Services And Cost

My goal is to give you the skills, knowledge, and clarity necessary to help you feel better and more confident when managing your daily personal finances (i.e. household finances or consumer finances).

I provide guidance, as needed, through education, consulting, counseling, and personal advocacy, in relation to your own finances and the financial industry. Please see below for more details.

Financial Education

Teach you.

  • Help you have a better understanding of your current financial situation and how your own personal finances work.

  • Teach you how to start managing your personal finances on your own, especially if that is now your new role.

  • Provide some general insight on how the financial industry works to help you navigate it with more ease and less stress/anxiety.

  • Help you increase your financial skills and knowledge.

Financial Consulting

Provide consulting and give you my advice based on my education and work experience in multiple areas of the financial industry.

  • Help you get your finances simplified, prioritized, and organized so they work more efficiently for you.

  • Analyze your income, expenses, and spending habits.

  • Help you create a spending plan that aligns with your goals and values.

  • Help you create a plan to increase your savings for unexpected expenses.

  • Help you create a plan to reduce or eliminate your debt.

  • Help you understand how a credit report works and behaviors that improve it.

  • Help you consolidate small accounts such as retirement plans from former employers.

  • Help you transfer accounts from owners to beneficiaries.

Financial Counseling

Work on the mental and emotional areas of money.

  • Help you clarify your financial goals and values.

  • Help you understand and work through the beliefs, attitudes, feelings/emotions, and habits you have about money and how they may be impacting your financial decisions.

  • Help you understand the difference between wants and needs in relation to spending money.

Personal Financial Advocacy

Be an advocate for you when you may not know how to, or when you may not feel comfortable being an advocate for yourself.

  • Helping you talk with financial professionals as well as financial industry-related professionals such as those who work at:

    • banks/credit unions

    • credit card companies

    • investment and brokerage firms

    • retirement plan companies

    • student loan companies

    • life insurance/annuity companies

    • trust companies

    • tax/accounting offices

    • law offices

Services I do NOT provide:

  • I don’t sell any financial products

  • I don’t invest your money

  • I don’t place trades or provide brokerage services

  • I don’t give specific investment advice or build investment portfolios

  • I don’t provide comprehensive financial planning

  • I don’t provide retirement planning

  • I don’t provide tax advice or accounting services

  • I don’t provide legal advice

  • I don’t provide bankruptcy assistance

  • I don’t prepare estate planning documents or comprehensive estate settlement services


Why? Because several other firms in the Bangor area and throughout Maine already offer these services and I am not licensed in many of those areas.

How It Works

Step 1 - We’ll meet on Zoom for a free consultation to make sure this is the right service for you.

Step 2 - If we determine this is the right service for you and you’d like move forward, then I will give you required documents (client brochure and a privacy policy) and we’ll sign a client contract.

Step 3 - We’ll begin the financial work which will include:

  • determining what your current financial situation is and some of the factors that have led you to this point

  • discussing where you’d like to be, financially, and what you’d like to achieve during our work together

  • and determining the most efficient way for you to reach your financial goals

Nervous about sharing financial matters with me that you may feel embarrassed, shame, guilt, anxiety, or fear about?

Please be assured, I will listen without judgment; and with a caring, compassionate, and empathic ear. Further, everything you tell me will ALWAYS remain confidential. I know you may be hurting inside in regard to your money, and I genuinely just want to help you feel better.

COST

$100 per hour, calculated on a quarter-hour (15 minute) basis. 

For example, a meeting that is one hour and 7 minutes long would be $125 (Calculated: $125 = $100 for the hour + $25 for the quarter hour).

You will be charged at the end of each meeting and you are only charged for the time we spend together. There is no charge to you for work that I do outside of our time together. Fees are negotiable.

Spend more time doing the things you love and less time worrying about your finances.