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  • What is an advice-only financial planner?
    An advice-only financial planner creates and delivers a financial plan tailored to your unique needs, but does not implement the plan for you or manage assets. In an ongoing planning relationship I will review your financial information periodically and make recommendations on any changes that may need to take place, then coach you towards completing these action items so that you continue to move towards accomplishing your goals. Clients who engage in advice-only financial planning often look like this: They do not yet have investable assets. Their priority is managing cash flow and reducing debt (student loans, consumer debt, etc). Their assets are all invested in workplace retirement plans. Are comfortable managing their own investments with the guidance of their planner. Clients of advice-only financial planners are aware of and comfortable with the planning limitations of TWSFC. We do not: Implement your plan for you. Manage your investments. Recommend complex investments. Consult with you on any business interest outside of single member sole-proprietorships or LLCs (ie; private practice therapists, nutritionists, personal trainers, etc).
  • What is financial coaching and why does it matter to me?
    Financial coaching focuses on your mindset and your relationship with money. This is at the heart of the work we will do together. Without a healthy approach to money, there is no financial plan in the world that will help you truly achieve your most heartfelt goals and dreams. Coaching also provides a level of accountability that most traditional planners don't offer. Gathering all of the data needed to create a thoughtful plan, and then taking the steps necessary to implement recommendations, can feel like a challenge to clients who aren't yet comfortable in their personal financial world. These are the obstacles I can help you lean into and overcome. The best plan is the one you actually implement - so instead of glossing over the finer details, let's lean in together and make sure you're being intentional with your time and money.
  • Do you sell any financial or investment products like annuities or insurance that make you a commission?
    No! In fact, I am a “Fee-Only” financial advisor. The term “Fee-Only” (or fee-for-service) refers to how an advisor is compensated. A fee-only advisor is paid directly by their client, and does not earn commission of any kind for product sales or referrals.
  • How are you paid?
    I am a fee-for-service planner. That means you pay a set fee only for the services I provide. For the one year coaching and planning I charge a flat fee of $6,000. You will be billed a one time fee of $400 after the onboarding meeting, and then again on an automatic, recurring quarterly basis in four equal installments of $1,400.
  • What does it mean to be a fiduciary?
    Under the fiduciary standard, advisors are legally sworn and obligated to always place the best interest of their client ahead of their own. They must disclose any conflicts of interest, and clearly define how they are paid.
  • I do not live in Nebraska. Can I still work with you?
    Although we are based in Omaha, NE we work with clients virtually throughout the country via Zoom. We seek out clients who are the best fit for our firm, regardless of where they are located.
  • Do you work remotely/virtually?
    We work with clients throughout the country using virtual meetings, conference calls, e-mails, secure file transfer, and an integrated suite of client service and financial software. You do not need to be local to partner with our firm.
  • Do you offer a free consultation?
    Yes! Click here to schedule your 30-minute complimentary consultation via Zoom. During that time, we will discuss your current financial snapshot and your goals for working with a coaching-centric financial planner. This time also allows us to get to know one another, and answer any questions you may have surrounding our services or your financial planning needs.
  • Your website says that you specialize in working with single women. Will you work with anyone else?
