Financial Clarity and Confidence Counseling Program - Installment Payments (5 pmts of $125.00)

$125.00

This package will provide families with clarity, control, and confidence in their finances through structured guidance, education, and an actionable plan.

4–6 sessions over 6–12 weeks

Format

60–90 minute sessions
Virtual or in-person
Email + resource support between meetings

Deliverables

You’ll walk away with:

Custom family budget
Financial snapshot & health ratios report
Defined short-, mid-, & long-term goals
Written Financial Action Plan
Checklists + templates to help you keep up the momentum

Payment can be made in full, or can be broken out to be paid evenly before each session. Paid in full option is a discounted option.

This package will provide families with clarity, control, and confidence in their finances through structured guidance, education, and an actionable plan.

4–6 sessions over 6–12 weeks

Format

60–90 minute sessions
Virtual or in-person
Email + resource support between meetings

Deliverables

You’ll walk away with:

Custom family budget
Financial snapshot & health ratios report
Defined short-, mid-, & long-term goals
Written Financial Action Plan
Checklists + templates to help you keep up the momentum

Payment can be made in full, or can be broken out to be paid evenly before each session. Paid in full option is a discounted option.

📚 Session Breakdown

Session 1 – Financial Discovery & Baseline

Goal: Understand the family’s financial reality + priorities.

Discussion Focus

Family situation + values
Pain points + stress areas
Income + expenses
Debts + assets
Current systems (or lack of)

Tools Used

Intake Questionnaire
Spending Snapshot Worksheet
Values + Priorities Exercise

Deliverable

Initial Financial Profile
Homework: 30–60 days spending download or tracking

Session 2 – Budget Design & Cash Flow Plan

Goal: Build a realistic budget that supports the life they want.

Discussion Focus

Review real spending vs desired spending
Zero-based? Envelope? Reverse budgeting?
Savings + sinking funds
Irregular income planning (important for military families)
Emergency fund strategy

Tools Used

Budget Template (Excel, Sheets, or app)
Cash Flow Automation Guide
Sinking Fund Planner

Deliverable

Custom working budget
Cash flow automation plan

Session 3 – Financial Health & Ratios

Goal: Help families understand how healthy their finances are.

Discussion Focus

Net worth review
Debt breakdown
Financial stability metrics
How they compare to benchmarks

Ratios You Can Use

Debt-to-Income Ratio
Savings Rate
Emergency Fund Months
Housing Ratio
Consumer Debt Load

Deliverable

Financial Health Report
Risk + Strength Summary
Priority Focus List

Session 4 – Goal Setting & Strategy Mapping

Goal: Translate finances into meaningful, motivating goals.

Discussion Focus

Short-term (1 year)
Mid-term (1–5 years)
Long-term (5+ years)
Trade-offs + timing
Military considerations (benefits use, retirement planning timing, transitions)

Tools Used

SMART Goal Planner
Goal Cost Calculator
Milestone Timeline

Deliverable

Written Goal Plan
Funding Strategy for Each Goal

Session 5 – Action Plan & Implementation

Goal: Turn everything into a simple, doable system.

Discussion Focus

Step-by-step financial roadmap
Automation + systems
Debt payoff strategy (snowball / avalanche)
Savings + investment ramp-up
Insurance & protection review (education only, not sales)

Deliverable

Written Financial Action Plan
90-Day Implementation Roadmap

Session 6 – Follow-Up & Accountability

Goal: Make sure progress sticks.

Discussion Focus

Wins + challenges
Adjust budget or goals as needed
Reinforce habits
Long-term support options

Deliverable

Adjusted plan
Ongoing Support Recommendation