One-On-One Coaching

Welcome to Financial Impact’s live coaching with Holly Morphew

Goal of this program

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.

  • Stop the paycheck to paycheck cycle
  • Eliminate debt
  • Streamline spending
  • Put your dollars to their highest and best use each month
  • Create additional income

This program is designed to increase your cash flow, save you thousands of dollars in interest, and maximize the impact of your paycheck every month. This results in a double-whammy swing in the positive direction.

Proven Results

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Enjoy life now and later

What's Included In The Program

Depending on Your Needs, Your Program will Include All or a Combination of The Wealth Cornerstones Below

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Eliminate paper, save time, keep receipts you need and toss the rest, automate your personal finances. Track your actual, real-time spending online and with an app. 

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I will help you maximize the utility of your dollars so they go to their highest and best use. Do you have an HSA (Health Savings Account), FSA (Flexible Spending Account), special benefit at work such as day care or commuting? Learn how to get the most from your paycheck, as well as your employer-sponsored benefits. 

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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! 

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This is simply a statement of what you own (your assets) and owe (your liabilities) and is a good indicator of your financial health over time. 

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Understand what information is contributing to your score, what things you can do to increase your score and what 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. 

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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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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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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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We'll discuss insurance, taxes, estate planning, separation of personal and business assets and liabilities.

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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! 

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Determine what to save each month for retirement. Whether you have a 401(k), IRA, traditional or Roth accounts, or none of the above (!) we will discuss the best places and how o save for retirement based on your income and pre or post tax needs.

Module Overview

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Our program kicks off with an engagement letter.

Included in your letter is a list of documents I’ll need to create your wealth strategy, order your debts (if applicable), and identify your Impact Factor™. I will have all of this ready for you on Day One. We can start as soon as one week from the day I get your documents.

We will meet weekly for four weeks, then every other week until your program concludes.

You may continue coaching at the rate you signed up for up to one year. I.e. As a client, your rate is locked in for 12 months.

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We'll have plenty of time for organic conversation during meetings, so bring your questions, concerns, dreams, desires, and money stories and we will sort them!

Throughout your program you'll learn the seven steps to create, grow, and keep more money.

I’ll follow up meetings with an email outlining what we discussed and the week’s assignments (which require minimal time, +/- 10 minutes), if any.

I will also your wealth strategy and cash flow statement via Google so you can update it as you want.

Over the course of your program you will find your behavior, decisions, and choices related to money changing, as you close the gap between where you are now and financial independence.

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We’re going to find the leaks in your spending using a real-time, actual spending tool, which tracks your spending across all your accounts in one place.

Once you see where your dollars are going you are ready to execute your wealth strategy. You are ready to automatically put your dollars to their highest and best use each month!

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During your program we’ll cover the topics above and more, based on your personal interests, current resources, and unique skills. Do you want to earn more money? Invest in real estate? Create passive income? Start a business? Side hustle? Or just relax more??? This is where it gets fun!

"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.

Get started in two steps

Step One

Step Two

Financial counseling for these life stages

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College

Learn how to get your first credit card, build credit, create a budget, save, and pay off student loans while getting established in the real world.

athlete

Athletes

A sustainable financial plan begins while you are still training. Make your high earning years your high returning years and create a foundation to earn life-long income.

married

Marriage

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

baby

Baby

Expecting a baby? Be prepared financially for life’s big changes.

newjob

New Job

Review your job offer letter, negotiate benefits + stock options if applicable, salary, bonus, and pay structure to get the most from your new job.

bonus

Bonus

Have you received a sum of money and want to make sure you use it and invest it properly? Get in touch.

buy

Home Buying

Purchasing a new home? I can help guide you in the process from choosing a lender and realtor, loan preparedness, and home search do and don't's.

single

Single

Are you on your own? Get a consistent plan for your finances and create wealth one day at a time.

retirement

Retirement

Retirement is something you can plan for at any stage of life, no matter your age.

college

Business

Want to start or grow a business? Create additional income? Residual and/or passive income? I can help.

moving

Moving

Get the tools you need to stay afloat during your next move.

divorce

Divorce

Take control of managing your money after a divorce or break-up.