Financial Coaching Information Form (as of 22-Oct-2010) Page 1 of 12 Candeo Financial Counseling / Eric and Heather Viets
Financial Coaching
Thank you for inquiring about Candeo Financial Counseling's financial coaching service.
I (Eric Viets) am a certified Dave Ramsey financial counselor in Lynchburg (servicing
Lynchburg, Charlottesville, Roanoke, and surrounding areas) who assists individuals and
couples with their finances utilizing Dave Ramsey’s financial principles. My wife, Heather, is
present, when she is available, to offer an additional counseling perspective. I have worked
with a wide spectrum of people: from clients who believe they are facing bankruptcy, clients
who are wanting to use their money more effectively, to others who are building wealth who
wanted to fine-tune their financial plans.
My services include:
Assistance with Budgeting
Career Planning
College Savings Planning
Financial Crisis Management
Goal Setting
Home Purchase Planning
Investment Strategies
Retirement Planning
Teaching Clients How to Handle Creditors
Total Debt Elimination
Understanding what Drives Your Money Decisions
Working Through Relational Issues Involving Money (for couples)
On the following pages are some questions you may have about the financial coaching
process.
After the questions and answers, there is a Financial Coaching Intake form for you to fill out
and send back to me. This form is for me to learn about you, your goals, how I can assist you,
and whether the services I provide are a good match for what you need. If they are a good
match and you choose to hire me, the next steps are to decide which financial coaching
package you prefer from the options outlined below and then to schedule our first session
where I dig into your financial details and help you form a personalized plan.
If you have any questions that are not addressed, please e-mail me at [email protected]!
Financial Coaching Information Form (as of 22-Oct-2010) Page 2 of 12 Candeo Financial Counseling / Eric and Heather Viets
* Do you use Biblical principles?
Our financial coaching is based on Biblical principles. We believe that God owns all
things and He has entrusted us to manage the resources He has given to us. Therefore, the
ultimate goal of money management is to glorify God. He shows us how to manage money
successfully in his Word. We assist by making God's principles for money management
applicable for your life.
* Why should I consider financial coaching services?
Whether you are a business owner or you just need a little help organizing your
household budget, we can help. Our financial coaching services provide you with one on one
assistance in your area of need. Some clients just want to learn how to budget their money and
plan for the future while others desire to eliminate debt and restore peace to their home.
Whatever your situation may be, we would love determine how our coaching services can
benefit your life.
* Do you sell financial products? Do you provide loans? Can you locate free money?
We do not sell financial products, provide loans of any kind, or find monetary
assistance for our clients. We are not affiliated with any company that sells any financial
products. The above allows us to be completely unbiased in the advice we give you regarding
your financial, investment, and insurance decisions.
* Can you guarantee that my financial outlook will improve after going through your
program?
In every classroom, there are students who spend hours soaking up the material and
putting it into practice outside of class; additionally, there are students who do not spend any
time studying and implementing the material outside of the classroom. It is obvious which
students will benefit from the class.
While financial coaching is not a class, we do provide a great deal of information.
We have found that the clients who take the information and put it into practice greatly gain
from the coaching relationship. Those who do not implement the principles or follow the
directives do not gain as much from the experience. You are in charge of this process. You will
succeed if you put in the work and make a commitment to grow.
* What are some of your success stories?
Please see our Testimonial Page for former client testimonials.
http://www.candeofinancialcounseling.com/testimonials
* Many of my friends are in need of these financial services as well. Is there a group rate?
Our financial coaching services are specialized to your specific needs; therefore we do
not allow others into the sessions since your personal information will be thoroughly
discussed. Because of this, there is no group rate for the one-on-one financial coaching
packages.
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Additionally, we are contractually bound to only see married people when both
spouses are present. Financially coaching one spouse without the other is often
counterproductive and can cause unnecessary division in the home. For married couples,
finances are a team effort and all members of the team must be present before we can proceed
in the process.
* My business associates could use this service. Do you provide financial coaching services
to businesses?
Whether an individual or a business, money management principles apply to both
worlds. We can help business owners evaluate their financials and formulate a plan to reduce
costs, increase retained earnings, and develop financial models for their business.
* I’m unhappy in my current job, but my dream job pays significantly less. Can financial
coaching help me to make my budget work on a lesser salary?
Absolutely! We strongly believe that people should love their work. Even if you take a
pay cut to start what you love, you will still likely make more money in the long run doing the
work that fulfills you most. We would love to help you adjust your budget to accommodate
your passion in life.
