Financial coaching

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!

​

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.

​

Recently experience a significant life event? (Retirement, death, divorce, children, marriage, job change, etc.)

    Financial coaching=for you.

​

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