©2016 by TruFreedUm Financial Coaching. Proudly created with Wix.com

(210) 920-5353

Schertz, TX, USA

Personal Package – A budget is an itemized summary of likely income and expenses for a given period (either 30 days, quarterly or annual).  It provides a concrete, organized, and easily understood breakdown of how much money you have coming in and how much you are letting go.  It’s an invaluable tool to help you prioritize your spending and manage your money—no matter how much or how little you have.

Planning and monitoring your budget will help you identify wasteful expenditures, adapt quickly to a constantly changing financial landscape, and achieve your financial goals. Ironically, creating a budget will decrease your stress levels because, with a budget, you are better prepared to address those unexpected surprises when “life happens” to us.  Unexpected vehicle repairs, healthcare expenses or that dream vacation your family wants to take?  With a budget, you don't have to panic or wonder if you have the money—you already know. 

Package Levels

BRONZE - $310 (3 month service)

 - Basic Cashflow/Budgeting Plan                          -  1 office visit                                                           

 - Financial Goal Setting                                          -  2x 30 min phone call

 - Short Term Savings Plan                                      -  Email Q&A

 - Insurance Counseling     

 - Loan Counseling (Auto/Home/Personal/Student)             

GOLD - $620 (6 month service)   *******BEST VALUE*********

 -  Includes ALL features of the previous plan         -  2 office visits

 -  Debt Management Planning                                -   4x 30 min phone call

 -  Credit/Repair Management Planning                  -  Email Q&A

 -  Comprehensive Financial Review

PLATINUM- $1390 (9 month service)

 -  Includes ALL features of the previous plans        -  4 office visits

 -  Bankruptcy Counseling                                          -  6x 30 min phone call

 -  Foreclosure Counseling                                         -  Email Q&A

DIAMOND - $1860 (12 month service)

 -  Includes ALL features of the previous plans         -  12 office visits

 -  Investment Planning Counseling                           -  Unlimited 30 min phone call

 -  Retirement Planning Counseling                           -  Email Q&A

 -  Wealth Building Counseling

 -  Estate Planning Counseling

MONTHLY RETAINER OPTION - $150 or $1800 (Lump Sum) (12 month service)

- Includes ALL features of the previous plans and UNLIMITED access to TFFCs Professional Referral Network at no additional cost!!!  Professional service providers fees for services will be separate from TFFC.

***Note (1): This option requires an automatic transfer be setup from your bank checking account or debit card to TruFreedUM Financial Coaching.  Account information will be provided.

***Note (2): This plan can be terminated once agreed upon goals are completed.  This plan can be terminated once the guaranteed 1 year period is reached.  This agreement can continue beyond the 1 year guaranteed term without completing renewal paperwork.

***Note (3): Specific discounts may apply.  Ask a TFFC representative for more information.

                *******Book appointment under "Book Online" page to confirm your package purchased*******

Business Package – In the early planning phase of your startup or during the normal daily operations of running your business, a budget is a valuable tool.  Similar to a personal budget, a business budget is a vital tool to success in starting and operating a business. A properly prepared and updated business budget serves the following purposes:

(1) Plan Start-up Needs for Your Business Plan. 

(2) Get a Business Loan.  

(3) Plan Your Spending. 

(4) Know Your Required Profit. 

Package Levels

                                 

BRONZE - $1082 (3 month service)

This package is for the individual who is considering starting their own business or desires to become an entrepreneur, and don't where to begin or where to go to for help.

This package contain the following:

(1) Developing a business plan for your Start Up or Small Business                         3 Office Visits

      -  Developing a Basic Cash Flow/Budgeting Plan                                                2 - 30 min Phone Call 

      -  Create Business Goals                                                                                         Email Q&A  

      -  Establish a Mission/Vision Statements and a Marketing Plan

(2) Properly registering your Business with your resident state

(3) Selecting the proper Business structure

(4) Applying for an Employer or Tax Identification Number with the IRS

(5) Selecting a Business name and Logo

GOLD - $2165 (6 month service)    *******BEST VALUE ********

This package is for the solopreneur, entrepreneur, or business owners who has recently started a business, but is still less than one year in existence.

