Coaching Concepts

From establishing your first budget to building on what you already have, we're here to help you achieve structure and success with your finances.  Budgeting is an essential life skill -not just a math exercise.  A budget teaches people how to make intentional decisions about their money, helping them balance needs, wants and goals. We come alongside clients to help with budgeting in order to build awareness and confidence in their spending, often times turning limited income into an necessary opportunity to learn responsibility, discipline and self-control. 

Debt can feel crippling and overwhelming, plunging people into a place of despair. We are here to come alongside you.. and we come from a place of understanding, not judgement. It is our deepest conviction to partner with you in establishing your path to a debt-free life... to help you make a permanent move from despair to place of hope and confidence.

Goal setting is one of the most rewarding steps toward financial stability and security.  It is your roadmap to success. As we set out on this path with you, it becomes a common bond shared as a team.  Just as a coach would guide and direct an athlete, you are the star of this event and we are by your side to encourage you through the hard times and celebrate every win as you progress day-by-day, and month-by-month to arrive at your pinnacle of financial success.

It's never fun to think about a world of dire straights; however, with a savings plan in place for emergencies, you can rest easy knowing you're prepared.  This is another area we will come alongside you to review your budget and help determine the parameters for an emergency fund that will give you peace-of-mind during those unexpected life events. 

Conflict surrounding finances can be tough conversations to navigate. While the numbers vary by study and context, survey data indicates that relationship conflict is often rooted in financial stress or money-related topics. And in the case of single adults, these same issues are equally prevalent. In all cases, these financial concerns create a sense of anxiety, worry, fear and apprehension.  We are here to help you through these stressors, both within your relationships and individually, in order to manage the emotions, and the decisions so you can remain on track in reaching your goals.  

Major life events are often expensive.  As humans, we generally have an idea of timing, however, there are instances that the timetable gets adjusted sooner  than expected.  While weddings, college and homeownership are typically in our control, there are other costly items that can catch us off-guard such as a new addition to the family, a funeral or even replacing a vehicle.  Not to mention, if you want a vacation, it's always best to plan that financial expenditure well in advance.  Preparing for these big-ticket items can feel daunting and it's our job to work with you in finding the best possible way to prepare for the inevitable.  

For many, by the time you've reached this milestone, it means you've found a sense of stability… please, take a minute to revel in your progress! Congratulations, my friend!! It is very commendable that you made a decision to be intentional with your finances.   And now you face the rewarding task of deciding how your hard-earned assets will be allocated!  It is at this point that we guide you through a collaborative process to clarify your priorities, explore your risk preferences and work with you to  create a personalized plan that ensures confidence and financial resilience. 

At this point, progressing through the remaining steps is fun, rewarding, and  gratifying. It is essential to note, each step on the pathway is important.  One might think after determining asset allocation, that finances can be put on auto-pilot but that really should not be the case.  Staying abreast of your financial picture is advisable.  In most cases, this might be a quarterly or annual check-in... or it can be as often as you deem necessary. At which time, we'll collaborate with you to review, track and adjust your investments to ensure they continue to align with your goals and risk tolerance.  

Regrdless of your life stage, being able to retire comfortably is a commom goal for most.  All too often, when we're younger, it's just a passing thought. Although the reality is that retirement planning can be much easier to tackle when there are more years to grow those funds.  Time is a commodity that can't be regained.  We're here to spearhead pertinent topics so clients will begin to formulate their goals and timelines, assessing their current reality pertaining to income, savings, debt and lifestyle costs. Helping them close the gap after identifying what needs to change - saving more, spending less or investing smarter.  Together we will work to build a plan that supports financial freedom and purpose through their retirement years.  

For most people, wealth accumulation means financial freedom.  But alas, financial freedom holds different meanings for different people… and that's OK!  We're here to work with every individual and couple to attain the things most important to them.  Each client is the lead character in their story and we're simply part of the supporting cast.  We will give guidance to help align your money with your goals, values and vision.  We will empower clients to build lasting wealth through intentional financial planning, disciplined investing and strategic decision-making, building confience in their path of financial security and generational wealth. 

We make a living by what we get, but we make a life by what we give. ~Winston Churchill.  

It is liberating to give.  It doesn't matter if you've achieved all your financial goals and you're actively accumulating wealth, or if you are in debt elimination mode, yet you find joy in giving a few dollars to a person in need.  Giving is good.  It's heartwarming. Often it provides a sense of fulfillment, purpose, contentment and peace.   Regardless of where our clients are in their financial journey, we will listen to their objectives on altruism and guide them in allocating resources to achieve their charitable goals. 

The most fun you can have with money is giving it away! ~Dave Ramsey