I teach individuals and families that budgets do not work!

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A lot of times, I run into people who have challenges controlling their money.

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They find themselves…

• Living month to month, paycheck to paycheck

• Struggling with Debt - credit cards, car payments, mortgage, student loans, etc…

• With no savings, no emergency fund, no insurance, no investments, no college funds, no plan for retirement, renting a home, etc…

• With no written goals… and their dreams are long gone - sad!

• Coping with stress, worry, frustration, fear, etc…

• Not having taught their kids about money… or they have taught kids by poor example. My experience is that kids don’t listen, but they do watch us to learn!

• Having “Money Fights” – 50% divorce... & 90% say money is #1 fight

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You may have tried to budget, but have found that “budgets", much like “diets”, have not helped. Budgets don’t work because they restrict & eliminate choices and control -- instead of allowing people to experience the freedom and abundance you deserve when you manage and direct your money with a Spending Plan.

 

What I do is help you develop and work with a written Spending Plan. Experience the structure and control you need to become successful at managing money. With the right education, tools, and resources, I  help you move forward financially.  I offer Help & I restore Hope!

 

You can manage money well and make choices that allow you to move toward...

Financial Well-Being:

• Having control over day-to-day and month-to-month expenses.

• Having the capacity to absorb a financial shock.

• Being on track to meet financial goals.

• Having the financial freedom to be able to make the choices that allow one to enjoy life.

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Do you want to get well?   What are you waiting for? 

 

Schedule your free Initial Consultation today!

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I am passionate about helping people improve their personal financial situations.

 

A former Vocational Instructor with over 20 years of experience. I have worked as a blue-collar retail manager.  I discovered a calling to help people who struggle with personal finances.  Over 20 years of research, training, and experience working with people on their personal finances, including 12+ years of experience all over the United States, working with thousands of military National Guard and Reserve personnel and family members who have served our country.

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From one-to-one and couples counseling, to small group presentations, to large group presentations... I can help you put together a plan to improve your financial position.  I strive to help people along the path to Financial Well-Being.

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Nationally Accredited by "The Association for Financial Counseling and Planning Education" 

An "Accredited Financial Counselor" upholds the highest standards of professional knowledge, skill, and ethical conduct.

Exceeding the standards for certification and membership into the 2026-27 biennium.

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