Spending Plan –  Here you receive more than a monthly budget. Clients are provided with a “spending plan” designed around how income is received into your household to ensure timely payments.  Spending Plans contain strategies to establish emergency funds, increase credit scores, and eliminate debt.

Minimizing Taxes –  According to the IRS, more than 80% of taxpayers have too much money withheld from their paychecks. For those who qualify, we show you how to keep more of the money you make in your household by “correcting tax withholding”. Additionally, for small business owners, we provide a system to help ensure proper recordkeeping and take advantage of all eligible deductions to lower taxes. The system also helps you to be IRS compliant.

Eliminating Debt –  Many clients come overwhelmed with debt without a plan to escape the debt-trap.  The “spending plan” takes into consideration debt owed and maps out reducing and ultimately eliminating the debt and adding more income to the household.

Minimizing Expenses – Random spending oftentimes adds to the vicious debt cycle. By actually taking a look at where money is being spent and making slight adjustments, this can become a valuable source of additional income.

8-Step Cashflow Plan –  The best way to get from Point A to Point B in your finances is to have a roadmap, a GPS.  This is a simple 8-step plan to help chart your path to financial stability.

Credit Restoration – This item was placed last on the totem pole because everything above impacts the credit restoration process. In order to maintain good credit after “restoration”, all of the above needs to be in the works.  It is a dual process to restore and maintain good credit.