    Our ideal clients are often single women who are wellness professionals. They are also: Early-to-mid career. Willing to implement their plan with our coaching and guidance. Reasonably comfortable with computers and virtual meetings (able to upload documents easily, navigate links, and fill out simple Google Sheets). Interested in partnering with Time Well Spent Financial Coaching (TWSFC) in a long-term planning relationship based on trust with a coaching-centric focus. Curious and willing to learn more about the connection between financial wellness and overall wellness. Punctual, reliable and eager to get to work! Must be willing and able to put the time in between sessions to collaborate on your overall plan. New to working with a financial professional and are at the beginning stages of creating a plan. Aware of and comfortable with the planning limitations of TWSFC. We do not: Implement your plan for you. Manage your investments. Recommend complex investments. Consult with you on any business interest outside of single member sole-proprietorships or LLCs (ie; private practice therapists, nutritionists, personal trainers, etc). Clients who choose to work with us are at the very beginning stages of financial planning. They have likely never worked with a financial professional, and are looking for frequent, structured support and guidance as they grow confident and competent in handling their money. TWSFC clients are willing to implement their plan independently (TWSFC does not manage assets), with ongoing coaching and guidance for the first year. In addition to a starter financial plan created by month 3 of the initial 12-month engagement, clients learn and receive coaching support on the wellspring of their financial well-being - cash flow management. Clients practice being intentional with their money through a values based budgeting process, cultivating increased confidence and competence in their abilities to wisely manage their money in a way that supports their values. Clients are also challenged to identify and explore money mindsets and narratives through structured exercises and implement those insights into the planning and coaching process.This process helps clients operationalize their starter financial plan, and become flexible as their plan shifts based on life circumstances.
  • Do you manage my investments?
    No, I am an advice-only planner. That means I will create a financial plan for you (which will include investment recommendations), and coach you along the way as you implement it, but I do not open accounts for you or manage your money.
  • Where will my assets be held?
    Time Well Spent Financial Coaching does not manage your assets. Your assets will continue to be held at your current custodian. If, as a part of your financial plan, you decide to open a new account, I can teach you how to open an account at the custodian of your choice. Our ideal clients are comfortable with managing their investments with our guidance offered through the ongoing support services.
  • I have very minimal or zero investable assets. Can I work with you?
    Yes! You may not have any investable assets yet, but that doesn’t mean you wouldn’t benefit from financial planning and coaching. There’s a lot more to personal finance than your investable assets; and often the foundation for financial well being is laid BEFORE you invest. If you fall into this category, we are likely a great fit for working together.
  • I only want help with investments. Do you do that?
    No. I take a broader look at your financial wellbeing to include cash flow, taxes, insurance and estate planning. Investments are also a part of that, however it is not the only component of a plan I focus on. If you need assistance with investments only, I am not the best fit for you, but am happy to help you find someone that might be a better fit.
  • What process and timeline can I expect when I become a client?
    The most successful clients engage with me for the full year of coaching, planning and accountability. This includes your detailed financial plan, delivered within the first 3 months of our work together, followed by implementation and mindset coaching. With the full year package, the first 3 months require the largest time commitment for both you and me. We will meet twice a month for the first 3 months and you will need to dedicate approximately 1 hour per week to homework in between sessions. Our first session is scheduled for 2 hours so that we can start working on what I consider to be one of the key factors in your plan - clarifying your goals and dreams. We’ll also spend time orienting you to the easy-to-use systems that will guide our work together: financial planning software with a secure vault for storage, a budget, and a Google Drive for collaborative documents. During the first meeting we will agree on a timeline (usually 1-3 weeks) for you to collect all of the required information needed to build a plan, and you’ll get to work uploading it to our shared financial planning software. You will also be filling out a simple-to-use Google Sheet that we use during cash flow planning and discussions. You’ll have your full financial plan by the end of the 3rd month. In the meantime, you’ll be busy practicing your daily and monthly money habits and beginning to uncover money narratives that influence your choices. After the financial plan is delivered, we’ll tackle the implementation and mindset phase in smaller chunks so that you’re sure to have accomplished your action items by the end of our time together! This looks like either one 60-min meeting per month or two 30-min meetings a month during months 4-12. Meeting lengths vary. To wrap up your year of hard work, we’ll do an annual review and decide on next steps. Some clients decide they are ready to go it alone, while others want consistent accountability and a second set of eyes on their plan on an hourly, monthly or quarterly basis, followed by an in-depth annual review each year (separate fees for each).
  • How often will we meet?
    Most clients enter Time Well Spent Financial Coaching’s services through the comprehensive one year of financial coaching, planning and accountability. We meet twice a month for the first 3 months, and then monthly for the rest of the time. Experience has taught me that meeting early and often in the process helps you maintain a bias toward action, will keep you motivated, and provide accountability through frequent practice of the skills you’re learning.
