In your household, does the money run out before the month runs out?
Do you have any credit card debt, or other consumer debt?
Do you ever question whether your retirement fund is ‘enough’?
Do you have any questions about these financial products: money markets, certificates of deposit, mutual funds, Roth IRA’s, traditional IRA’s?
Would you like to know how to accumulate 3-6 months of “expenses” in your savings account?
Do you have questions about which type of life insurance to buy?
Do you ever feel stressed about your personal finances?
Have you ever been ‘turned to collections’? Did you know how to handle that?
Could you use help budgeting?
Do you believe the statistic that at least 7 of 10 marriages that are ‘in trouble’ cite ‘financial pressures’ as a chief problem in the marriage?
If you answered “Yes” to any of the above questions, we can help you find sound financial solutions.
Our Mission is to personally train you in financial matters so as to renew your hope and put you on a path to financial freedom.
Budgets & Beyond
Joyce Thomas
Financial Trainer
Who We Are:
We are financial counselors trained by The Lampo Group (Dave Ramsey) in Nashville, TN. The Lampo Group is the leader in providing comprehensive Personal Financial Counselors. We do not sell any financial products, but rather are trained to educate consumers in different areas of personal finance.
What We Do:
We meet with clients, gather financial information, analyze that information and provide recommendations for how to improve a client’s financial portrait. Some of the areas of finance that we cover are:
Budgeting & Cash Flow Planning
Saving Money & Savings Accounts
Retirement & College Planning
Understanding Insurance Products
Myths about Debt
Dealing with Collectors/Collection Agencies
Fair Debt Collection Practices Act
Foreclosures & Forebearances
Bankruptcies
Investment Guidelines
Estate Planning
Giving
Why We Do This:
We recognize the staggering and alarming statistics for business and personal financial problems in our society. We know that these problems affect our everyday lives, and we know that our economy faces a dismal future unless we each one learn to live ‘within our means’. We desire to teach others how to change their spending behaviors and to organize their finances to do just that. In turn, we can show you a way to live in financial freedom like you may never have dreamed possible.
What Do You Need To Do?
Set a counseling appointment.
Make arrangements to pay for your appointment in full prior to the appointment.
Gather information that we ‘assign’
and return it to us prior to the session.
Attend the session.
Act upon our recommendations.
How We Do What We Do:
We will equip you with a kit of financial tools to use in the process of improving your financial portrait.
We will organize all your financial information, work out a budget with and teach you how to really use a budget, make recommendations for debt resolution, savings plans and retirement.
We will provide limited backup counseling above and beyond the initial, in-depth counseling session, while you learn to apply the skills we have taught you.
We will recommend a 13-week class where you will be given many more tools for improving your financial portrait.
FINANCIAL SELF-QUESTIONNAIRE
