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If for any reason you are not fully satisfied with our service, contact us for a full refund.

FUTURE STARS

This plan is for individuals that are ready to learn the science of mastering money. We will teach you how to handle money wisely and avoid getting into debt. You will learn why it is important to start planning your future at an early age. If you want to take control of your destiny by making intelligent financial choices, this plan is for you.

Topics include:

• Establishing financial goals

• Creating a workable action plan

• Purchasing items with cash
• Building an emergency fund
• Investing for retirement
• Checking your credit report annually

• Importance of identity theft insurance

• Purchasing items that go down in value (i.e. cars, boats)

• Preparing for the future, i.e. college, marriage, children, house

You also receive:

• A two hour initial counseling session
• One - 1 hour follow up session

• A custom made Excel budgeting workbook

• Three months of limited contact through email and phone

MOUNTAIN CLIMBERS

This plan is for individuals that need help getting out of debt. This plan was designed to teach you a proven way of how to eliminate debt and build wealth. You will learn the importance of sacrificing short term pleasure for long term financial success. If you are stuck in a rut and need help climbing out of a mountain of debt, this plan is for you.

Topics include:

• Establishing financial goals
• Creating a workable action plan
• $1,000 emergency fund
• Debt Elimination
• How to deal with creditors
• Checking your credit report
• How to fix a discrepancy on your credit report
• Importance of identity theft insurance
• How to wake up old debt

You also receive:

• A two hour initial counseling session
• One - 1 hour follow up sessions
• A custom made Excel budgeting workbook
• Three months of limited contact through email and phone

Most clients are able to get out of debt in less than 2 years (not including the house).

TREND SETTERS

• Establishing financial goals
• Creating a workable action plan
• 3-6 Month emergency fund
• Paying off house early
• Investing for retirement
• Writing a Will
• Planning for kids
• Saving for Kids College
• Checking your credit report
• Understanding insurance (auto, house, term life, disability, long-term care, and identity theft)

You also receive:

• A two hour initial counseling session
• One - 1 hour follow up session
• A custom made Excel budgeting workbook
• Three months of limited contact through email and phone

STAYING TOGETHER

Money is the #1 cause of marital problems. This plan was designed to help Engaged and Newlyweds start their marriage making sound financial decisions. Starting a new life with someone can be challenging without having to deal with money problems. This plan will help couples become one, by managing their money as a team.

Topics include:

• The 2 shall be one
• Your debt is my debt
• How to build a life together
• How to make decisions with a win/win attitude
• Nothing else matters
• Establishing financial goals
• How to work as a couple on the budget
• Creating a workable action plan
• How to cash flow your wedding
• Debt Elimination
• Checking your credit report
• Importance of identity theft insurance
• Purchasing items with cash
• Building an emergency fund
• Investing for retirement
• Preparing for the future (i.e. college, marriage, children, house)

You also receive:

• A two hour initial counseling session
• One - 1 hour follow up sessions
• A custom made Excel budgeting workbook
• Three months of limited contact through email and phone

SPEAKING ENGAGEMENTS - Financial Straight Talk from T.H.A.T

This workshop is for anyone who would like to learn the secrets to financial freedom. It encompasses all of our counseling services (i.e. Future Stars, Mountain Climbers, Trend Setters, and Staying Together). You will learn how to make smart purchases with cash, create a realistic monthly budget, discover ways to decrease your monthly expenses, explore ways to increase your monthly income and learn how to make decisions as a couple with a win/win attitude. Give us a call if you are interested in hosting an event. We will be happy to provide you with more information. 

HOURLY RATE SESSIONS

If you have a special situation that doesn't demand a full counseling plan, then our hourly rate may be the ideal solution just for you. You will have the opportunity to ask questions pertaining to your unique situation. This session is also great for clients needing a refresher course. 

PHONE COUNSELING

We can provide counseling sessions over the phone for clients that are not located in the surrounding area. You will need access to a computer, internet, MS Excel, phone, and a quiet meeting place where you will not be disturbed for several hours. If married, your spouse will also need to attend the session.

HOW OUR SEVICE WORKS

• Call and set up a FREE 30 minute consultation with one of our counselors
• We will email you a questionnaire to fill out and send back to us before your scheduled appointment 
• After your FREE 30 minute session, your counselor will recommend a plan that fits your needs
• You have the option to accept or decline our recommendation

• After accepting our recommendation, you will then be given a chance to make a payment