Questions & Answers

If you have specific questions about money and finance, click on a keyword in the “tag cloud” of article topics in the column to the right. You may also do a search for your topic using the search box at right.

If you don’t find the answer you’re looking for, please click to ‘Ask your own question’.. This will allow you to send a question directly to me and I will respond to you. You may even help inspire a new article for me, so please feel free to ask whatever is on your mind.

  1. What can you do for me?
  2. What kind of advice do you provide?
  3. Why do I need a financial plan?
  4. What steps should I be taking?
  5. Will you try and sell me something?
  6. How much does it cost?
  7. What are your qualifications to help me?
  8. Do I have to be in Shelbyville to work with you?
  9. Who will you work with?
  10. Ask your own question.

What can you do for me?

I want to help you change your financial future by coming along side you and helping you in whatever stage you are in.

Whether you are facing bankruptcy and foreclosure, are completely debt free, or are anywhere in between I can help you prepare a plan that will help you get on a path to a bright future.

No matter what phase of life you are in from a high schooler starting your first job or an experienced adult preparing to retire I can help you establish a budget, choose the right investments and insurance, and save for major purchases.
I will help you dig your way out of a hole, eliminate your debt, prepare for your retirement, protect your investments, and be able to give like you’ve never given before.

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What kind of advice do you provide?

I can help you with:

  • Budgeting
  • Choosing Investments
  • Eliminating Debt
  • Choosing Insurance
  • Estate Planning
  • College Planning
  • Avoiding Bankruptcy
  • Avoiding Foreclosure
  • Avoiding Repossession
  • Handling Creditors
  • Planning for Retirement
  • Planning for Major Purchases
  • Pre-marriage Financial Counseling
  • Living on a Single Income
  • Building Wealth
  • Leaving a Legacy for Your Children
  • Giving Like You’ve Never Been Able to Before

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Why do I need a financial plan?

You don’t want to become a statistic!

  • 70% of wage earners are living paycheck to paycheck
  • Most people could not handle a $5000 emergency without going further into debt
  • 62% of retirees retire on $10,000 or less
  • Financial stresses are a leading cause of divorce in the U.S.
  • 55% of people polled are worried aboutĀ theirĀ finances
  • Financial irresponsibility is the fourth highest cause of discharge from the military

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What steps should I be taking?

There are 7 basic steps to a solid financial footing.

  1. Get a $1000 emergency fund.
  2. Pay off all debt using a debt snowball (except your mortgage).
  3. Get 3 to 6 months of expenses in savings as a full emergency fund.
  4. Invest 15% of your household income into Roth IRAs and pretax retirement savings.
  5. Save for your children’s college education.
  6. Pay off the mortgage early.
  7. Build wealth and give like never before!

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Will you try and sell me something?

What I sell is my time and advice. I don’t sell investments or insurance. I only make recommendations and you always have the final decision on what you do or don’t implement.

How much does it cost?

The initial 30 minute session is free. We’ll take a look at your overall situation and then determine a price based on your particular situation and needs. The full payment is due at the following meeting.

The typical outline is a 2 hour session going over your situation and recommendations. Then there will be 4 months of follow up via telephone and/or email and meetings if necessary. A one hour wrap-up session is also included to make sure you are comfortable moving forward. This is just the typical outline however. I will customize a plan to fit your needs. This is not a one size fits all program.

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What are your qualifications to help me?

My wife and I took the Dave Ramsey Financial Peace course through our church in 2005. We got ourselves debt free except for our home over the next couple of years and have continued to live without the use of debt.

In November of 2009, I took the Financial Counseling course put on at the headquarters of Lampo which is Dave Ramsey’s organization in Tennessee. This course provided me with real world examples of coaching as well as providing me with tools for coaching including access to Dave Ramsey’s counselor and an online community of other counselors.

Between the real world experience of planning our own financial future, and the quality training provided by Dave Ramsey’s organization along with their ongoing support, I feel more than qualified to help anyone on the road to Financial Peace.

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Do I have to be in Shelbyville to work with you?

No. With all of the technology available today, I can work with people all over the U.S. or even around the world. We can connect via conference call, Skype, or web conference. We can definitely meet in person as well if that is your preference.

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Who will you work with?

I will work with married couples, singles, soon to be married couples, college students, and high school students. I do require that both spouses be involved when meeting with married or soon to be married couples however. You can only be successful in this if both parties support the process.

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Ask your own question.

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