In our 20 years of experience, we have offered professional and objective financial counseling and coaching, and have found that education, dedication, and working toward a goal have proven the most effective defense to uncertain financial times. Together with a professional financial counselor, you can look at any financial question or issue you may have. No question is too small, no situation is hopeless. Financial uncertainty is everywhere, so why run from it when you can do something about it. It’s time to get back to the basics of finances and take control of your money before it controls you.
Knowing who to trust with something as important as your finances isn’t easy. Unlike financial planners, as financial counselors, we have no revenue incentives or ancillary services to sell. All we have is the commitment to listen to you and then provide our fact-based recommendations. For us, bringing about fundamental change from your past actions and improving future decision making involves a personal consultation and an analysis of your spending patterns from one of our unbiased financial experts.
Personal Financial Phone Services
Debt - how to pay off debt, dealing with creditors, credit counseling, refinancing or consolidating debt, factors to consider when contemplating bankruptcy or foreclosure, determining and improving credit ratings
Budgeting – how to put together a budget, managing the stress of financial problems
Taxes – locating a tax professional, locating resources for general tax information, estimating the tax withholding allowance on your paycheck, determining filing status
Savings & Retirement Planning – tools to determine savings rate for retirement, tools to determine how much you need to retire, the types of retirement accounts available and how they work, planning and saving for college education, description of services generally offered by financial planners, how to locate a financial planner
Home Ownership & Mortgages – steps involved in purchasing a first home, programs available to assist with purchasing a home, benefits of renting versus buying a home, home equity loans, the tax consequences of selling a home, foreclosure
Insurance – how disability can affect cash flow, determining whether to purchase additional life insurance, explanation of the types of life insurance, insurance coverage after retirement, evaluating the need for long-term health care insurance
Eldercare – where to locate assistance with elder financial issues, reporting improper solicitation of seniors
Services are not available in Iowa, Minnesota, Wisconsin, Maine, Vermont and Utah.
