We are flexible in
the services we can provide you, but as we are true independent
financial advisors we don’t sell products, we just guide you towards
your personal financial goals
So we like to get to know you personally, and what makes you tick
(unless you prefer to use the do it yourself budget templates).
Here are 5 reasons how we can help you with your money management:
- We work out where you are now with your life, career, business
and personal finances. This allows us to diagnosis which areas
we can help you in
- We work out where you want to go and how to get there, so that
you have your plan to get to your dream close by to keep you motivated;
- We work out an action plan, so you know what your next steps
are to meet your targets;
- We keep in contact regularly to check your progress, so that
you have someone to report back to and discuss any difficulties
with;
- We celebrate your success, so that you can feel good about what
you have achieved and how far you have come
What services do we offer?:
The Full Package
Together we gather the data to determine where you are now with
your finances, where you want to go and from that we work out an
action plan for you to get there. We keep in contact regularly over
the phone and then undertake a personal follow up visit to measure
your improvement. Contact
us to find out more and get a price for your personal and/or
business situation.
The package can help you determine how to save for your first house;
pay off your mortgage early; save for retirement; start a business;
become debt free; save for a trip of a life time….
You can either get a budget, short or full package depending on
how long term you want to look and the amount of time and money
you want to invest in you financial future.
You can get the full package to help you, your family and/or your
business.
Hourly Budgeting and Financial
Advice from our Auckland or
Tauranga Based Financial Advisors
Charged by the hour, you can just get help with specific areas,
be it either with your personal or business budget planning, financial
hardship applications, financial planning, mentoring, goal setting,
career planning, money seminars, investing, debt management, retirement
planning or independent Kiwi Saver advice….. Contact
us to find out more and to get a price.
If you are employed by an EAP (employer assisted program) registered
company, you may be able to get free budgeting. Contact
us to find out more.
Immediate Budgeting Advice to Address Current Budget
Shortfalls or Financial Hardship
If you are just looking for some immediate personal budgeting
advice to get you out of your current financial rut, and not help
to plan for your future, you may just want your budget reviewed
and get some feedback for improvement instead. Contact
us to discuss which is best for you.
If you are suffering from financial hardship, we can help you to
get your money tied up in Kiwisaver or other superannuation funds,
discus whether bankruptcy is a good option for your, and help you
to negotiate with your creditors or provide referrals to community
agencies for more help.
The “Do it Yourself” Excel Budget Packages
For those who prefer to “do it yourself”, we have cheaper less
intrusive options:
- You can order the Excel financial template and input all the
data yourself and develop your own action plan. There is no follow
up service involved. The cost for this is a one off fee of $60.
- You can order the Excel financial template and input all the
data yourself and then get help from a financial coach to interpret
the data and offer feedback, but you develop your own action plan.
You will get follow up reminders as part of the service only.
This cost for this is $180.
- You can order the Excel financial template and input the data
yourself and then get help from a financial coach to interpret
the data and develop an action plan. This version includes a full
follow up service. The cost for this is $280.
Educational and Financial Literacy Seminars to Workplaces, Organizations
and Schools
Who wouldn’t want to learn about how to get more money, how to
keep it and how to avoid financial hardship later in life, from
an independent point of view without being sold anything? We can
deliver topics to suit your audience whether it is to motivate your
members, educate them, entertain them and/or to help them to complete
their own financial or retirement plan. Contact
us to find out more.
So What is My Next Step to get Independent Financial Advice?
- I want to be a client of Full Balance Financial
Coaching, what do I do next? - Contact
us and make an appointment at a time that suits you and we
can get stuck into it straight away.
- I would like to try the “Do it yourself” package.
Contact
us via email and we will send you the excel budget template
once you have made payment.
Find out more including prices.
- I’m not sure, I’d like to meet you first for
a free appointment – No worries, contact
us and we would be happy to meet or talk with you and explain
in more detail how independent coaching can help you with your
personal or business finances.
- I’d like to find out what others have said
about Full Balance Financial Coaching. Hear
what others have said.
Who can Benefit From Independent Financial Coaching?
Everyone can benefit from Financial Coaching regardless of your
situation, although some people need our help more than others!
We see a lot of different people from all types of situations. Some
clients are in financial hardship but most are looking for a mentor
to help them to get ahead with their personal and business finances.
No client is ever the same.
