~ It's all about what you keep, not what you make. ~
Your first step starts here! Objective Financial Coaching provides budget-coaching services for families that want to transform their financial situation but don’t know how or where to begin. Successful money management starts with a sound budget. True to our name, we are here to help you look at your financial situation objectively and begin the process of reaching your goals.
Get fired up! Live debt free!
Objective Financial Coaching offers free 30-minute consultation created to get you to your next step.
- Review your current situation
- Understand your goals
- Discuss how to achieve them
- Covered California Health Exchange
Adapting to something new can be a challenge. We are here to help you understand how the Affordable Care Act impacts you and your family, and help you make the best choices possible. We have gone through many hours of training, workshops and exams directly through Covered California. We are now certified and registered as a insurance agent for Covered California.
- Personal Financial Coach
Talking about money isn’t always easy. We can help you go beyond your fear and emotions by looking at your situation objectively. Then we work together to create a customized plan that you can stick to and see the results of your efforts. Unlike most "Financial Planners/Advisors", we do not sell investments, annuities, life insurance, or any other financial products. This leaves us free to be entirely objective with our advice, looking out for your best interest and making sure there is consistency and accountability.
Learning how to budget, eliminate debt and plan for the future is a process. During our 3-month and 6-month programs, we help you learn these life-changing skills and together we create a personalized plan for you to reach your financial goals that are specific to your situation.
Coaching sessions are done face-to-face. Coaching by phone or Skype available upon request.
- Financial Tune-up
Once a year financial review may be all you need to make sure your financial plans are on course. As life happens your goals may have changed or you may need to re-evaluate when and how you will reach those goals. We will assess your financial plans and current situation and objectively analyze whether your plans are still on track or need to be adjusted.
- Premarital Financial Counseling (4 Weeks or 8 Weeks)
~ It is an investment in your Happily Ever After. ~
Our program is for those Engaged Couples that want to ensure their marriage WILL succeed because of early financial talks and having a solid foundation right from the start. They want to develop strong problem solving skills with the guidance of a financial educator and get feedback on how they are handling situations. Some of the things we will work on are learning about your spouse's "Money Language", creating mutual financial goals, deciding on who should manage the money, division of finances (second marriages with children) and many other topics that will help you create a financial foundation for marriage success.
- Group Financial Coaching (9 Weeks)
Our group coaching is a unique approach of blending weekly meetings in a small group environment and individual attention through financial counseling with one of our coaches (not a coordinator). Each group is limited to three couples or five individuals.
- Lower cost per couple/individual compared to personalized coaching.
- Ability to speak directly to a coach who will help you gain deeper understanding with any of the materials shared during the weekly meetings.
- A customized financial plan will be created at the end of the period for each couple/individual.
Our principal Financial Coach, Melin Isa, is a Certified Dave Ramsey Counselor and holds a Chartered Retirement Planning Counselor designation through the College for Financial Planning. She recently became a Certified Insurance Agent for Covered California Health Exchange to help her clients prepare for the upcoming changes with the enactment of the Affordable Care Act.