A financial advisor offers advice on money management and investing, often for a fee. They may handle buying and selling securities and charge various fees based on their services. Includes investment advisors who manage portfolios and Certified Financial Planners (CFPs) who create customized financial plans. Not all advisors are fiduciaries, meaning they may not be legally obligated to act in the client's best interest, making it crucial to inquire about their fiduciary status.

Pros:
-Personalized investment advice and ongoing portfolio analysis.
-Expertise in wealth protection through insurance and tax planning.
-Can directly manage securities for clients.

Cons:
-Can be costly; fees may accumulate over time.
-Qualifications vary widely, necessitating background research.
-Not all advisors adhere to fiduciary standards.

A financial coach, or money coach, helps clients set and achieve financial goals without necessarily managing investments. They guide clients in budgeting, saving, and improving financial habits. While not required, certifications like the Accredited Financial Counselor (AFC) can enhance credibility.

Pros:
-Provides goal-setting support and accountability.
-Helps navigate financial challenges.
-Generally more affordable than financial advisors.

Cons:
-Credentials can vary; thorough vetting is important.
-May lack the expertise in wealth management that some financial advisors offer.
-Generally more affordable than financial advisors.

A client's progress largely hinges on their commitment to the program and their financial situation. For instance, a client burdened with $1 million in bad debt will require a vastly different strategy compared to one with no debt.

Generally, clients who are dedicated see significant improvements within 12 months and achieve a sense of financial freedom within 36 months.

All client's start at the foundation level and work up from there. No members start high no matter their financial background.

Yes, we offer special pricing to low income individuals and teachers, police, fire, and special forces.

As a financial coach, I don't hold any specific designation. Unlike Financial Advisors or Financial Planners, financial coaches aren't required to possess licenses or securities registrations.

Client progress and success are measured primarily by tracking changes in their net worth over time. This involves regularly reviewing clients’ financial statements, including assets and liabilities, to assess growth. By establishing clear financial goals at the outset, we can set benchmarks and monitor progress against those targets. Additionally, we analyze improvements in areas such as debt reduction, savings accumulation, and investment growth. Regular check-ins allow us to celebrate milestones and make adjustments to the strategy as needed, ensuring clients remain on track toward their financial objectives.

We typically meet every other week, either virtually or in person, depending on what works best for you. Each session usually lasts about an hour and follows a structured format. We begin by reviewing your progress since our last meeting, discussing any challenges you may have encountered, and celebrating your successes. Then, we’ll dive into the specific topics or goals you want to focus on during that session. Finally, we’ll set actionable steps for you to take before our next meeting, ensuring you stay on track toward your financial objectives. This structure helps maintain accountability and allows us to adapt your plan as needed.