What Are Some Alternatives to the Human Bean Franchise?

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What Are Alternative Franchise Chains to The Human Bean Franchise


Considering alternatives to The Human Bean franchise for your coffee business aspirations? You're not alone in exploring diverse opportunities within the thriving coffee sector. Discovering the right fit involves understanding various models and their unique investment profiles, and we've crafted a comprehensive guide to help you navigate these choices. Explore our The Human Bean Franchise Business Plan Template for a foundational understanding of the operational and financial planning required, which can be adapted as you consider other brands.

What Are Some Alternatives to the Human Bean Franchise?
# Alternative Franchise Chain Name Description
1 Dutch Bros Coffee

Dutch Bros is a top-tier competitor known for its cult-like following, high-energy 'broista' culture, and exceptional unit-level economics, operating over 900 locations with a focus on unique, customizable energy drinks.

While not currently offering public franchise opportunities, its success provides a powerful case study for the drive-thru coffee space, making it a benchmark for profitability and brand appeal.

2 7 Brew Coffee

7 Brew is a rapidly emerging franchise with a double-lane drive-thru model focused on speed and a simplified menu, offering a wide variety of custom-flavored beverages, including energy drinks, teas, and sodas.

With a target service time of under 3 minutes per vehicle and vibrant branding, it's a premium investment opportunity for multi-unit operators seeking rapid growth in the drive-thru coffee sector.

3 PJ's Coffee of New Orleans

PJ's Coffee stands out with its Southern heritage and a proprietary small-batch roasting process that creates a superior-tasting cold brew, offering diverse business models including traditional cafes and drive-thru-only locations.

With over 175 locations and a 40-plus-year history, PJ's Coffee represents a stable, established brand that appeals to entrepreneurs valuing craft and quality, with varied investment options for different market approaches.





Key Takeaways

  • Prominent coffee franchise alternatives to The Human Bean include Biggby Coffee, Scooter's Coffee, and 7 Brew, all focusing on a strong drive-thru service model, with the US specialty coffee shop market projected to grow by 45% through 2025.
  • Drive-thru focused coffee franchises have shown a 18-20% higher ticket average in 2024-2025 compared to walk-in only cafes, making them financially attractive alternatives.
  • Coffee franchise business models vary from The Human Bean's double-sided drive-thru kiosk to flexible options like single drive-thrus, end-cap locations, and mobile units, with kiosk opportunities offering 15-20% lower operational overheads.
  • Initial investment ranges for drive-thru focused coffee franchises typically fall between $400,000 and $12 million, with smaller kiosk or mobile concepts available for under $150,000, and ongoing fees usually comprising 5-7% royalty and 1-3% marketing fees.
  • Key requirements for coffee franchise ownership include financial thresholds (e.g., The Human Bean's 2025 requirement of $250,000 liquid capital and $750,000 net worth) and strong business management skills, with franchisors providing extensive training programs.


What Alternative The Human Bean Franchise Unit Franchise Options Exist?

When considering a franchise opportunity in the bustling coffee sector, exploring alternatives to The Human Bean Franchise Unit is a wise move for any prospective franchisee. The market is dynamic, and understanding your options is key to making a sound investment. As of June 2025, several strong contenders are making waves in the coffee franchise landscape, particularly those focusing on efficient service models.

What are key coffee franchise alternatives?

  • Brands such as Biggby Coffee, Scooter's Coffee, and 7 Brew stand out as prominent coffee franchise alternatives. These companies have successfully carved out niches by emphasizing a robust drive-thru service model, which aligns with current consumer preferences for speed and convenience.

  • The US specialty coffee shop market is experiencing significant expansion. Projections indicate a growth of an additional 45% through 2025, which translates into numerous franchise opportunities for aspiring entrepreneurs looking for well-established and growing concepts.

  • When comparing business models, alternative coffee franchises that prioritize drive-thru operations have demonstrated a compelling financial advantage. In 2024-2025, these models have consistently shown a 18-20% higher ticket average compared to cafes that rely solely on walk-in customers, making them attractive investments.

How do different coffee franchise business models compare?

  • The diversity in coffee franchise business models is vast. While The Human Bean Franchise Unit is known for its double-sided drive-thru kiosk format, other brands offer more flexibility. These include single drive-thrus, end-cap locations that incorporate a drive-thru, and traditional cafe build-outs that offer a more comprehensive customer experience.

