Financial Coaching Made Easy

Bottom line is we are slow and steady plodders who want a simple way to manage our finances that is proven and makes sense, easy to do, and repeatable month after month.  If it becomes too complicated, then you won’t do it.  We have been doing budgeting and financial counseling for over 20 years now, and have pretty much researched everything there is out there in financial land.  Who do you turn trust in today’s maze?  We hope it’s us, and we’ll even offer you a complimentary, NO RISK, no pressure, 30 minute consultation to discuss your situation and your needs.

Unlike Financial Advisers, we do not sell investments, insurance or other financial products. We coach on a flat fee basis and can easily show you how our service will more than pay for itself over a short period of time. Many times our clients tell us they save more than their initial investment over the first two – three months. If you apply the principals we teach we guarantee coaching will more than pay for itself within six months. Effectively, our coaching becomes free.

Financial Coaching is about teaching. Our job is not complete until you fully understand your situation and the direction in which you need to work in order to meet your goals.

Immediate Benefits of Financial Coaching:

• Improved “financial relationship” with your spouse—no more money fights!
• Better communication with your spouse—increased oneness and intimacy
• Joy and contentment—more quality time with family and friends
• Total financial clarity—focus on what really matters with confidence
• Greatly reduce stress—peace of mind and accountability
• No more fear—boldly move forward with a solid plan that you can trust
• Hope for the future—still time to make positive change
• Laugh and have fun—celebrate and enjoy the journey together
• RELAX! You are in good hands. We aim to make you feel right at home.
• Save time and money—know that working with us will more than pay for itself during the time we will be working together! Gain knowledge from our experience and resources.
• Get out of debt (everything but your home) usually in just 24 months or less – without buying insurance, investments or computer software!
• Develop a plan for your income each month (most people don’t have a plan for their most powerful wealth-building tool).
• Getting your financial house organized
• Our team will help you determine your insurance needs: home owners, auto, life, disability, health, etc.
• Having problems making your mortgage payment or you want to purchase a home? We will assess your situation and develop a plan with you based on your specific needs.
• Will you be able to retire comfortably? You will receive retirement projections based on your goals for the future, developed with our help.
• Are you making the right decisions now in order to live the life you want?

Please keep in mind that a coach’s mind never stops! We’re always thinking about our client’s issues and how best to help them. Much energy is invested into every one of you when you become our client, even after we meet for our scheduled times. We desire a positive outcome for you, so we are challenged to work for you even when you don’t think we are!

Start Now by completing the application for your complimentary financial consultation!

Options to Choose From:

Phase 1: Debt Free 101 (Moving from Financial Crisis to Financial Peace)

Debt-Free 101 is designed for anyone with excessive consumer debt, behind on payments or in a financial crisis. The initial session is approximately 2 to 2½ hours, with a 2 hour follow up, with free email and phone support for 6 months. Why 6 months?  Most of the clients that we coach in this situation have very complicated issues, and when you are dealing with numerous creditors it can get messy.  We want to be there along the way and give you the encouragement and confidence you need to talk to your creditors and eliminate your debt one  by one.  Even after the first session, you will leave encouraged and empowered to handle creditors, with a clear action plan to get out of debt, build an emergency fund and move forward making wise financial decisions in life. This coaching process will provide you the tools to make informed financial decisions, empower you to manage your money, and restore hope to your life. This dynamic program builds accountability and responsibility on the part of the client so that dreams become reality and talk becomes action.

Includes:

• Developing an action plan & basic budget
• Establishing financial goals – Where do you want to be? What are you willing to do?
• Debt elimination
• Organizing bills & financial life
• Briefly focusing on future dreams (we give you a glimpse of what you could do if you didn’t have debt payments)

During the process and upon completion of our 6 months together, you will:

• Have a copy of your working budget in our easy to use excel spreadsheet system.
• Have a proven and organized plan to become debt free, in most cases within 2 years or less.
• Have a set of personalized action steps to help you achieve your future goals.

If you are serious about becoming debt free and working toward your financial goals, complete the application for your complimentary consultation.