In this package we will work with the business owner and show them how to lay the foundation to proper plan for and scale their business for explosive growth.

This package includes ALL features in the previous package, plus the following:

(1) Identifying and Understanding Your Value vs Pricing                                             6 Office Visits

(2) Properly Branding Your Business                                                                              4 - 30 min Phone Call

(3) Engaging and Understanding Your Target Market Using Social Media                Email Q&A

(4) Identifying and Understanding Your Leadership Style

(5) Improving Your Business Sales and Revenue, Processes, Procedures and Techniques

(6) Understanding Your Business Financial Statements

PLATINUM- $3245 (9 month service)

This package is for those small businesses that have been in business between 2 - 3 years

This package includes ALL features of the previous package, plus the following:

(1) Assisting the staff with Change Management initiatives                               9 Office Visits 

(2) Helping the staff to Create, Plan and Implement a new strategy to             6 - 30 min Phone Call  

streamline policies, procedures and structure for overall maximum efficiency | Email Q&A

(3) Analyzing Project Management initiatives using standard industry practices

to bring projects to completion on time, on schedule and on budget

(4) Assisting Business Owners with Identifying and Selecting Financing Options to help grow their business

DIAMOND - $4325 (12 month service)

This package is ideal for the Business Owner who desires to energize his management teams with Leadership and Management skills, and Team Building training.

This is a Stand Alone package, and does NOT include any of the previous packages. 

The following is included:

(1) Provide Leadership and Management Development training for Entry,                12 Office Visits

     Middle and Executive Levels                                                                                       Unlimited 30 Phone Calls 

(2) Identifying Your Leaders DISC Personality profile, and Understand How               Unlimited Email Q&A

     to Effectively Utilize It To Improve Overall Employee/Organizational Performance

(3) Creating, Leading, Managing and Implementing Change Within Your Organization

(4) Understanding How To Communicate Effectively

(5) Motivating Your Teams or Employees For High-Level Performance

 

MONTHLY RETAINER OPTION - $350 or $4200 (Lump Sum) (12 month service)

- Includes ALL features of the previous plans and UNLIMITED access to TFFCs Professional Referral Network at no additional cost!!!  Professional service providers fees for services will be separate from TFFC.

***Note (1): This option requires an automatic transfer be setup from your bank checking account or debit card to TruFreedUM Financial Coaching.  Account information will be provided.

***Note (2): This plan can be terminated once agreed upon goals are completed.  This plan can be terminated once the guaranteed 1 year period is reached.  This agreement can continue beyond the 1 year guaranteed term without completing renewal paperwork.

***Note (3): Specific discounts may apply.  Ask a TFFC representative for more information.

     

 

 

 

 

     *******Book appointment under "Book Online" page to confirm your package purchased*******

Group Package –Groups consist of 8 - 12 members who would like to attend a 7 week Financial Boot Camp class.

 

 

              *******Book appointment under "Book Online" page to confirm your package purchased*******

The below specific financial areas are combined into either our Personal or Business budgets packages listed above to provide a wide variety of custom coaching to meet your financial goals.

Business Management Analysis – Refers to research analysis that identifies business needs and determining solutions to business problems. Solutions typically include a software-systems development component, process improvement, organizational structural change, strategic planning and policy development.

 

Credit Management – This involves (1) building credit, (2) managing credit, (3) improving your credit scores, (4) understanding your FICO score.  Credit has become an interesting part of an individual and business financial wellness.  Our company’s stance is to meet our customer’s and support them where they are.  However, we do not support the cultural thinking that building credit through debt is vital to financial wellness.