  • For those interested in smaller footprints, coffee kiosk franchise opportunities in 2025 continue to present a strong case. Operational overheads for kiosks are typically 15-20% lower than those of full-sized cafes. This translates to reduced average utility and staffing costs, often by over $3,000 per month.

  • For entrepreneurs with a more limited initial capital outlay, mobile coffee franchise options are a rapidly growing segment. Data from 2025 indicates that initial investment costs for these ventures can be as low as $80,000, with a projected revenue growth rate of 8% year-over-year, offering a scalable entry point into the coffee industry.


Tips for Evaluating Coffee Franchise Alternatives:

  • Analyze the Drive-Thru Potential: Given the market trends, assess how well each alternative coffee franchise leverages drive-thru operations for efficiency and revenue generation. The Human Bean Franchise Unit average annual revenue per unit is $884,304, and understanding how competitors achieve similar or better results through different models is crucial.

  • Compare Investment Structures: The initial investment for The Human Bean Franchise Unit can range from $552,350 to $1,058,890. It's important to compare this with the upfront costs of other coffee franchises, especially considering factors like franchise fees, build-out requirements, and necessary liquid capital, which for The Human Bean Franchise Unit is between $127,000 and $154,000.

  • Scrutinize Operational Efficiencies: Pay close attention to the operational models. For instance, the lower overhead of kiosk models, estimated at 15-20% less than traditional cafes, can significantly impact profitability. Consider the implications of royalty fees, which for The Human Bean Franchise Unit are 6%, and marketing fees at 1%, when comparing potential returns.


Exploring these various coffee franchise alternatives allows for a more informed decision, ensuring alignment with your investment goals and operational preferences. Understanding the nuances of each business model, from kiosk efficiency to mobile operations, is vital for navigating the competitive landscape and identifying the best franchise opportunities coffee for your entrepreneurial journey. You can learn more about starting a similar venture by reviewing the steps outlined in How to Start a The Human Bean Franchise in 7 Steps: Checklist.



What Are The Investment Level Alternatives?

What are typical initial investment ranges?

When you're looking at franchise opportunities in the coffee sector, the investment levels can vary quite a bit. For drive-thru focused brands in 2025, you're typically looking at an initial outlay that can range from $400,000 to $12 million. This broad range accounts for everything from the initial franchise fee, securing and building out a location, to purchasing all the necessary equipment.

If you're exploring low cost coffee franchise opportunities, smaller concepts like kiosks or mobile coffee units can be a great entry point, often starting under $150,000. For a more established drive-thru coffee franchise, a mid-range investment of around $800,000 in 2025 might break down like this: a franchise fee of about $35,000, site improvements and construction around $450,000, an equipment package costing approximately $160,000, and initial working capital in the ballpark of $155,000.

How do ongoing fees and royalties differ?

Beyond the initial investment, understanding ongoing fees is critical for assessing the long-term profitability of a coffee franchise. These typically include a royalty fee, usually between 5-7% of gross sales, and a marketing or advertising fund contribution, commonly around 1-3% of gross sales.

For instance, while a specific brand might have a 5% royalty, another alternative coffee franchise could charge a 6% royalty but bundle local marketing support. Conversely, some might offer a lower 4.5% royalty but ask for a higher 3% ad fund fee. It’s essential to model these differences: a franchise generating $800,000 in annual sales with a 5% royalty means paying $40,000 annually in royalties, compared to $48,000 with a 6% royalty. That $8,000 difference directly impacts your bottom line.

Comparing these financial structures is key when looking at franchise opportunities coffee. For example, the How to Start a The Human Bean Franchise in 7 Steps: Checklist outlines specific investment details, but understanding how other coffee shop franchises structure their fees will help you find the best fit for your financial goals.


Tips for Evaluating Ongoing Fees

  • Analyze the Royalty Structure: Understand if royalties are a flat percentage or tiered based on sales volume.
  • Scrutinize the Ad Fund: Clarify what the marketing fee covers and how effectively it's being used.
  • Model Different Scenarios: Project your potential revenue and calculate the impact of various royalty and ad fee percentages on your net profit.
  • Consider Included Services: Sometimes a higher fee includes valuable support or resources that can offset the cost.



What Are The Requirements For Coffee Franchise Ownership?

