Take the first step to the rest of your life.

Welcome to Financial Impact’s custom private program,

one-on-one financial coaching with

Holly Morphew, live and in-person.

Take the first step to the rest of your life.

Welcome to Financial Impact’s custom private program, one-on-one financial coaching with Holly Morphew, live and in person.

With this program you will...

Stop the Paycheck to Paycheck Cycle

Eliminate Your Debt

Streamline Your Spending

Put Your Dollars to their Highest and Best Use

Create Passive Income

my goal

To create a more dynamic and fulfilling future for you, your relationships, your career, and various other domains of your personal and professional life where your finances play a role.

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With this program you will...

Stop the Paycheck to Paycheck Cycle

Eliminate Your Debt

Streamline Your Spending

Put Your Dollars to their Highest and Best Use

Create Passive Income

my goal

To create a more dynamic and fulfilling future for you, your relationships, your career, and various other domains of your personal and professional life where your finances play a role.

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Did you know?

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72% of Americans experience stress stemming from money worries such as not being able to pay bills, unmanageable debt, living paycheck to paycheck, or simply wanting passive income.
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And what’s more is that more than 57% of adults in the US are STRUGGLING with personal financial issues. If this is you, or you know someone feeling financial stress keep reading!

Hi! I'm Holly, an award-winning financial coach, entrepreneur, and speaker. My unique background in business, real estate, and finance give me a broad perspective to map your path to wealth, regardless of where you start. I have more than a decade of experience as a Certified Financial Health Counselor and Accredited Financial Counselor®, and your success is my success. I help you tap into your existing resources, unique skill-set, and personal interests to increase your income, eliminate debt, and live a life of design. 

 

 -  Holly Morphew, Financial Coach to Career Driven Leaders & A-List Entrepreneurs

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What results can you expect from this program?

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Enjoy life now and later

This program is specifically designed to save you thousands of dollars in interest, while at the same time increase your cash flow and earnings! This results in a double-whammy swing in the positive direction! In fact, many of my clients make back their investment within 6 months of completing their program.

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Those who

  • Want to get to the next level of their career or in life
  • Are earning a decent income but are still living paycheck to paycheck
  • Feel their current way of living isn’t sustainable and want the ability to slow down yet still have a high quality of life
  • Want to buy a house, invest their money, or create passive income
  • Aren’t sure if they are putting their money in the right place
  • Aren’t sure what financial move to make first, or next
  • Those who want to start their first business
  • Entrepreneurs who want to explode their business
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Those who

  • Are afraid to take action or don't know the best steps to take action
  • Have no desire to know where they are financially
  • Want to get rich quick
  • Think they already know everything about building wealth
  • Don’t want to change their habits to create a more sustainable life
  • Aren't open to having an honest dialog about their behaviors and aren't open to receiving help
  • Not willing to put the hard work in

The program, your finances, and everything we discuss are strictly confidential.

Financial Impact is a safe place with no judgment.

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What's Included In The Program

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Get a simple system to manage your finances in less than one hour a week! Think of this as the foundation of your financial house. Eliminate paper, save time, keep receipts you need and toss the rest, automate your savings, investments, debt repayment, and bills. If managing spending is a challenge (or you're overspending), we'll solve that as well. Gone are the days of "balancing a checkbook" and "the envelope system." Get a free online tool to manage and track spending plus an easy-to-use cash system that has the convenience and consumer protections of a credit card. 

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Starting with where you are now, and taking into account your monthly expenses, income, debt, financial goals for the next 1-2 years, desired lifestyle, and spending, I will help you maximize the utility of your dollars so they go to their highest and best use. Many people aren't sure where to put their money each month to make the most impact. Retirement? Savings? Debt? Investments? How much should go to what? Re-allocating a little bit of money from one place to another can make a big difference!

 

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Your monthly cash flow statement includes your expenses and income, and I will have this ready for you at our first meeting. This is the first step to streamline spending, find leaks, and redirect any extra dollars that can go toward paying off debt, emergency savings, investments, travel, or something else you desire! We will review this each time we meet, and I will send it to you after each meeting so you can update and edit as you want. You will also be able to compare your spending in categories such as housing, utilities, transportation, personal, and entertainment to local and national averages. 

