If you have a question you don't see here, send us an email. We'll respond very quickly to you and we'll post it here for others to read.

Q. How can I justify paying for coaching with you if I can't even afford to pay my bills?

A. Great question; we view coaching session as a serious investment. Our service should not only pay for itself (in the form of credit settlements, improved lifestyle, lowered stress levels, better marriage, etc.), but it should actually make you money over the course or your coaching package.. Most clients tell us they easily recoup the cost of coaching within the first 2-3 months. That's a serious return on your investment! Knowing this, how can you NOT afford to meet with us? If you want to change your life, you must stop doing what got you to where you are now, and decide to travel down a new path.

Q. How much do you charge for your personal financial services?

A. Because each person's situation is different, we do not charge all customers the same price. We try to give you as much of a discount as we can based on the amount of progress we expect you to make. Justin would love to offer you 30-minutes of free coaching, no committment or obligation is necessary.

Q. I'm struggling with debt and planning to file bankruptcy to wipe my slate clean and start over. Won't I save money in the long run this way?

A. Bankruptcy is never a good plan, and we will help you avoid it if at all possible. Most families often have better options. The current cost to file bankruptcy averages over $2,000. The new bankruptcy law also requires families to complete a class at a personal cost to them. Bankruptcy is simply a quick fix which only attempts to treat the symptom (debt) and not the real problem (overspending or living without a plan).

Bankruptcy is also extremely hard on marriages and families, and most couples do not survive in the long run. Bankruptcy is ranked among the top 10 life-altering events, along with divorce and the death of a family member.

Why not spend a small fraction of the cost of bankruptcy and let us help you develop personal financial habits that will change your life. We'll show you how to overcome your debt and develop good habits that will allow you to win!


Q. Should I use Debt Consolidation to help solve my problems and to get ahead'?

A. Not if you only intend to treat the sympton of the real problem. Debt consolidation doesn't address the real underlying problem which is the reason you are in debt in the first place.. We'll help you change your habit patterns so you break the cycle and change your life. We want you to win!


Q. What if I don't have time to do a budget every month?

A. Before a builder builds a house, does he have a blueprint drawn? In any major sporting event, do they just run around, or do they have a plan? Your income is the greatest wealth-building tool you have. As Americans, we usually plan for other things in life, but amazingly, not many of us adequately plan our finances. Is it time for you to stop wondering where your money went and instead purposely plan for where it will go? After establishing a budget, many families are able to spend just 15 minutes each month, preparing the budget for the next month.


Q. I've tried budgeting and it doesn't work for me. Why?

A. Budgeting may NOT work the first month or two that you use it. If you've never kept track of your finances, you'll quickly realize there are many things eating into it. Here are some tips to help you out:

1. Spend every dollar on paper before the month begins.
2. Over-fund your groceries category. Many people do not realize how much they spend each month. If you budget too high, you can always lower it the next month.
3. Give the budget a few months (3-4) to start working. It is not abnormal for it not to work initially.

Q. Do you sell stocks, securities or insurance products?

A. No, we do not sell any products. Our mission is to serve our clients. We teach you how to build a better future through successful management of your finances.


Q. What do I need to do to set up an appointment?

A. First contact us to set up a free consultation. Justin will meet with you personally to make sure that coaching is a good fit for you and your family.


Q. How does a coaching session work?

A. We will email you pre-work forms in order to gather your financial information. This allows our time together to be as helpful to you as possible. We take into consideration where you are in life as well as your future goals. From there we help you develop a plan so that you can reach your goals. For more information, please contact us.


Q. Do you offer a free consultation?

A. As a matter of fact, we do offer a free 30-minute consultation over the phone or in person. You can simply call us, or click here to tell us a little bit about yourself and we'll be in touch.