BUSINESS & PERSONAL FINANCE STEWARDSHIP

This section equips clients with clarity, structure, and better decision-making in their personal and business financial lives. These services bring stability, awareness, and long-term improvement in financial posture.

Personal Finance Organization

$1,500 – $6,500

For individuals who feel disorganized, unclear, or overwhelmed by their financial life and need structure, transparency, and clarity to make better decisions.

This service creates a clear, organized, understandable financial picture, even if the client has never been organized before.

Description

Most people struggle financially not because they don’t earn enough but because they don’t have clarity on what’s coming in, what’s going out, what they owe, and what their obligations actually look like. This service creates a clean, structured, well-organized view of the client’s financial life, including income, obligations, debts, recurring expenses, risks, and opportunities.

It helps the client see:

  • what’s working,

  • what’s hurting them,

  • what needs to change,

  • and where their money is going

  • A structured “Financial Snapshot Overview”

  • Recommendations for improving clarity and reducing overwhelm

  • Guide for monthly review and tracking

    The goal is to transform chaotic finances into something calm, structured, and predictable.

Deliverables

  • Intake and data gathering

  • Categorized list of all income sources

  • Categorized list of all expenses

  • Mapping of obligations (recurring or variable)

  • Summary of debts and responsibilities

  • High-level organization of financial documents

Budgeting & Cash Flow Stabilization

$1,250 – $5,200

For clients who want to gain control over their spending, stabilize their monthly financial life, and avoid periods of stress or lack of funds.

Description

This service builds a practical, realistic budgeting and cash-flow system tailored to the client’s actual lifestyle—not a restrictive or unrealistic plan.

The goal is to help clients understand their predictable financial patterns, avoid surprises, and structure their money so they are never caught off guard.

This creates financial stability, not just a budget.

Deliverables

  • Practical budgeting framework

  • Month-by-month cash flow plan

  • Spending categorization template

  • Recommendations for reducing unnecessary costs

  • Cash flow pattern assessment

  • Customized financial calendar (due dates, cycles)

  • High-level strategy for managing inconsistent income

  • Ongoing use guidelines

Credit Profile Stewardship

$1,800 – $8,500

For clients who need a stronger, more credible credit profile to support future personal or business financing opportunities.

Description

This service analyzes the client’s credit posture, explains the factors affecting their score, identifies areas for improvement, and provides a structured action plan to raise or stabilize their credit. It focuses on credit positioning, not credit repair, ensuring the client is seen favorably by lenders.

Deliverables

  • High-level review of credit profile components

  • Identification of weak areas and improvement opportunities

  • Explanation of score factors in simple terms

  • Recommendations for improving credit posture

  • Credit-building strategy guide

  • Understanding credit utilization and reporting cycles

  • “Credit Stewardship Report” summarizing recommendations

Debt Awareness & Planning

$1,200 – $6,000

For clients who want clarity, organization, and a practical strategy around their debt, instead of feeling overwhelmed or confused.

Description

Debt Awareness & Planning structures all the client’s debts into a clear, manageable picture and creates a strategic plan personalized to their income, expenses, and goals. This helps the client move from uncertainty and anxiety to clarity and control.

Deliverables

  • Organized debt inventory (all accounts mapped)

  • Interest rate analysis

  • Minimums vs. effective payments assessment

  • Short-term payoff prioritization

  • Long-term payoff planning

  • Risk-level awareness based on debt types

  • High-level recommendations for restructuring or optimizing

  • A “Debt Strategy Summary”

Financial Decision Guidance

$1,000 – $4,200

For clients who want support making smart financial decisions—personal or business—without overthinking or guessing.

Description

This service provides structured guidance on financial decisions such as purchases, investments, commitments, risks, and opportunities.

We help clients evaluate options through a calm, structured lens, identifying pros, cons, timing factors, and risk considerations.\

It creates better judgment, fewer mistakes, and clearer thinking.

Deliverables

  • High-level review of financial questions or decisions

  • Pros/cons breakdown

  • Timing considerations

  • Risk-level alignment

  • Priority organization

  • Recommendation summary