What are the financial requirements for franchisees?

When considering franchise opportunities in the coffee sector, understanding the financial commitment is paramount. Prospective franchisees are typically required to demonstrate a certain level of financial stability to secure the necessary funding and cover initial operational expenses. For instance, a franchise unit that aligns with drive-thru models in 2025 often requires a minimum of $250,000 in liquid capital and a substantial net worth of $750,000. These figures are not static; the industry has seen an average increase of 10% since 2023 in such financial prerequisites, largely due to escalating construction and equipment costs.

The initial investment for a coffee franchise can range significantly. Based on available data for comparable businesses, the low end of the initial investment typically starts around $552,350, while the high end can reach up to $1,058,890. This broad range accounts for factors like location, store size, and build-out requirements. The initial franchise fee itself is often around $30,000, with ongoing royalty fees commonly set at 6% of revenue and marketing fees at 1%. To manage these costs, having readily available cash, often between $127,000 to $154,000, is a key consideration for aspiring owners.

What experience is needed to start a franchise?

While prior experience as a barista or in the food service industry can be advantageous, it's not always a mandatory requirement for coffee shop franchises. Most franchisors prioritize candidates who possess strong business acumen, including effective leadership, solid management skills, and a commitment to excellent customer service. These are the foundational qualities that contribute to the success of franchising a coffee business.

To ensure new owners are well-prepared, franchisors typically provide comprehensive training programs. These programs, which can last anywhere from 2 to 4 weeks, cover all essential aspects of running a coffee franchise, from daily operations and supply chain management to marketing strategies and financial oversight. In 2025, it's common for over 90% of leading coffee franchisors to offer this in-depth initial training to equip franchisees for success.

Beyond tangible skills, franchisors also look for a cultural alignment with their brand values. Many coffee franchises, much like those with community-focused initiatives, seek owners who are eager to participate in brand-specific programs and contribute to the local community. This shared vision is crucial for long-term partnership and brand integrity. For those exploring alternatives to the Human Bean franchise, understanding these underlying expectations is key. You can learn more about the specific brand by reviewing What are the Pros and Cons of Owning The Human Bean Franchise?


Tips for Franchise Ownership Readiness

  • Financial Preparedness: Ensure your personal finances are in order and you have a clear understanding of your borrowing capacity.
  • Business Acumen: Develop strong leadership and management skills, as these are often prioritized over direct industry experience.
  • Cultural Fit: Research the franchisor's mission and values to ensure alignment with your own business philosophy.



Alternative Franchise Chain: Biggby Coffee

When exploring alternatives to The Human Bean franchise, Biggby Coffee presents a compelling option for those looking into coffee franchise opportunities. It offers a different approach to the coffee shop franchises market.

What is Biggby Coffee's franchise model?

Biggby Coffee distinguishes itself with a flexible franchise model that accommodates various location types. This includes free-standing drive-thrus, strip center end-caps, and even non-traditional kiosks. This versatility in site selection is a key differentiator, offering more options than concepts solely focused on drive-thru operations.

As of 2025, Biggby Coffee boasts over 390 locations and is actively expanding. Their ambitious 10-year growth plan aims to reach 1,000 units by 2028, highlighting significant franchise opportunities in the coffee sector. The brand cultivates an approachable, community-centric identity, making it an attractive choice among alternative coffee franchises for entrepreneurs who prioritize customer connection alongside efficient operations.

What is the investment for Biggby Coffee?

The estimated initial investment to open a Biggby Coffee franchise in 2025 falls between $246,900 and $517,800. This range represents a considerably lower entry point when compared to many other drive-thru-focused coffee franchises. For context, the estimated initial investment for The Human Bean franchise ranges from $552,350 to $1,058,890.

Financial requirements for a Biggby Coffee franchise include an initial franchise fee of $20,000. Franchisees also contribute 6% of gross sales as a royalty fee and 3% of gross sales to the brand fund. This more accessible investment tier positions Biggby as one of the more attainable franchise options, particularly for individuals aiming to enter the coffee market without requiring substantial upfront capital exceeding $1 million.

