The rates vary according to the time required to facilitate the different sessions. We offer an initial 30 minute Consultation at (No Charge). During this session we will assess your specific needs and make recommendations as to the service that best fits your situation. If you choose not to engage our services at that time you are under no obligation.
I can’t afford all of my monthly payments. Why should I pay for these services?
We view each coaching session as an investment. You will find that our services will not only pay for themselves (in the form of reduced stress, improved cash flow, and improved lifestyle) but will likely make you money over the course of the coaching engagement. Many clients have told us that they were able to re-coop their cost before the end of the coaching session. That is a SERIOUS return on your investment. We understand that you’re looking for help and our cost structure is less than other options available in the marketplace.
Bankruptcy as an example will generally cost $1000-$2000 to file and debt settlement companies take $30-$50 per month until they reach their service fee (typically $1000 or more). At Keystone Financial Consulting we teach you how to modify your behaviors so you never end up in this situation again. We also provide you with tools and personal coaching to help ensure your success.
What services are available?
Financial Coaching - Advanced Budgeting, Debt Management, Retirement & College Planning, Basic Investing and Financial Planning
Business Coaching - Operational Improvement, Risk Management, Bidding & Contracting, Supplier Diversity, Negotiating, Supply Chain Management and Financial PLanning
Career - Personality Profile, Career Assessment
Do you work for Dave Ramsey?
No. Keystone Financial is an independent company trained in financial coaching. We have the full backing and support of the Lampo Group along with access to many of their resources, but we are not compensated by them in any fashion, nor do we pay referral fees to his company.
Why should I use your services instead of an accountant or financial planner?
Financial planners provide great services but many times they fail to address the basic principal of behavior and budgeting. They are geared toward tax preparation or in some instance they sell insurance products and mutual funds. We believe this creates a bias specific to any review they might conduct. At Keystone Financial Consulting we offer our counsel and experience only. We do not sell financial products. That means any recommendation we make is completely unbiased.
Why shouldn't I use consumer credit counseling service?
There services, also called debt settlement services, offer an arrangement where you send someone else your money and they pay your bills. Unfortunately you will not have the opportunity to learn how to take care of it yourself. Your credit will often be tarnished in the process; because they attempt to negotiate with creditors over forgiveness of your debt.
Why not consider a debt consolidation loan if my total payments will go down?
Your monthly payments go down because you are spreading the payments out over a longer period of time. As an example: If you have two years left on your automobile loan and two years on your credit card, then you are only two years away from being out of debt. If you roll the loans into a Home Equity Line of Credit (HELOC) it will increase the term. If the HELOC term is 10 years then you have effectively taken a two year loan and converted it into a ten year loan. When you take into consideration the cost of "front loaded" interest and closing costs you end up paying much more than you will for our service.
Why not just file bankruptcy and clean my slate?
There are a number of reasons to avoid bankruptcy if possible. First of all, bankruptcy will remain on your permanent record. While it may not affect your credit after seven years many employers require this information on their application or in a background check. If you file bankruptcy you are required to answer "yes" on the application, which could limit job opportunities. Second, bankruptcy doesn’t take care of everything. As an example: Student loans nor IRS payments are subject to bankruptcy. Likewise, anything you “reaffirm” or keep such as a car or home are not isn't included. You will still owe for those items. Lastly, bankruptcy doesn't address the primary cause. Our programs are designed to address behavior changes that will put you in a better position for long term success.
Gift Certificates are available for any of our personal coaching programs.
What is your return policy?
At Keystone Financial Consulting our desire and mission is to assist you in making sound, educated and practical financial decisions. If you are unsatisfied with our service at any time, we will be happy to return any fees that have been charged to you. We simply ask that you submit your request in writing and provide us with an explanation of the problem you encountered.