Everyone needs to know the fundamentals of good personal and business
money management and to have a goal in mind to drive them to improve
their situation – If you are lacking in either of these areas, you
will definitely benefit from the service, regardless of your financial
situation now.
To get the most value from the service, you need to be prepared
to make change if necessary and believe in your future. As the saying
goes “If you always do what you’ve always done, you’ll always get
what you have always got”. But it is up to you whether you want
help to make that change. Hear
what others have said.
Alternatively you may be going through change in your life and
need to evaluate your finances and budget. E.g.
- You have taken on too much debt and are facing financial hardship
- you have separated
- you have lost or gained an income source
- you want to plan for your retirement
- you have a new partner
- you’re about to get a mortgage
- your partner has passed away
- you are going to have a new baby
- you have acquired a large amount of money and don’t know what
to do with it
If you already think you are good at budgeting, manage your money
well and have some firm goals in place, you may just want to use
our service to review your plans or purchase the excel budget templates
to put it all in writing.
What Benefits can I Expect From Getting Personal Independent
Financial Advice
There are many benefits from undertaking the services of Full Balance
Financial Coaching. Depending on your circumstances and your commitment
to change, these could be many and varied and include:
- Confidence and knowledge in handling your finances and planning
for your future
- Setting your kids up to be financially successful
- Knowing how much you need to save for your retirement
- Spending more time with your family and friends
- Living in your own home sooner
- Having more clarity and control over your finances
- Becoming mortgage free early in life
- Guidance in decision making on money management
- Retiring earlier and in more comfort
- Increased wealth of life
- Following your dreams
- Increasing your passive income
- Having more money to spend on what you want
- Maximising the use of your personal and financial assets
- Peace of mind that you are doing the right thing
- Becoming debt free sooner
- Feeling more relaxed with less stress and worry
- Identifying and managing your personal and business risk better
- Maximising your Kiwi Saver fund
- Communicating clearly and understanding your partner’s money
habits...
What is My Investment for
Independent Financial Coaching?
You need to be able to set aside some time to meet personally with
one of our Financial Coaches and be committed to paying for the
service. Because we are independent and don’t take commissions we
need to charge a fee, unlike many other financial institutions where
the advice will be free, but not necessarily independent. However
fees are very affordable and there are sliding scales depending
on the package you choose or the amount of hourly advice you need.
Please contact us for a quote or click
here for prices on the do it yourself budget worksheet packages.
We guarantee you will have more clarity and control
over your finances and from the action plan developed you will increase
your financial situation more than your investment in financial
coaching. If after the first hour, you don’t think we can help you,
there will be no charge and we can refer you to other services if
necessary.
Flexible payment plans are available, and once we have reviewed
your current situation we will be able to tell whether you need
time for your budget to settle down before payment if you are under
financial hardship. If necessary you can delay payment and/ore drip
feed it off (not available for the do it yourself services which
have no follow up as part of the package) while getting your finances
sorted.
What Services can an Independent Financial Coach Provide?
Examples of the services we provide that you might need are:
- Analysis of your and your partner's money personality to identify
each of your strengths and weaknesses (What’s
your money personality?)
- Checking your budget balances and provides enough funds for
your day to day living and future plans
- How to develop your idea into a viable business
- Developing a financial forecast and budget for your business
- How to get into different forms of investment
- Retirement planning
- Negotiation on your behalf with debt collectors
- Applying for financial hardship
- Prioritising your bill and debt payments
- Tips on where you can save more money
- How you can generate more income
- How to maximize the use of your personal and financial assets
- What you can do to reduce your financial risk
- Help you get the skills and knowledge to change your career
or get back into the workforce
- Showing you different ways to manage your money day to day
- Changing the way you think about money
- Teaching your kids good money management skills
- How to save money for a house deposit and negotiate a good deal
- Check which benefits you may be entitled to
- Calculating how much funds you will need for retirement
- Explaining the different financial products (e.g insurance,
mortgages, investment, banking)
- Follow up to check you are on track with your goals
- How to make sure you are getting the most from your business
- Analysis of your spending habits
- Independent Kiwi saver advice…
If you need one of these services, contact
us to find out more about how we can help you.
What is Your Money Personality?
Undertake
the financial personality quiz for free to find out what you
and your partners money personality is.
Remember to record your final score for each type and email
us so we can discuss with you for free how your money personality
combination could be affecting how you manage your finances, and
how best to improve (if necessary) any aspects of your financial
management. |
