Frequently Asked Questions

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Below are answers to some frequently asked questions. If you have a question not answered below, please feel free to contact us.

Our Financial Coaches have the heart of a teacher and we will educate and empower you. We’ll provide the framework, tools, and additional knowledge to help you make good decisions about your finances and to put together a solid financial plan. Ultimately, you will put together and implement the plan, make decisions about your personal investments, and work with insurance or other licensed professionals as needed. This empowerment means you’ll be able to work with these professionals from a point of power – because you’ll understand the terms, concepts, general options, and the potential pitfalls.

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Financial Peace University (FPU) is an excellent program and we highly recommend it. Understand though that it is developed for “the masses” and every person’s situation is unique. Many people who have gone through FPU still work with coaches to help further educate them on various topics, and to walk with them through the process of putting together – and implementing – a solid financial plan. There are also many people who like having a Financial Coach available over an extended period of time because, well, things change almost constantly and having a professional to touch base with on a regular basis can help keep your financial plan on track.

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We do coordinate Dave Ramsey Financial Peace University (FPU) courses several times throughout the year. If you are local to the Charleston area and would like to participate in one of our groups, feel free to reach out to us on the topic. Also know that our clients can attend FPU at a special discounted rate, so speak with your coach about this if you are interested.

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Our Financial Coaches are Dave Ramsey trained but not employees of Dave Ramsey. We are also part of the Ramsey Solutions program with special access to certain staff and resources if necessary to help provide quality coaching services to clients. While every clients’ situation is unique, we do start with the basic framework and principles outlined in the Total Money Makeover (the “baby steps”) – and we then adjust the specifics as needed to address client-specific situations.

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Financial Coaching is more affordable than most people realize – an hour of time is less than the average household spends on a cable TV bill; and isn’t your financial fitness worth at least as much as your TV time?

Also, understand that Financial Coaching is less expensive than the cost of credit counseling or bankruptcy. (Many people don’t realize that either of those can run as high as $2,000.) Statistics also show that money problems are a top cause of marital issues, including divorce, and that addressing your financial situation can have a tremendously positive impact on your relationship. The cost of Financial Coaching is very small when considering all the benefits of financial fitness and having a solid financial plan for your household.

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Our Financial Coaches require that any requested paperwork or documentation be completed and returned at least two (2) business days prior to scheduled coaching session appointments. This allows the Financial Coach to review the information and be prepared to make the most effective use of the meeting time – and makes sure you get the best value without having to spend any time reading material and analyzing things during the live meetings.

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When you schedule a free consultation with one of our Financial Coaches you will be sent a short coaching agreement that helps set expectations properly, and also a personal financial snapshot form. The personal financial snapshot includes information such as name, age and occupation of each spouse, amounts of income, savings, and debt, and questions to clarify your top concerns that you would like to have prioritized as a focus. This is a very basic form and does not take very long to complete – but is necessary for the Financial Coach to understand your situation and guide the initial discussion.

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Our coaches only “sell” and charge for the actual coaching services provided. We do not sell insurance, investments, or related financial services. A financial coach will educate and guide you to understand your options and make good decisions on whether to handle certain items on your own, or to work with a licensed professional to address a specific need.

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If you are local to the Charleston South Carolina area, and would like to meet in person, we can discuss some options to support your request. Most people though prefer to engage in financial coaching sessions from the privacy and comfort of their own homes – with the meetings taking place via easy-to-use online video conferencing. This allows the most flexibility and convenience for you since there isn’t any travel, potential babysitting, or gathering and transporting your financial information.

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Financial coaches perform very different roles from investment advisors. Investment advisors will recommend specific investments and portfolio mixes, and generally execute those trades for you. They will often also manage the investment account for you over time. Financial coaches will educate you on terms, general principles, common industry practices, and related topics. They will also help you learn how to evaluate different investment options for yourself. The goal isn’t to do the work for you but rather to educate and empower you to understand investing and make better decisions related to your finances.

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We require that both spouses be involved in the coaching process. Experience and statistics show that for a couple to have success with their financial planning, both parties need to be involved and participate. This needs to be a team effort so you should sit down in advance to have a discussion and get commitment on working together toward financial freedom and your shared goals and dreams.

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Are you ready to get financially fit?

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