1:1 Coaching · The Frugal Expat

Get a clear plan for your ETF income portfolio

A focused, one-on-one session to review your current holdings, stress-test your 3-bucket strategy, and walk away with a concrete next step — not just more information.

Book your session →

6,000+
YouTube subscribers
2,400+
Newsletter readers
3
Bucket framework
60 min
Focused session

📊
Building income
You hold covered call ETFs like SPYI or QQQI and want to know if your buckets are balanced for your goals.

🔀
Stuck at a crossroads
You've watched the videos but still aren't sure what to do with your specific situation and portfolio.

🎯
Optimising growth
You want a second set of eyes on your SCHD, VTI, or QQQM allocation before making your next move.


  • A full review of your current ETF portfolio and 3-bucket allocation

  • Honest assessment of your income vs. growth balance for your timeline and goals

  • Specific, actionable recommendations — not generic advice that applies to everyone

  • Covered call and dividend strategy discussion if relevant to your holdings

  • A written action plan emailed to you within 24 hours of the call


Portfolio Clarity Session
$197 one-time

60 minutes
Zoom call
Written summary included
  • Deep-dive review of your actual holdings and allocation
  • 3-Bucket framework mapped to your personal goals and timeline
  • Covered call and dividend strategy discussion
  • Post-call written action plan emailed within 24 hours

Book now — $197

Secure checkout · Instant booking confirmation


SC
Steve Cummings
The Frugal Expat · Melbourne, Australia
American expat who built his portfolio from scratch while living abroad. I created the 3-Bucket ETF framework and now share it with 6,000+ subscribers across YouTube and my newsletter. I've helped investors at every stage — from just starting out to fine-tuning a six-figure income portfolio.


Do I need a certain portfolio size?
Not at all. These sessions work whether you're just starting out or managing a substantial portfolio. What matters is that you have specific questions you want answered.

What should I prepare before the call?
Just bring a list of your current holdings and a rough sense of your goals — income, growth, or both. No spreadsheets required, though the more context you share, the better the session.

Is this financial advice?
This is educational coaching. I share frameworks, analysis, and my own perspective based on your situation. I'm not a licensed financial advisor, so always do your own research before acting on anything we discuss.

What if I'm outside the US?
Totally fine — I'm an expat myself. We'll factor in any currency or tax considerations relevant to your location and situation.

How do I book?
Click the booking button above, pick a time that works, and complete the checkout. You'll get a Zoom link and a short intake form by email within a few minutes.

This coaching session is for educational purposes only and does not constitute financial advice. Always conduct your own research and consult a licensed professional before making investment decisions.

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