes a real difference: working with a CFP® professional has been shown to nearly double your chances of feeling financially secure.²
My goal is simple: to give you the clarity and confidence to enjoy today while building toward tomorrow.
Benjamin Daniel, CFP®
Owner & Financial Planner, Function Financial
3 Easy Steps to Get Started
1. Set up an Intro Call
Ask your questions & assess mutual fit.
2. Get Organized
Organize your info for feedback from a CFP® Pro.
3. Get Results
Implement your personalized plan & start getting results!
Footnotes:
1 — Source: Derived from U.S. Bureau of Labor Statistics Q1 2026 data showing approximately 30.2 million full-time wage and salary workers at or above the $100,000 annual income threshold, combined with Bankrate survey data (2024, accessed 2026) finding that 24% of Americans earning $100,000 or more report living paycheck-to-paycheck. [“Usual Weekly Earnings of Wage and Salary Workers, First Quarter 2026,” U.S. Bureau of Labor Statistics, 2026] https://www.bls.gov/news.release/pdf/wkyeng.pdf [Bankrate’s Paycheck to Paycheck Survey, Bankrate, 2024] https://www.bankrate.com/banking/living-paycheck-to-paycheck-survey/
2 — Source: [Financial Planning Longitudinal Study, CFP Board, 2024] https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/consumer-surveys/financial-planning-longitudinal-study-2025.pdf