 

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This is simply a statement of what you own (your assets) and owe (your liabilities). While it doesn't have an immediate impact on your personal finances, it is a good indicator of your financial health over time. 

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Before our very first meeting I will have ordered your debts for you, and based on your Impact Factor (TM), you will know to the exact day you will be debt free! There is a strategy to getting out of debt fast, and it is NOT to pay more than the minimums on your debts each month. Whether it's student loans, credit card debt, business debt, car loans, or personal lines of credit, you can eliminate your debt, regardless of how much you have! We will also evaluate alternative options, such as debt settlement, if it makes sense for your situation. 

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A must know for preparing to get a loan such as a car loan, business line of credit, personal line of credit such as a HELOC, or mortgage. We will discuss what is a healthy debt to income ratio, how it affects your overall finances, and what ratio you need to qualify for a loan. 
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Your credit report analysis includes a complete review of the information in your credit reports. I'll help you understand what information in your reports is contributing to increasing or decreasing your score, what things you can do to increase your score, and what, if anything, should be deleted from your reports to protect your good standing. 

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If there are errors, duplicate collections, or negative information you don't recognize in your credit reports, I will write letters to Experian, TransUnion, and Equifax on your behalf to have this information deleted. By law, if the entries cannot be validated they must be removed. This can have an immediate, positive impact on your credit score. 

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Another important component of loan qualification and financial health, your D/C ratio is the amount of debt you have compared to your overall credit. I'll tell you which debts to pay down, and by how much, in order to increase your ratio. This has an immediate positive impact on your credit score, as well as your ability to qualify for a loan. 

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In today's competitive housing market, it's imperative your finances are in order to qualify for a loan (and often-times, an apartment rental). This is simple when you know what to do, and it doesn't just mean having enough money! Qualifying for a loan is a delicate balance of credit, income, debt, employment, and savings. I will walk you step by step through what lenders require for a loan, and help you position yourself to qualify when you're ready.

 

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Once you've created wealth, you must protect it! In this module, we put the roof on your financial house so to speak. Here we'll discuss insurance, taxes, estate planning, separation of personal and business assets and liabilities. If desired, I'll refer you to the resources and professionals you need to put these important pieces in place.

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A big reason this program is so successful is because it creates massive awareness around money. We live in a consumer driven society and receive thousands of messages daily specifically engineered to get us to buy. Combine this with the absence of financial education, and the massive marketing and advertising budgets of large companies, it's no wonder many people struggle with spending and creating wealth.

 

This program is a simple, step by step system that will reprogram how you think about money, impacting the daily decisions you make around money, and therefor making a positive impact on your finances.

 

Ignorance is not bliss when it comes to money, and every day is an opportunity to proactively manage your personal finances to create wealth. My goal is for you to advance up Maslow's Hierarchy of Needs from survival and security to meeting needs such as love, self-esteem, creativity, spontaneity, problem solving, confidence, and lack of prejudice.

are you ready to get started? it's as easy as two steps.

Step One

Step Two

the program

We will meet over three months via Zoom, a free online meeting platform. You'll receive an invitation from me via email prior to each meeting. Simply click the link to sign on.

 

While this program is strategic and results-driven, there is plenty of time for organic conversation and questions. Many people also find it beneficial to talk about their relationship with money and how it plays a role in where they are now and where they want to go when it comes to their money.

 

Prior to our first meeting I'll collect information from you via a private and secure portal. This allows me to begin creating your action plan, wealth strategy, identify your Impact Factor, and order your debts. 

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At our first meeting I will have already prepared your wealth strategy, cash flow statement, and ordered your debts based on information you supply. Don't worry I'll give you a list of what you need when you register! We'll discuss your goals and anchor everything we do in your program to them. We'll also cover how to manage your finances in less than one hour a week, look at your spending, and talk about mindset as relates to your money. At this point you will get online tools and resources to save money, manage spending, increase income, earn passive income, and automatically trim bills.

