In addition to the life experience of getting myself out of significant debt, I successfully completed Dave Ramsey's Financial Coach Master Training. My coaching is based on his principals and philosophies.
 

A financial coach focuses on financial literacy, budgeting, and debt management, helping clients build good money habits, while a financial advisor specializes in investment planning, retirement planning, and long-term financial strategies.
 
Here's a more detailed breakdown:
 
FINANCIAL COACH:

• Focus: Helping clients improve their financial understanding, develop good money habits, and achieve short-term goals.
• Services:
• Budgeting and cash flow management
• Debt reduction strategies
• Saving and investing basics
• Financial education and goal setting
• Approach: Often uses a coaching style to empower clients to make informed decisions.
• Regulation: Financial coaches are not typically regulated or required to hold specific licenses for investment advice.
• Fee Structure: Often charge an hourly fee or a flat fee for their services.
• Target Audience: Individuals or couples who need help with basic financial management, building good habits, and setting short-term goals.

FINANCIAL ADVISOR:

• Focus: Developing and implementing long-term financial plans, including investment strategies, retirement planning, and estate planning.
• Services:
• Investment management and portfolio analysis
• Retirement planning and tax strategies
• Insurance planning and risk management
• Estate planning and wealth transfer
• Approach: Provides expert advice and guidance on financial products and services.
• Regulation: Financial advisors are typically regulated and required to hold specific licenses for investment advice.
• Fee Structure: May charge a percentage of assets under management, an hourly fee, or a fixed fee.
• Target Audience: Individuals or couples who have a more complex financial situation, need help with investment planning, and are focused on long-term goals.

This will vary from client to client because everyone's situation is different. My goal is always to help you achieve your goals as quickly as possible. We will work together to develop an initial game plan and then regularly review it and adjust as needed.

My sessions are 1 hour long. I find this is enough time to check in to see how you are doing, review results from the previous session, prepare tasks to be completed before the next session, and answer questions along the way.

This is up to you. Typically they can occur every 3 to 4 weeks so you have enough time to complete the tasks we agree need to be done. But this is not set in stone. I will work with you at a faster or slower pace if needed.

They are fairly simple:

• Be on time to the session.
• If you must cancel or reschedule you will let me know at least 24 hours in advance.
• Be prepared.
• Don't be stressed if you were not able to get all the tasks completed.
• If we are meeting via Zoom and you are at home, have a distraction-free place from which you can meet.
• Don't be afraid to ask any questions.

During our complementary consultation, for which there is no charge, if we determine we are a good fit for each other we will review the fee structure. The fees are based on hourly rates and there are discounts available for booking multiple sessions.

My preferred payment methods are cash, check, and Zelle. However I also accept payments via PayPal, Venmo, and Square in which case I will generate a payment request for you to make payment. If using any of these payment methods I ask that you only use debit cards or direct bank account debit. The services will not allow me to prevent the use of credit cards, but it is my hope that you will not increase your debt by using a credit card.