Comparing Investment and Financials

Metric Biggby Coffee (Estimated 2025) The Human Bean (FDD Data)
Initial Investment Range $246,900 - $517,800 $552,350 - $1,058,890
Franchise Fee $20,000 $30,000
Royalty Fee 6% of Gross Sales 6% of Gross Sales
Marketing Fee 3% of Gross Sales (Brand Fund) 1% of Gross Sales

Tips for Evaluating Coffee Franchise Alternatives

  • Understand the Business Model: Different coffee franchises have unique operational models. Consider if a drive-thru-centric approach, a kiosk, or a full-service café better suits your goals and local market.
  • Analyze Investment Tiers: Compare the total estimated initial investment, including franchise fees, build-out costs, and working capital. Lower cost coffee franchise opportunities can offer a more accessible entry point.
  • Review Unit Growth and Performance: Look at the number of franchised units and the growth trajectory. While Biggby is expanding rapidly, understanding the performance data of established locations is crucial for assessing franchise profitability.
  • Assess Brand Positioning: Consider the brand's identity and how it resonates with your target customer base. Some brands focus on speed, while others emphasize community or a premium experience.

When comparing franchise options similar to The Human Bean, Biggby Coffee offers a distinct value proposition. For those interested in franchising a coffee business, understanding these differences is key to making an informed decision about starting a coffee franchise business.



Alternative Franchise Chain: Scooter's Coffee

What makes Scooter's Coffee a strong alternative?

When exploring coffee franchise alternatives, Scooter's Coffee stands out as a compelling option. Its business model is optimized for efficiency, featuring a compact 670-square-foot drive-thru-only kiosk. This design is specifically crafted to facilitate speed and handle high sales volumes, a critical factor in the competitive coffee market.

The brand has experienced remarkable expansion, projecting to reach over 800 locations by early 2025 and aiming for more than 1,000 stores. This rapid growth underscores its position as one of the best coffee franchises. Scooter's Coffee lives by its motto, 'Amazing People, Amazing Drinks… Amazingly Fast!®,' which highlights a core operational focus on swift customer service. This emphasis on speed directly contributes to profitability, as evidenced by their reported average unit volume (AUV) of $982,581 for a specific group of stores in their 2024 Franchise Disclosure Document (FDD).

What does it cost to franchise Scooter's Coffee?

For those considering comparing coffee franchise investments, Scooter's Coffee's estimated total initial investment for 2025 ranges from $899,167 to $1,483,197. This places it in the upper-middle tier among available franchise opportunities coffee.

Ongoing fees for 2025 include a 6% royalty fee and a 2% marketing fee, both calculated on gross sales. The initial franchise fee is $40,000. To qualify as a new franchisee, candidates must possess a minimum of $250,000 in liquid capital and a net worth of at least $750,000. These financial prerequisites are in line with those for premier coffee kiosk franchise opportunities.

Initial Investment Range (2025) $899,167 - $1,483,197
Franchise Fee $40,000
Royalty Fee 6% of Gross Sales
Marketing Fee 2% of Gross Sales
Minimum Liquid Capital $250,000
Minimum Net Worth $750,000

Key Considerations for Scooter's Coffee

  • Model Efficiency: The drive-thru-only kiosk model is a significant advantage for achieving high throughput and managing operational costs effectively.
  • Growth Trajectory: The aggressive expansion plans indicate strong market acceptance and support from the franchisor, suggesting a robust system for franchisees.
  • Financial Performance: An AUV of nearly $1 million highlights the potential for strong revenue generation, but it's crucial to analyze the underlying P&L to understand profitability drivers.

When looking at alternative coffee franchises, it's important to compare investment levels and operational models. For instance, while Scooter's Coffee demands a significant investment, its focused kiosk model can lead to quicker ramp-up times compared to full-service coffee shops. Understanding how this compares to other coffee shop franchises is vital for making an informed decision about franchising a coffee business. If you're curious about the investment for another popular brand, you can learn more about How Much Does the Human Bean Franchise Cost?



Alternative Franchise Chain: Dutch Bros Coffee

When exploring alternatives to a franchise like The Human Bean, Dutch Bros Coffee stands out as a significant player in the drive-thru coffee market. It's a brand that many aspiring franchisees consider, especially those drawn to the energetic atmosphere and strong unit economics often associated with successful coffee concepts.

Why is Dutch Bros a key competitor?

