How We Help
Families and Individuals
We provide one-on-one coaching to families and individuals to enable, encourage, and equip them to be debt-free, attain peace of mind, and leave a legacy for generations.
Cash Flow Management
As the adage goes “Cash is king and cash flow is the heart of the kingdom”. Managing cash flow is the most important factor in being debt-free. We train our clients to manage their cash flow using state-of-the-art web applications.
We will develop a monthly plan to maintain your cash flow. We provide guidance in accelerating positive cash flow and delaying negative cash flow, without adding penalties and fees. We analyze and provide coaching on all 5 components of cash flow management.
Components of Income and Deductions
Fixed Expenses
Discretionary Expenses
Taxes
Savings
We help you by
Conducting financial workshops for your employees educating them on personal finance.
College Funding Guidance
It’s any parent’s dream to see their children graduate from college. With tuition costs and living expenses increasing astronomically, parents need to plan well ahead of time to invest in their children’s future. We provide guidance on various aspects of college funding - 529 plans, FAFSA preparations/disclosures, scholarship availability, student loans and their refinance options, state prepaid tuition plans etc., to name a few.
Retirement Planning
Retirement is not an age, but a number. It’s the amount that you need to have at retirement so that you can spend your golden years in dignity.
We guide each client to identify their number since it’s different for everybody. Once the number is identified, we provide recommendations on monthly contributions, rate of returns, and accountability to help you reach that number. We also help our clients choose investment options to meet their retirement numbers.
Investment Review and Guidance
Investments usually make or break your retirement dreams. Some mistakes are so costly that it is impossible to recoup those during your golden years.
We provide an accurate and independent review of your portfolio to assess whether they meet your financial dreams. We also provide investment training for you to become knowledgeable and ask the right questions to your asset manager. We also review all types of IRAs, 401(k), 403(b), 457, and similar investment vehicles. We also provide guidance on balancing your portfolio to maximize returns with minimized risk.
Credit Report Reviews
It is a reality that identity theft is on the rise and we ensure that our clients are protected. We constantly review credit reports to identify errors reported by creditors. Please note that our goal is not to boost the credit report for you to borrow more. Remember, we are aiming towards a debt-free life. We also provide guidance on securing your identity with reputed restoration services.
Home Buying and Mortgage Reviews
Homeownership is usually the biggest dream and the highest financial transaction people make in their lifetime. We assess our clients with respect to their readiness to own a home and what they can afford. We also educate our clients on all the costs of homeownership so that they can make an educated decision. Once a client decides to buy a home, we provide them with mortgage options and an independent review. We do not have any affiliation with nor receive a commission from any real estate, loan officers, or title companies.
As far as the Business formation I will complete the following:
1. Business name Reservation
2. EIN for your business
3. Filing your Articles of Formation with the Secretary of State and Probate court.
4. Establishing Your Operating Agreement
5. Your 1st Annual meeting minutes
6. Membership Certificate I also will walk you through all the documents
so you will be well educated on what and why you have them.