Financial coaching
new!!
Interested in attending Dave Ramsey's 9-week, Financial Peace University Course?
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**Now Available**
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Financial Coaching at Phil Lyman, CPA is now offering this course to individuals, one-on-one. If you'd like to go through this course with a certified Dave Ramsey Financial Coach by your side, give us a call today and we can arrange the details.
Background/credentials

Lexus first got introduced to Dave Ramsey (national business and financial expert) while taking a money management course in Idaho, four years ago.
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Since then:
-Led numerous 9-week Dave Ramsey Financial Peace University courses
-Read: The Total Money Makeover and various other books by the Dave Ramsey personnel
-Listens weekly to The Dave Ramsey Show
-Completed the Personal Finances for Self-Reliance program with The Church of Jesus Christ of Latter-day Saints
AND
-Completed the Dave Ramsey Financial Coach Master Training program to become a certified financial coach
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Additionally:
-AS from USU-Blanding
-BS in accounting from SUU
details
What is financial coaching?
Financial coaching is establishing a financial plan tailored to your individual circumstances and centered around the principles taught by Dave Ramsey to:
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-pay off debt
-save for retirement, children's schooling, a home, etc.
and
-build wealth to GIVE!
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For those who have attended/are familiar with Financial Peace University, it's the same concept but in a one-on-one setting, rather than a group.
What is financial coaching?
Financial coaching is establishing a financial plan tailored to your individual circumstances and centered around the principles taught by Dave Ramsey to:
​
-pay off debt
-save for retirement, children's schooling, a home, etc.
and
-build wealth to GIVE!
​
For those who have attended/are familiar with Financial Peace University, it's the same concept but in a one-on-one setting, rather than a group.
What is financial coaching?
Financial coaching is establishing a financial plan tailored to your individual circumstances and centered around the principles taught by Dave Ramsey to:
​
-pay off debt
-save for retirement, children's schooling, a home, etc.
and
-build wealth to GIVE!
​
For those who have attended/are familiar with Financial Peace University, it's the same concept but in a one-on-one setting, rather than a group.
Who is financial coaching for?
Short answer: ANYONE in ANY situation, but here are a couple of key areas:
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Stressed out with your current financial situation? Wonder where your money goes?
Financial coaching=for you.
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Doing well with your money but feel there is room for improvement?
Financial coaching=for you.
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Recently experience a significant life event? (Retirement, death, divorce, children, marriage, job change, etc.)
Financial coaching=for you.
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Financial coaching helps those who are struggling to do well and those who are doing well to do better.
Why should I engage in financial coaching?
-Are you sick of barely making it by every month?
-Are you sick of wondering where your money goes?
-Are you ready to create a comprehensive plan for your finances?
-Are you ready to prepare to leave a legacy?
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These are all goals of what to accomplish through financial coaching. If you desire these or want help with any others, our one-on-one discussions will help you get there.
Where does financial coaching take place?
Typically, financial coaching occurs in the office at Phil Lyman, CPA.
However, in a world of technology, it is not limited to the office located in Blanding, UT.
For those interested, services are also offered via phone or the internet.
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When is financial coaching is available?
Currently, financial coaching hours are Monday-Thursday, 9-5 pm.
HOWEVER, additional times are available upon request.
78% of Americans are living paycheck to paycheck
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-CareerBuilder, 2017
Approximately 66% of Americans would struggle to pay for an $1,000 emergency
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-CareerBuilder, 2017
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The accompanying statistics are evidence of the need for financial coaching
Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge."
– Dave Ramsey
The average consumer debt: $180,018 in mortgages, $50,868 in student loans, $29,058 in auto loans, and $16,425 in credit cards.
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-NerdWallet, 2017