Dutch Bros has cultivated a loyal following, often described as 'cult-like,' thanks to its distinctive 'broista' culture and impressive financial performance. This brand has set a high bar for profitability in the coffee franchise sector. As of 2025, Dutch Bros operates over 900 locations, primarily as double-sided drive-thrus. Their company-operated shop average unit volume (AUV) for 2024 was reported at approximately $19 million, a benchmark that highlights the potential for strong revenue generation in this niche.

The company's success can be attributed, in part, to its focus on unique, customizable energy drinks alongside traditional coffee offerings. This strategy has resonated particularly well with younger demographics, a consumer segment that many emerging coffee franchise brands are now aiming to capture. Understanding Dutch Bros' approach provides valuable insights for those looking at other coffee franchises like The Human Bean.

Can you franchise Dutch Bros in 2025?

For those seeking direct franchise opportunities, Dutch Bros is not currently an option for the general public. As of 2025, the company has temporarily halted external franchising. Their growth strategy is currently focused on expanding corporate-owned stores. Franchise opportunities are exclusively offered to existing, high-performing employees within the organization.

This internal growth model means that if you're looking for how to invest in a coffee franchise, Dutch Bros is not a direct pathway. However, their business model serves as an excellent case study for what's achievable in the specialized drive-thru coffee segment. For investors interested in a similar high-energy, drink-focused concept, it’s essential to explore other alternative coffee franchises, such as 7 Brew or other emerging brands that are actively seeking new franchise partners.

Key Metric Dutch Bros (Approximate 2024/2025) The Human Bean (FDD Data)
Total Units 900+ 24 (as of 2022)
Average Unit Volume (AUV) $19 million $884,304
Franchise Availability Internal Employees Only Available to Public

Tips for Evaluating Coffee Franchises

  • Analyze Unit Economics: Look beyond just AUV. Understand the cost of goods sold, operating expenses, and the resulting EBITDA to gauge true profitability. The Human Bean's average EBITDA is 12.0% of revenue.
  • Consider Market Saturation: Research the local market for competition. Drive-thru models, like Dutch Bros and many emerging concepts, often thrive in high-traffic areas.
  • Evaluate Brand Following: A strong brand identity and customer loyalty, as seen with Dutch Bros, can significantly impact sales and resilience.
  • Review Franchise Disclosure Documents (FDDs): For available franchises, thoroughly review the FDD for financial performance representations, franchisee satisfaction, and support systems. For The Human Bean, the initial investment ranges from $552,350 to $1,058,890.

When considering alternatives to the human bean franchise, understanding the successes of brands like Dutch Bros is crucial. While direct investment may not be possible, their operational model and financial achievements offer valuable benchmarks for evaluating other franchise opportunities coffee. Exploring other coffee franchises like 7 Brew or similar concepts can provide pathways to owning a successful coffee business. For those interested in The Human Bean specifically, understanding its financial structure, such as an average annual revenue per unit of $884,304, is a good starting point. You can learn more about the financial aspects of owning a Human Bean franchise at How Much Does a Human Bean Franchise Owner Make?



Alternative Franchise Chain: 7 Brew Coffee

When exploring franchise opportunities in the booming coffee sector, it's beneficial to consider brands that offer unique operational models and strong growth potential. As you look for alternatives to The Human Bean, one concept that stands out is 7 Brew Coffee.

What is 7 Brew's business concept?

7 Brew operates with a distinct double-lane drive-thru model, prioritizing speed and a streamlined menu. Their focus is on a wide variety of custom-flavored beverages, including energy drinks, teas, and sodas, alongside traditional coffee offerings. This efficiency-driven approach targets a service time of under 3 minutes per vehicle. By the start of 2025, the brand had expanded to over 200 locations. Its energetic branding and emphasis on a positive customer experience position it as a noteworthy option among best coffee shop franchise opportunities, particularly for those looking at multi-unit development.

What is the 7 Brew investment level?

Investing in a 7 Brew franchise in 2025 requires a significant capital commitment, with estimated initial investments ranging from $898,600 to $1,930,000. This places it at a premium investment level within the drive-thru coffee market. The financial structure includes an initial franchise fee of $40,000, with ongoing royalty fees set at 55% of gross sales and a 2% contribution to the marketing fund. The brand typically seeks experienced, multi-unit operators, requiring a minimum net worth of $15 million and liquidity of $500,000, reflecting its focus on established franchisees.


