A: The Money Fit Program is an ongoing program. Each month includes 3 sessions plus in-between session support. The cost of the program is $497 per month which is paid in advance. People have different challenges and needs when it comes to personal finance. A pay-as-you-go model offers flexibility and puts you in charge while allowing me to tailor the program to be more effective. Some people will only need a month of coaching if they mostly need help with the technical stuff of saving, managing, and budgeting. Sessions during the 2nd month will typically address foundational strategies around taxes and investing, but also keep check and accountability on current progress and proactively deal with any challenges. Sessions during the 3rd month are the most individually tailored, often relating to longer-term goals or specific challenges with money behaviors or beliefs. Some clients switch to "Individual sessions" at this point, which are used as occasional check-ins, often spaced out months in between. GUARANTEE: You can opt out of the program at any time. Sessions paid for, but not used, will be refunded in full. My goal for you is to quickly see change and be excited about how the program is changing you and your financial outlook. Anything less than that is simply not good enough by my yardstick. -------- Individual sessions are non-refundable.

A: My typical clients are busy individuals, often professionals and small business owners. While they may not be living paycheck to paycheck, they know they could be doing much better, and often lack clarity around their finances as well as financial goals.

No - All of the above require professionals like a Certified Financial Planner or a Certified Public Accountant. My job is to get you to a place where you have more funds to invest, where you fully appreciate the importance of investing and using the tax code to your advantage. Where you are prepared to ask great questions and have a foundational understanding of the topics.

A: I help you live a financially fit life that is better synced to your goals. Areas addressed through the Money Fit Program or individual coaching include: - Establishing an efficient spending plan. - Implementing practical steps to free up income. - Teaching you great frameworks around saving, managing, and investing. - Establishing worthwhile goals 3, 5, and 20 years out. - Identifying and addressing any obstacles standing in the way. I have only done my job when your investment in coaching is returned several times over.

A: It is not having a system for allocating incoming dollars as well as a relaxed relationship with debt. Typically it is not lack of income that is the root cause, but more often an accumulation of debt payments confiscating an otherwise fully sufficient income. I also see a lack of “money skills” or having clear “money goals”, as a challenge.

A: 90% of my sessions are conducted online. If you live in Tucson, Arizona, let me know and I may be able to arrange for in-person counseling.

A: Indeed - please book a Complimentary Strategy Session It is an informal "meet and greet" where you can ask questions. This is not a sales call, rather, on my end, I want to be sure that my skill set matches the transformation you are looking for as well as any particular challenges.

A: I am an Accredited Financial Counselor, Candidate - (AFC®), and also the author of “Household Finance 101 – Your Flight Plan to Financial Independence” (available on Amazon). I have two formal educations, one as an Airline Transport Pilot, and the other as a 3-year degree in business administration. I also have extensive professional experience in areas of small business, start-up/ management as well as in investing and managing residential real estate. But honestly, my superpower is that I am good with people and numbers, and can explain things using easy-to-understand frameworks. On occasion, I may, with your approval, connect you to counselors who have special expertise in a subject, in order to serve you better. In that selection, I value real-world, proven experience, over formal credentials. Having said that most counselors I refer to, have professional experience in areas like accounting, financial planning, finance, and business.

A: I treat our conversations and any submitted paperwork with the utmost confidentiality. Any notes, printouts, or online questionnaires will get properly deleted /shredded after our engagement.

A: I regularly publish articles on my Facebook and LinkedIn accounts.