Will using your services hurt my credit?
No.  I simply charge for my time to teach you how to handle your finances.  I don’t communicate with your creditors or the credit bureaus.

Can’t I just handle my finances by myself? 
Absolutely.  There is no reason why you can’t take care of your finances by yourself. Unfortunately in this culture most of us haven’t been taught how to handle money wisely.  The information that I teach can be found in books, radio shows, and television programs.  However, I can provide insight into your specific situation and give your personal accountability with your financial decisions. 

If I use your services, who decides how my money is spent?
Your money is still your money.  I’ll teach you how to make wise decisions but ultimately the choice is up to you. 

Do you sell any financial products?
No.  I don’t sell insurance, investments or real estate.  I don’t receive commissions on anything.  I simply charge a flat fee for my time and advice.  People that sell financial products are not bad.  In fact, you should have trusted quality financial people in your life.  However it is very wise to learn about different financial products from someone who doesn’t have a vested interest in your decisions.  You can rest assured that you will get a completely unbiased description of investments, insurance, etc. from me! 

Will this counseling have an impact on my marriage?
I hope so!  I’m not a marriage counselor nor am I married.  Therefore I don’t have much advice to give in that area of life!  However, money fights and money problems are the #1 cause of divorce in America.  When a couple gets a little bit of cash between them and life their stress levels go down.  When a couple can sit down and agree on their spending habits, they are agreeing on what is important in their lives.  Communication with your spouse will increase and life will be much better with no financial skeletons in your closet!

How do you accept payment? 
I do not accept credit cards.  I accept payment by check or cash.  Payment is due on or before the day of the initial counseling session. 

Do you offer any guarantees? 
I truly believe you will succeed financially if you follow the advice I give.  I can’t guarantee how passionately you will follow the suggestions I give, nor can I guarantee what will happen in your  personal life, or what the financial markets will do.  However if you are completely unhappy with the advice you receive, I will refund your consultation fee in full.  The refund will not be given until the 6 months of email support has taken place, and 6 monthly budgets must be submitted to me to ensure you are taking my advice seriously.