Debt Reduction


Jim White Financial Coaching Steps:

Help you find the option best suited for your situation

  • There is always an option for every situation. Searching for; and understanding the options can be intimidating. I can help you with the information you need to know to make the best decision for you and your family when it comes to moderate / extreme debt.


Create a plan to methodically eliminate debt

  • Understanding how to begin eliminating your debt is almost half the battle. Once we have created your debt elimination plan you will immediately feel a sense of empowerment over your situation.


Help you take back you life

  • Debt does not have to be a defining factor in your life. Start a new chapter and discover life without debt.















Investment / Retirement


Jim White Financial Coaching Steps:

Figure out how much you will need to support yourself through retirement

  • Most experts are in agreement that you'll need at least 70% of your pre-retirement yearly income to enjoy the same lifestyle through your retirement.
  • We will look at your current portfolio (it’s ok if you don’t have one) and create an outline for what you will need to do in order to have an enjoyable retirement.


Find the best investing options for retirement

  • We will look to find a good balance between risky and safe investments.  Although many will argue they are not interested in risky investments, but if you do not have the right balance you could fall victim to inflation.


Patience in a virtue

  • Once your investing / retirement plan has been created you must abide by it strictly.  The most successful retirees are the ones who had long-term plans.














Small Buiness Counseling


Benefits to Your Company:

What are the benefits for both my team and my company?

Company Benefits

  • Increased participation in benefits programs
  • Decreased loan and hardship requests from retirement plans
  • Increased employee satisfaction and retention
  • Decreased garnishments and payroll advancements


Team Member Benefits

  • Better income management
  • Increased savings
  • Reduced debt and stress
  • Improved investing, retirement planning, and college savings
  • Stronger marriages


Increase Productivity

  • At work, employees waste over one hour per day worrying about money.
  • 76% of employers that offer wellness programs say they are effective at improving productivity.


Lower Absenteeism

  • 58% of employers say that the financial stress contributes to employee absences.
  • 81% of employees who have taken time off work for personal finance issues are interested in financial education and guidance.


Lower Medical Costs

  • Stress is the number one cause of 50-70% of all employee medical and hospital costs. Personal finance is the number one personal issue causing stress in the workplace.
  • 72% of employers that offer wellness programs say they are effective at reducing medical costs.


Increased Loyalty

  • More than one in three surveyed employees hopes to be working elsewhere in the next 12 months.
  • Employees who are satisfied with benefits are more likely to be loyal and satisfied with their jobs.


Lower Turnover

  • Experts claim the cost of replacing key talent is in the range of 150% – 200% of the employee’s annual salary.
  • 72% of employees who are very satisfied with their benefits feel a strong sense of loyalty to their employer.






























Newlywed Financial Planning


Jim White Financial Coaching Steps:

Create and agree on a spending / savings plan

  • A well thought-out plan for your spending and savings budget can dramatically decrease stress in your marriage.


Communicate efficiently about money

  • Learning to efficiently communicate about money brings unity and stability when it comes to your assets and future financial goals.


Learn to positively resolve financial conflicts

  • Financial conflicts to do not have to create fights and resentment in your marriage. Learn to work through financial conflicts and accomplish goals together.


Start your relationship with sound financial footing

  • Just as it is important for your home to be built upon a strong foundation; it is equally important for a strong financial foundation in your marriage. Start things off right from the beginning, and you will have less to worry about later.

















Financial Tune-Up

Jim White Financial Coaching Steps:

Reanalyze Income / Saving Ratio

  • Re-evaluating whether you are saving enough of your income.


Looking at current investments

  • Making sure your investments are returning the most gains.


Overall Financial Health

  • Making sure you are not missing valuable opportunities for decreasing expenses, and increasing income.













Divorce Recovery


Maintaining the same standard of living, lifestyle and expenses that you had when you were married on a reduced single person income is one of the most common mistakes divorced couples make.

Income / Expense Budget

  • Figure out exactly how much you will be bring home monthly and create a sensible budget based on these projections.


Debt Management

  • Many couples who got through a divorce will have some sort of debt in both of their names.  Generally during a divorce each party takes responsibility over a portion of the debt.
  • We will calculate this debt in with your “Income/Expense Budget” and find ways to effectively eliminate your debt.


Learning to live comfortably on one income

  • Once the initial out-of-pocket expenses have settled, you will need to learn to live within your means.