To My Girlfriends offers 2 different levels of financial advice.
- The first is to the individual or couple and
- The second is to the small business owner.
I would love to help you get started on your financial journey or work with you on the journey you have started.
For the individual or couple:
- 1-on-1 financial counseling
- Cashflow tracking worksheets
- Budget worksheets
- Follow up meetings to keep you on track
- Review of your current situation
- Unbiased financial advice
- Tax consultation
How The Process Begins
We either meet in person or have a telephone consultation to determine your needs.
We discuss your immediate concerns and I can offer some immediate advice to alleviate a pressing situation.
I will evaluate your WHOLE situation outside of the meeting and will present an unbiased financial solution in writing prior to the follow up meeting.
All advice is personalized to YOUR situation.
For the Small Business Owner (start-up or established)
- Initial Consultation to assess needs
- Review of Business Plan or assistance in preparing one
- Assessment of Marketing Plan
- Tax consultation
- Ongoing counseling
Here are words from a few of my satisfied clients:
Financial questions that I have can overwhelm me because if you go to a search engine to find an answer you have to wonder about the credibility or translate finance jargon.
If I head over to my bank for answers it looks like a full on commitment to some sort of advisor program, when I just want an answer.
That is why I am glad I have Jennifer on my side! She is seriously a “girlfriend’s guide,” so to speak, to personal finances and budget.
Recently, I considered cashing in a mutual fund to cover the rest of the balance we have on my husband’s truck. Yes, it would have freed up a few more dollars a month. However, was it worth losing the mutual fund or the taxes that we would have paid to withdraw from the fund?
This is where my expertise, or lack thereof, came to a complete stop!
I admit, I probably let the decision roll off my priority list as I could not figure out the best thing to do.
Well, the best thing to do was ask Jennifer! I sent her a little message about my dilemma and she immediately responded with a clearly understandable solution with fresh considerations.
The biggest thing that spoke to me in her recommendation was the need to examine that in the case the truck were to be paid off, where would the money normally put towards the payment end up. Since the truck payment was already budgeted, it was safer to say that the money would continue to be accountable, as opposed to using it on frivolous, untracked purchases if available.
What a clear way of thinking that I needed to hear to move forward with a decision! I had a simple chat with a girlfriend that happened to be about not-so-simple topics of mutual funds, taxes and debt.
That down to Earth, applicable approach only means I will be back for more guidance on personal and business accounts.
My husband and I walked into Jennifer’s office, we were newly married and in debt, way, way, over our heads. Not only did we have joint debt, we had individual debt, that we came into our marriage with.
Jennifer spent hours with us, building a personal relationship, estabilishing trust, expressing heartfelt interest, and teaching us the fundamentals of what it takes to build financial security.
Our debt exceeded what a (substansial) debt consolodation loan would cover, we had nothing in savings, and had one, very small, investment account.
We cut up our credit cards that day, and walked out of Jennifer’s office feeling a sense of well being and safety.
Jennifer assured us, through her experience and her confidence in us, that all would be well.
It didn’t stop there. Jennifer followed up with us continuously, leading us the way we needed to go, strengthening our finances as they grew.
Five years from that first appointment we were completely debt free, with thousands of dollars worth of investments.
My husband and I will be married 14 years in December. We have three children. We continue to live a completely debt free life and Jennifer is the reason we were put on that track.
We are forever grateful for her.
I would like to say how happy my husband and I are that we are using Jen for financial advice.
Jen is knowledgeable in the area of debt management and has been integral in helping us achieve our financial goals.
She has provided realistic suggestions, offered different types of programs for us to consider and frequently checks with us to see how our progress is going.
She is professional, non-judgmental, and comforting in helping us achieve success.
Having known Jen for almost 20 years, I can say that we trust her implicitly and would wholeheartedly recommend her to anyone.
Jen helped us to get back on track. She worked with us to identify budget concerns and resolutions, short term and long term financial goals, and provided peace of mind for where we were headed in our financial future.
Thanks to Jen, we learned how to fix our budget and are now on track to cash flow college for our youngest in a few years.
It’s an empowering feeling telling your money where it’s going, instead of tracking where it went.
Before meeting with Jen, I think my wife and I were both overwhelmed; now we feel much more in control of our financial plan.
~William S. and Maria S.
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