Services – Coaching, Financial Planning, Mentoring, Budgeting, Support, Worksheets, Hardship applications, Retirement Planning, Kiwi Saver…..

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 worksheets).

Here are 5 reasons how we can help you with your personal and business finances:

• 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.

You can get the full package to help you, your family and/or your business.

Hourly budgeting and Financial Advice

Charged by the hour, you can just get help with specific areas, be it either with your personal or financial budget planning, hardship applications, 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 in Tauranga, you may be able to get 3 hours of financial advice provided for free. Contact us to find out more. Contact us to find out more.

The “Do it Yourself” Excel Budget Packages.

 You input your own financial data into excel budget worksheets and decide how much follow up contact and advice you would like. Find out more including prices.

Educational Speaking Services and Financial Literacy Seminars to Organizations and schools for your Members/ Students.

Who wouldn’t want to learn about how to get more money, and to be able to keep it and avoid financial hardship later in life, 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 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 get stuck into it straight away.
• I would like to try the “Do it yourself” package. Contact usvia email and we will send you the excel budget worksheet 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 it in more detail how we 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. E.g.

• you have separated
• you have lost or gained an income source
• 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 worksheets to put it all in writing.

Immediate Advice to Address Current Budget Shortfalls or Financial Hardship.

If you are just looking for some immediate personal 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.

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
• Spending more time with your family and friends
• Living in your own home sooner
• Having more clarity and control over your finances
• Guidance in decision making on money matters
• 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 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). 

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
• Planning for your retirement
• 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.

The “Do it Yourself” Excel Budget Packages

For those who prefer to “do it yourself”, we have cheaper less intrusive options:

1. You can order the excel financial spreadsheet 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 $50.
2. You can order the excel financial spreadsheet 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
3. 3. You can order the excel financial spreadsheet 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 $250. .

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.