Individual Finance Consulting
Our individual finance consulting is targeted toward individuals who want to keep control of their finances. If you are already in a financial bind, we can help you out, but you will want to check out our Revamp your Personal Finances page. We aren't a company that will just punch numbers into an equation. We will look at your situation, and determine how we will make everything work and put you in the best situation to succeed.
- Budgeting
We will help you create a budget, and help you create safeguards to make sure you stay within that budget. Despite what many people believe, budgeting is not as simple as it may seem. Everyone has different priorities and different variations that can sometimes cause major changes in a budget from month to month. We will work on trying to foresee those changes so they are not a complete surprise when they do arrive. Many self employed individuals don't know how much they are going to make, and this is what makes monthly budgeting interesting. We work with you to create a budget that will work for you while making sure you are putting enough money in several key areas that most people simply forget about when creating their budget.
- Establish Good Credit
The credit score has become the single most important score in an individual's professional life. Whether you think that is fair or not is a topic for heated debate, but the fact is, it is a very important number. Many employers look up credit scores when job candidates apply. Car insurance companies use credit scores as a method for setting premiums. Obviously banks and credit card companies almost entirely base their lending on the credit score of the applicant. We can help you establish a good credit score and make sure you keep it, even if you don't use credit cards for daily purchases.
- Get the Bank and Credit Card Fees Reversed
The average American family paid $427 in bank and credit card fees last year, and with the credit card issuers hiking up fees before the new legislation goes into effect, that number is expected to be much higher this year. We understand how to negotiate these fees with banks and card issuers and have been very successful in the past in getting many fees reversed. We are able to use that high number to your advantage to get the banks to reverse the fees. Many people are simply too lazy to call the bank and ask them to waive the fee. So let us do that for you. We will also help you to make sure that you don't get charged that fee again, because the bank might not be so nice the next time.
- Retirement Planning
We will spend the time to learn about your finances to help you decide where to put your money for retirement. Should you put your money in a 401(k), 403(b), Roth IRA, Traditional IRA? There is a reason why there are so many options, because some options are better for some while not for others. Some people aren't even allowed to use some of the retirement vehicles. We will look at your finances and determine what the best option(s) is/are for you. Most financial services institutions claim to offer this advice, but they really just want to sell you their retirement vehicle. Since we don't have a retirement vehicle, we are able to give you complete, unbiased advice.
- While these are the main services we offer to individuals, it is definitely not an exhaustive list. If you would like help with a different sector of your financial life, let us know and we will see what we can do.
- What we do not do: