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How will BDF
Financial Counseling
help? |
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What do I need to do to
prepare for the initial counseling
session? |
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Who can benefit from the services
BDF Financial Counseling
offers? |
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What should I expect at the
initial counseling session? |
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I'm married. Can I attend
the counseling session without my
spouse? |
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Do you offer any investment
or insurance products? |
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Do you give legal,
accounting, tax, or other professional
advice? |
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What forms of payment do
you accept? |
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Do you have a refund
policy? |
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What if I cannot afford
financial counseling? |
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How will BDF
Financial Counseling
help?
We will focus on your
specific goals and needs. As we create
an open dialogue about your finances we
will help with the following:
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Establishing
financial priorities
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How to
establishing an emergency fund
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Creating a
cash-flow/budget plan that really
work
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Setting up the
"debt snowball"
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Dealing with
creditors
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Saving for
significant purchases
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Credit report
evaluation
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College/retirement
planning
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Evaluating insurance
needs
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Teaching about
investing
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Tithing/charitable
giving
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What do I need to do to
prepare for the initial counseling
session?
Before the session takes place, complete
the Excel form found on the “Forms” link
or we can send you the financial forms
to complete. This will give us a
picture of your current financial
situation (income, equity, budget, and
debts). Once we have reviewed your
situation, we will call you to set up a
time to meet. |
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Who can benefit from the services
BDF Financial Counseling
offers?
Our counseling services are designed to
meet the needs of singles, single
parents, married couples, and families -
from the financially secure to those in
financial crisis, from newlyweds to
couples in retirement, and anything in
between. |
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What should I expect at the
initial counseling session?
During the initial counseling session,
which will last between 2 and 3 hours,
we will go over, in detail, your
financial situation, asking you
questions that will clarify your current
details and will aid in formulating your
financial plans. For most clients, this
includes a plan for spending your income
on paper to meet your goals, suggesting
ways to cut costs and developing a plan
to get out of debt. Since each session
is tailored to the client's specific
needs, we will spend our time discussing
topics specific to your situation.
Based upon the items discussed and
agreed upon in our session, together, we
will come up with a written set of
action items for you to complete. |
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I'm married. Can I attend
the counseling session without my
spouse?
In order for us to get the clearest
picture of your current financial
situation, both husband and wife must to
attend the counseling sessions. Our
experience has shown us that unless both
spouses are committed to doing what it
takes to win with money, our counseling
will have limited success. We
have made exceptions due to unique
situations. |
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Do you offer any investment
or insurance products?
BDF Financial Counseling does not sell
any insurance or investments products.
If you are interested in finding a Dave
Ramsey Endorsed Local Provider for any
of these products, visit
www.daveramsey.com. |
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Do you give legal,
accounting, tax, or other professional
advice?
No. We are not lawyers, accountants,
nor tax attorneys. For anyone needing
legal, accounting, or other professional
advice, we recommend that you seek the
services of a competent professional who
is licensed in the particular area of
interest. |
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What forms of payment do
you accept?
We accept personal checks, money orders,
and cash. Payment should be made at the
end of the initial counseling session.
You will receive a written receipt. |
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Do you have a refund
policy?
BDF Financial Counseling
has a 100% money-back guarantee on our
counseling services. If you are not
satisfied for any reason, simply notify
us
before the end of the first month. |
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What if I cannot afford
financial counseling?
This is a legitimate question. If your
financial situation is such that you
feel you can't afford the counseling fee
to learn how to become debt-free and
build wealth, then you desperately need
to book an appointment with BDF
Financial Counseling. You can't
afford not to!
Financial counseling is truly an
investment in your future. Through the
counseling process, you are given tools
that will help you save money and get
out of debt. You will be able to see a
solid return on your investment in just
four months or less.
We have found
through experience that people not
willing to make the small sacrifice
necessary to begin financial counseling
are likely not willing to put forth the
effort needed to improve their financial
situation. |