* I have recently lost my job and our family has to readjust our budget. How can your
services help us?
Many families are in the process of readjusting their household budget during this time
in our country. This can seem like a dead end road, but it does not have to be hopeless. We can
help you comb through your budget and brainstorm ways to readjust your savings and
spending. We can also help you consider other money making ideas that can add money to
your budget and bring peace to your life. We can come along side you and help walk you
through this difficult time.
* My marriage is suffering due to money fights and money problems. Can you help us?
Money fights and money problems is one of the leading causes of divorce. There is so
much stress added to the family when finances are not in order and it takes a toll on a
marriage. We completely understand this and we will be glad to help you and your spouse
work through this difficult time in your finances. Finances can also be a symptom of a deeper
issue in your relationship and finding and resolving the root of the problem can not only help
your finances, but it can also help your relationship to thrive.
* I’m single and trying to make my budget work. How can your services benefit me?
We would love to help you set up and perfect your budget. It can be difficult to set up
and stick with a budget when you do not have someone with whom to be accountable. We all
need that accountability, especially when we are making a significant life change, and we are
more than happy to extend our services to you.
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* I’ve recently come into a large sum of money. Can you coach me on how to incorporate my
money into my life without it taking over my life?
There is great wisdom in seeking counsel from those who are wise with their money
when a windfall is upon you. Money gained in large sums quickly can be overwhelming and
can create strife and a lasting family burden. We will sit down with you and help you come up
with a plan so that your money can bless your life for years to come.
* I’m recently divorced and my budget has significantly changed. How can your services
benefit me?
Divorce takes a toll on many areas of life and finances are no exception. In fact, finances
can be one of the most stressful parts of a divorce. We can look over your monetary situation
and help you plan and adjust your budget to your new income. We know the process of
divorce is very difficult, even without the stress of figuring out a new budget and financial
plan. Because of this, we will be happy to come along side you and help you start on the right
foot.
* I want to start thinking about saving for retirement. How can your services benefit me?
Retirement seems so far away for most of our lives and then it is upon us. Saving and
investing for retirement is a must! We do not sell financial products, but we can help you plan
for when to start investing and we can give you guidance as to what type of investments to
pursue.
* I’m interested in purchasing a coaching package for someone else (my child, spouse,
friend, etc.). How may I go about paying for the service?
We can meet with the party interested in receiving our coaching services and can accept
payment from you. However, since this service is confidential, we will not be able to discuss
the client’s information with anyone outside of the coaching sessions. Additionally, we have
found that clients benefit most from this service when they pay for it. We recommend that
those who want to financially help someone go through the coaching process reimburse the
clients after the last coaching session, or that the client pay for at least half the coaching fee.
The financial coaching process requires willingness to change and we have found that clients
who pay for the service receive more benefit from it than clients who received a complete
scholarship up front.
* Someone I love is in desperate need of financial coaching but he/she is not willing to seek
financial services. What should I do?
Taking the step to seek coaching services is a big step. People who gain the most from
coaching services are those who are willing to change – not just in word, but in deed. Clients
can come and sit through sessions, but they rarely receive the rewards of the process if they
feel they were reeled in against their will. Feel free to mention our website to them and let
them check out what we offer on their own. When they own the process, they will gain so
much more than if they were coerced or manipulated into seeking help.
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* How much does Candeo Financial Coaching cost?
We care about our clients, so we want to make sure that they have received the
assistance they need to take the principles we teach and form a financially healthy future. We
have tried various session schedules and packages. We have found that this process often
takes at least three months to solidify the principles into motion for long-term benefit.
Therefore, we do not have a single session rate for financial counseling. Instead, we have
created a package that we have found benefits our clients the most.
We offer a three month support package with four one-hour sessions:
Session 1 covers topics that will explore your current financial behavior, improve
communication with your spouse (if married), lay out a life-long financial plan in
detail, and answer questions related to your specific situation.
Session 2 is where we investigate your personal financial details and help you
form a personalized cash flow plan.
o Some clients elect to have Session 1 and 2 back-to-back so they can get a
jumpstart on their finances.
Session 3 includes reviewing your finished cash flow plan, tweaking where
necessary, and understanding what drives your money decisions.
Session 4 dives into understanding investments and reviews the essential
elements of a good life-long financial plan.