 

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By this week you'll be using a free spending tracker so we can now compare your actual spending to your projected spending. It's up to you to decide where you want to trim spending if that's important for you, and we'll look at local and national averages in certain categories.

Your debt crush plan will go into action this week, and you'll know to the day you will be debt-free! We will also determine what is the "right" amount to put in your emergency savings and how to put it on auto-pilot until it's fully funded. 

 

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In this session we will discuss your credit reports and how to increase your score (if applicable). In addition, we'll look at your loan preparedness and make sure you positioned to qualify if/when when you need one. 

 

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This is when it really gets fun! Here we discuss creating passive income based on your current resources, unique skill-set, and personal interests. We will also ensure your wealth is properly protected from an insurances, legal, and tax perspective.

 

I want to express my commitment to having this program be a significant breakthrough in your personal finances and personal development. I offer a full money-back guarantee.

If at the end of your program (three months from the date of your first payment or 12 meetings, whichever comes first) you feel you didn't have a positive financial outcome you may get a full refund.

"Holly’s private program gave me the understanding of where I am and where I want to be with a more clear direction of how to get there."

- Scott L.

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are you ready to get started? it's as easy as two steps.

Step One

Step Two

Master Your Finances

Financial literacy for all ages. Financial coaching for life stages.

The Financial Impact System is a simple, proven system that has helped thousands of people crush debt, create massive cash flow, get their financial house in order, prioritize goals, and make an immediate and powerful impact in their personal finances.

My coaching will give you a clear path to financial freedom starting with where you are today. "Everyone, regardless of where they begin, can achieve financial freedom." This is my philosophy and testimonials show it's true.

We start with where you are today to create a powerful and immediate financial impact.

Do you want to buy a home, a second home, or an investment property? Do you want to pay off student loans or credit card debt? There is a strategy to getting out of debt fast. Watch How to Make a Financial Impact to learn more.

Do you want to stop living paycheck to paycheck, save more, increase yoru credit score, or know where to save to get the highest return on your money? Do you want to invest, do more with the money you already have, or simply make more money?

Learn how to use the latest and greatest personal finance apps and technology, and how to get the most from your retirement contributions. Also learn how much of your income should go to housing, food, transportation, entertainment, travel, retirement, tithing, etc. This is all part of your fully customized financial plan.

My coaching will meet you where you are. It's designed to meet your individual needs, current situation, and goals. If you are winning at life, and want to win with your personal finances too, you have come to the right place. 

Complete a coaching application.

The Financial Impact System helps individuals win with their personal finances through coaching and workshops throughout Denver and the United States.

Customized planning to help you reach your goals

We specialize in financial counseling for these life stages:

college-2

College

Learn how to get your first credit card, build credit, and create a budget.

athlete

Athletes

Lessons and counseling for athletes from all levels, college to professional

married

Marriage

Recently engaged or newly married? Even married for years – We can help.

baby

Baby

Expecting a baby? We will provide critical lessons to life’s big changes.

newjob

New Job

We will teach you what you need to know when you start your first job, from benefits to budgeting. We also help evaluate job offers and packages.

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Bonus

Have you received a sum of money and aren’t sure what to do with it? Contact us today.

buy

Home Buying

Purchasing a new home? We will teach you everything you need to know.

single

Single

Are you managing on your own? You need a consistent plan for your finances.

retirement

Retirement

Retirement is something you can plan for at any stage of life, no matter how old you are!

college

Business

Business finances can be tough - we teach you the strategies you need to survive in a fast-paced, consistently changing world.

moving

Moving

Moving can be a huge financial drain if not managed properly. Get the tools you need to stay afloat.

divorce

Divorce

Are you recently divorced or have lost a spouse who managed the finances? We can help you take control of managing your money.

Helping Clients in these Professions and More!

  • Hospice owner
  • Couples not prepared for retirement
  • Website designer
  • Personal trainer
  • Auto repair tech, cost of tools
  • Artists
  • Massage therapist
  • Mother of three
  • Divorcees
  • Newly married
  • Recent college grad
  • Librarian
  • Settle debt
  • Retired military
  • Grandmother
  • Retail
  • Construction
  • Preschool teacher

Take Control of Your Finances