Bankruptcy Coaching – Allows us to help clients that have trouble keeping up with bills and find themselves spiraling out of control with debt that seems impossible to repay. We are here to offer a lifeline, to help them get a handle on their debt, while developing a plan that can get them back to a healthy financial position.

 

Debt Management – Uncontrolled debt usually leads to a stressful burden that affects your health and relationships. If you feel your debts are out of control or you are seeking ways to prevent your current debt situation from negatively impacting your credit score, our debt management plan (DMP) offers an effective and safe way to find relief.  Our trained coaches will help you identify the most efficient way to pay off your debt and work with your creditors to establish repayment plans that make the process more manageable. 

 

Home Mortgages – Our coaches are trained and understand the myriad of mortgage loan options that potential home-buyers have available to them.  If you are a first-time homebuyer or you just want to get a better understanding of the best type of mortgage available to you, then let us help you.  Acquiring the “American Dream” will be a major part of your wealth building strategy, so don’t leave it chance.  Our coaches provide professional and objective recommendations, and we “always keep your best interest in mind.”

 

Loans – For those looking to consolidate their debts to either reduce their monthly debt payments or lower their overall interest payment, but you are not sure which type of loan is best for your situation. Is a personal loan the best option? Will a home mortgage loan or line of credit be better, because I can write of the interest on my taxes?  If this is you then contact our coaches and they will assess your current situation and provide you with realistic options to put you on the path to financial wellness. 

 

Insurances – The primary purpose of insurance is to “transfer risk.” The journey called Life brings exciting twists and turns, and occasionally a few potholes, speed bumps and detours, as well. Protect what you already have acquired and value most by making sure you have insurance coverage that makes sense for you at every stage of life’s journey as you continue to build wealth.  Allow us to tailor your insurance by ensuring you have your “insurance basics” covered.

 

Investment Coaching –Life is a journey, not a destination. Your investment philosophy should include your specific goals, tolerance for risk, and timeline. We prepare a detailed plan to get you where you want to be and when you want to arrive. TruFreed-Um Financial coaches provide sound financial advice, complete independence, and unbiased guidance with your interests, benefit and financial future in mind.  When it comes to investing, at TruFreed-Um Financial Coaching we recommend following this primary, time honored KISS rule: Keep It Simple Stupid!!!

 

Retirement Planning – When discussing retirement, individuals have several options when it comes to investing money for retirement such as Traditional or Roth Individual Retirement Arrangement (IRA), 401k, 403b, 457, Simplified Employee Pension (SEP) Plan and Thrift Savings Plan (TSP) for the military and government employees. At TruFreed-Um Financial Coaching we will help you construct a retirement plan to ensure that you maintain a comfortable lifestyle, minimize taxes and continue to build wealth.

 

Wealth Building Building wealth over time depends on the successful execution of three steps: 1) maintaining enough income, 2) saving an adequate portion of that income and 3) investing what you save prudently. TruFreed-Um Financial coaches will work to help you construct a plan and diligent execution of that plan.

 

Estate Planning –  When you're developing a plan for your estate, it's important to understand your entire financial picture. That's where we come in. Working with your tax and legal advisors, we will help coordinate your investment strategies to help ensure that your plan reflects your wishes for your legacy. The process entails anticipating and arranging, during a person's life, for the disposal of their estate. Estate planning can be used to eliminate uncertainties over the administration of a probate and to maximize the value of the estate by reducing taxes, maintaining beneficiary designations, and organizing your financial documents. TruFreed-Um Financial Coaching understands the importance of estate planning and can advise you in gathering the information you will need to work with your estate planning attorney.

Foreclosure – A home is almost always an individual’s largest asset, so its loss can have a traumatic emotional effect on everyone who lives there.  Neither our coaches or company has any involvement in the foreclosure process, but we offer to coach our clients who may find themselves either heading into this legal process, currently in this process, or recently coming through it.  This legal process allows a secured note-holder to sell secured property when the owner falls behind on their payments.

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