In sessions 3 and 4, there will also be time for you to ask questions and get answers
about your current financial situation, relational issues with money, career questions, or any
other topic you would like to discuss about money.
Additionally, this package includes unlimited e-mail support. If you have a question
about handing your personal finances, feel free to send me an e-mail and I will be glad to
answer it. My goal is for you to learn and implement; you will get thorough answers.
So, how much is this financial coaching package? Some of our clients have come to
us who have spent over $5,000 with debt consolidation agencies - and never even received any
assistance from them. Bankruptcy and bankruptcy lawyers also cost thousands of dollars (We
have had clients who thought they were bankrupt, but not who were truly bankrupt). We
want to assist you at an affordable price:
For individuals and couples, the package is only $395. For businesses, it is only $795.
Most of our clients, however, prefer to have additional support and accountability, so
we also offer an additional month and session (four month support package). For individuals
and couples, it runs $460; whereas, for businesses, it is $925.
Payment is due in full at the beginning of Session 1. We do not accept payment plans
because we do not want to become one of your creditors - it changes the coaching relationship.
Are you ready to make changes in your life and become financially healthy?
We can show you how.
(Note: All product information, service information, and prices are subject to change without notice.)
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* What do I do now?
On the following pages, you will find our Financial Coaching Intake. If you (and your
spouse, if applicable) are interested in our financial coaching program, the individual,
couple (both people), or business owner should completely fill out a copy of the intake.
Please scan and e-mail back to [email protected] or mail a copy of the form(s) to:
Eric Viets / P.O. Box 11423 / Lynchburg, VA 24506
If mailing, please send me an e-mail when the Intake form has been mailed.
I will get back to you on the same day of its receipt.
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Financial Coaching Intake Date: ______________
General Information
Name: ___________________________ Male Female Date of Birth: _____________
Address: __________________________________________ Phone (home): ________________
__________________________________________ Phone (cell): ________________
E-mail: ___________________________________________________________________________
Marital Status: ______________________________________________________________________
Children (List child’s name, sex, and age for each child you have, if any):
Occupation: ___________________________________ Company: ________________________
Current Employment: Full Time Part Time Homemaker Unemployed
Retired Student (degree level, area of study: )
Highest Level of Education: Approx. current household income?____________
How satisfied are you with your job?
Place a check mark beside any descriptions of what you are currently experiencing, if any: o Anxiousness
o Confusion
o Despair
o Guilt/Shame
o Distress
o Depression
o Fear
o Thoughts of Suicide
o Withdrawing from Others
o Parenting Struggles
o Anger
o Loneliness
o Hurt
o Distance from God
o Relational Stress
If you checked any above, please explain:
Do not write below this line
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Financial Background
What is important for us to know about your finances (history and current)?
Do not write below this line
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Goals of Coaching
Please list three goals you want to accomplish during financial coaching:
1.
2.
3.
Topics of Discussion
Please list three topics you want to make sure to discuss during financial coaching:
1.
2.
3.
Spiritual Background
Discuss your spiritual background, current spiritual practices, and importance you place on
spiritual matters.
Family Background
What is important for us to know about your family (current or history)?
Do not write below this line
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Additional Questions
How familiar are you with Dave Ramsey and his principles?
How can we help improve your life/lives?
What are your goals (tangible, emotional, etc.) through the financial coaching process?
Do you enjoy reading? If so, what are you reading currently?
How would you measure success in our relationship in this financial coaching process?
Meaning, what evidence would be there at the end where you would say,
"I am so glad that I engaged in that financial coaching process!"
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Goal Setting
Give some examples where you set specific goals and accomplished them.
Where do you want to be five years from now - and how can I help you get there?
What do you specifically want to have accomplished three months from now -
and how can I help you get there?
In this process, we will assign reading and out of session assignments. Do you have the
willingness and time to complete them?
What would you like me to do if I see that you are not completing your assignments, are
getting off track, or are losing steam?
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Closing Questions
Motivation
Are there any "non-negotiables" (items that you are not willing to give up in your financial
plan [e.g., private school, extra-curricular activities, hair appointments, etc.] if the issue arises)?
How motivated are you to learn a new process and make changes in your life?
Timeframe
When are you looking to start the financial coaching process?
Referenced By
How did you hear about Candeo Financial Counseling?
Questions about Candeo Financial Counseling
Do you have any questions about Eric and/or Heather? If so, what are they?
We look forward to walking with you and helping you create a bright future!