Phase 2: Building Wealth with a Purpose (Life After Debt)

Making your way out of debt can be a wild adventure.  Building on the progress and success of eliminating your consumer debt, Life After Debt Coaching is designed to equip and empower you to make confident wealth-building decisions. For those who have become (and stayed) debt free, we salute you! Maybe you aren’t in debt to begin with but have no idea how to create a budget and a master plan for your future.  This is what we do best! If we need to start with the budgeting process, we will start there, and get you and your wife on the same page by developing your personalized cash flow plan. Then we will discuss insurance needs, estate planning (why you need a will), and any other issues that come up, such as career, education, starting a business, home resizing, etc. We will show you a glimpse of how your money can work for you over a certain length of time, and plan for those golden years, worry free!

Once you are at this stage, there’s a whole new list of financial decisions that must be made:

• Where and how to invest for wealth-building and college funding
• How to pay off the mortgage and start building your net worth
• How to prepare for a vehicle purchase or the vacation you always wanted to take
• What types and amounts of insurance you need – we will do a quick overview, and if we see the need refer you for a consultation with our trusted insurance partner
• How to prepare your estate for those who come after you – we will recommend a trusted partner to help you in this area
• Would a career change be in your future?  We will share resources that may help.

As with any Larkin Coaching program, we do not sell investment or insurance products so you know you’ll be getting the honest truth and honest accountability you need to continue realizing your goals.

To begin moving toward your long-term financial goals, please complete the application for your complimentary consultation.

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Phase 3 : Investing Strategies Coaching (Wealth Building for the DIY)

Not for the faint of heart! If you are a “do-it-yourselfer”, can’t stand the thought of paying a broker money that you want to keep, desire to take charge of your investment portfolio, and would like to learn the “how to’s” of navigating through the myriad of investment options than this coaching process is for you. Mike has personally managed his own investment portfolio for years, learning the hard way, but since has learned a sound and proven way to invest that has been very successful in growing his monies.  Mike’s philosophy is  sound, proven, simple to learn, and is NOT risky or day trading.  He only spends a few minutes each week, and up to 30 minutes per month to update his portfolio with this system.  If this sounds like something you would like to learn how to do yourself, then Mike will take you step by step to evaluate what investing personality you have and patiently explain what all the terms mean, show you the tools you need to be successful at it, and teach you how to do it all over a course of 6 months.

Includes:

• A 2-hour initial overview of your investments and how to understand the investing philosophy
• Monthly 1-hour sessions after that for the remainder of the 6 months. These monthly sessions will be going over your options and making changes as needed. Fine tuning, clarity and confidence will be obtained.
• Unlimited email and phone questions throughout.

Please fill out the application for your complimentary 30 minute Investment Planning session.

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We also offer:   Pre-Marital/Newlywed Coaching

The #1 cause of divorce is due to money problems and money fights (usually from excessive debt). Through our coaching we hope to teach you that money can be the #1 opportunity for uniting a couple and having a strong and healthy marriage…no more money fights! We would love to meet with you before you say, “I do” to help money become positive force in your relationship.

During the process and upon completion of our time together, you will:

• Have a copy of your working budget in our easy to use excel spreadsheet system.
• Learn how and why to stay out of debt. If debt is already an issue, we will develop a proven and organized plan to become debt free, in most cases within 2 years or less.
• How to save money for those big purchases such as cars, your first home, and getting ready for baby.
• Learn about your strengths and weaknesses and how to walk through life in harmony with each other in regards to money and finances
• Have a set of personalized action steps for your future together and where the two of you desire to be long term

To begin your journey together as a couple and get on a solid plan for your financial goals, please complete the application for your complimentary consultation.

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Hourly Coaching – Q & A’s (For previous clients, once the 6 months is up for your package then you can get a refresher down the road):

Get your most pressing questions answered on an hourly basis. For previous clients who need a refresher to revisit us down the road to get back on track or for those that have a handle on their budget and money and just need to sit and discuss a new obstacle, question or situation that has risen in your financial life.  We will do this over the phone or in person and payment is due at the session.

If you feel you have a handle on money and you are working toward your financial goals but just need some “fine tuning” complete the application for your hourly session. We will call you to discuss if we honestly feel this is your best option once we receive your application. If so, we will schedule your hour either in person or by phone, whichever suits your needs.

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**Coaching programs are based on your life circumstances and the fees are designed to be commensurate with the improvement we believe you’ll make to more than pay for itself. As always, each coaching package comes with our guarantee: We believe we can help you achieve your desires and passions if you follow our unique action plan made just for you. However, if you are not 100% satisfied with the results, goals and improvements we believed were possible during the mentorship period, and if you have worked the plan faithfully, we want you to decide what it was worth to you and choose a suitable coaching fee.