Key Considerations for 7 Brew

  • Target Market: 7 Brew excels in high-traffic areas, leveraging its drive-thru efficiency to capture a broad customer base seeking quick service.
  • Operational Model: The double-lane drive-thru and simplified menu are core to its rapid service times and scalability.
  • Financial Commitment: The higher investment threshold and net worth requirements mean this opportunity is best suited for well-capitalized entrepreneurs or seasoned investors.

For comparison, The Human Bean franchise has an estimated initial investment range of $552,350 to $1,058,890, with a $30,000 franchise fee and a 6% royalty fee. This makes 7 Brew a considerably larger investment, catering to a different tier of franchisee. Understanding these differences is crucial when comparing coffee franchise alternatives and evaluating how to invest in a coffee franchise.

Metric The Human Bean (FDD Data) 7 Brew Coffee (Estimated 2025)
Initial Investment Range $552,350 - $1,058,890 $898,600 - $1,930,000
Franchise Fee $30,000 $40,000
Royalty Fee 6% 55%
Marketing Fee 1% 2%
Minimum Net Worth Required $1,000,000 $15,000,000

When considering alternative coffee franchises, it's important to align the brand's model and investment requirements with your personal financial capacity and business objectives. Exploring various coffee shop franchises allows for a comprehensive understanding of the market and helps identify the best coffee franchises that fit your vision for starting a coffee franchise business.



Alternative Franchise Chain: PJ's Coffee of New Orleans

When exploring coffee franchise alternatives, PJ's Coffee of New Orleans presents a compelling option for entrepreneurs looking to enter the thriving coffee shop market.

How does PJ's Coffee differ from other franchises?

PJ's Coffee distinguishes itself through its deep Southern roots and a unique proprietary small-batch roasting process. This method results in a cold brew coffee known for being less acidic and offering a superior taste profile. It’s a key differentiator in the competitive landscape of coffee franchises.

The brand also provides a notable degree of flexibility in its business models. Franchisees can opt for traditional cafe setups, efficient drive-thru-only locations, or even non-traditional kiosks situated in high-traffic areas like university campuses and hotels. This adaptability caters to a broader range of investment capacities and market strategies, making it an attractive choice among coffee franchise opportunities.

With a history spanning over 40 years and a presence of over 175 locations by 2025, PJ's Coffee is an established and stable brand. For those starting a coffee franchise business, this longevity signals reliability and a proven track record, appealing to entrepreneurs who prioritize brand heritage and product quality in their franchise considerations.

What are the PJ's Coffee franchise financials?

The initial investment for a PJ's Coffee franchise in 2025 offers a spectrum of options. For a traditional location, the investment ranges from $235,400 to $653,000. For those interested in the high-volume drive-thru model, the investment can range from $490,000 to $1,175,000.

The financial structure for 2025 includes a franchise fee of $35,000. Additionally, franchisees pay a royalty fee of 5% of gross sales and contribute 2% to a marketing fund. These figures provide a clear financial framework for comparing coffee franchise investments.

These varied investment levels make PJ's Coffee a noteworthy consideration when comparing coffee franchise investments. It appeals to a wide array of entrepreneurs, from those seeking more accessible entry points with traditional cafes to those aiming for significant market capture through drive-thru operations. This flexibility is a significant factor for potential franchisees looking at alternative coffee franchises.

Investment Range (Traditional) $235,400 - $653,000
Investment Range (Drive-Thru) $490,000 - $1,175,000
Franchise Fee $35,000
Royalty Fee 5% of Gross Sales
Marketing Fee 2% of Gross Sales

Tips for Evaluating Coffee Franchise Opportunities

  • Understand the Business Model: Assess how the franchise's operational model (e.g., drive-thru, kiosk, full-service) aligns with your local market potential and investment capacity.
  • Analyze the Roasting Process: For coffee franchises, the quality and origin of beans, along with proprietary roasting techniques, can be significant competitive advantages.
  • Review Brand History: Franchises with a longer operating history, like PJ's Coffee with over 40 years, often indicate stability and proven operational success.

For those exploring alternatives to the Human Bean franchise, understanding the nuances of different coffee shop franchises is crucial. For a deeper dive into the specifics of one particular brand, you can review What are the Pros and Cons of Owning The Human Bean Franchise? This comparison helps in identifying the best coffee shop franchise opportunities that align with your personal and financial goals.