  • You say you offer coaching-centric financial planning. What does that mean?
    A financial plan, without action, is just a big stack of papers that will likely collect dust. The clients who appreciate my approach to personal finance seek out the structure of coaching and accountability I offer. Along with delivering the financial plan tailored to your specific needs, I help you create and implement the steps necessary to make the plan come to life. Additionally, my clients genuinely appreciate the emphasis I place on mindset and the intersection of our thoughts, feelings and behaviors with money. Sometimes you need the space - and slower pace - of my 12-month initial approach to get your plan up and running. While I slow the process down, I’m also here to make sure you don’t stagnate. As a coach I help you grow through a process of reviewing, reflecting and preparing … and then taking action. I will push you forward and encourage you to expand beyond your comfort zone. Whether that means getting set up with a budget for the first time, opening your first Roth IRA, or investing more money on a monthly basis to reach your goals - I’m here to guide and nudge you through your journey so that you can experience the freedom of an intentional life.
  • What’s the difference between a financial therapist and a financial coach?
    A financial therapist will focus on helping you heal from any financial wound you’ve experienced in your past that continues to cause discomfort for you today. Whether it’s financial infidelity, or a persistent and recurring pattern of unhelpful beliefs and behaviors with money, a therapist is there to help you heal. Some financial therapists are licensed mental health providers, with specialized training in personal finance. Other practitioners hold the designation of Certified Financial Therapist, but are not licensed mental health practitioners; they will have specialized training in either personal finance with training in mental health that compliments their skill set, or vice versa (training in mental health, with complimentary training in personal finance). A financial coach will focus more on the present and future to help facilitate your growth. Starting with where you are today and setting a desired goal in the future, a coach pushes you to reach your full potential. Both financial therapists and coaches can be excellent resources for you along your personal financial journey. I am a trained marriage and family therapist (that means I have a master’s degree in the subject that included a clinical internship), but I am not a licensed therapist. Therefore I am not legally permitted to practice therapy. As a coach, I incorporate appropriate therapeutic techniques that support the growth and encouragement my clients want. My training as a therapist has greatly influenced my coaching approach to personal finance, and it’s an orientation my client’s find helpful. If I think you need more assistance with a mental health issue, I will help you seek out a qualified therapist to be on your team. I can even work collaboratively with your therapist or other healthcare professional (with your written permission) if it makes sense in the course of our coaching. A team approach is often the best to help you reach your goals!
  • Do I have to use a budget if I work with you?
    Yes. I will build it for you and teach you how to use it. If, after the first year of working together, you decide it’s not for you, that’s ok. When you hire me for the full year of planning, coaching and accountability, you are hiring me not just for a financial plan, but to teach you how to be more intentional with your money and to push you beyond your current comfort zone. A budget is part of that work. If that is work that doesn’t sound appealing to you, it’s ok - we’re just likely not the best fit.
  • I’m not sure I have enough money to work with a financial planner. Do you have a minimum requirement?
    I do not have a minimum requirement for assets, primarily because I do not manage assets. Most people are familiar with minimums from the “Asset Under Management” billing model, but that does not apply to my business model. It doesn’t matter how much money you make, or how much you have invested - everyone deserves to have goals and dreams and can benefit from the financial planning process. I do have minimum fees for my services, and those minimums are designed to be affordable for a wide range of clients.
  • I own a business - can you help me with that?
    If you are a solopreneur (sole proprietor or single member LLC), I can likely assist you with planning for your business as well. Since there is extra planning required when it comes to business planning, there may be an additional cost that we will discuss before working together.
  • What does your designation CFT-I mean?
    Certified Financial Therapist, Level 1. This designation is offered through the Financial Therapy Association.
  • Isn’t financial planning only about retirement planning? I’m not ready to retire, so is it worth it to work with a planner?
    Financial planning is not synonymous with retirement planning. While retirement planning is a critical part of an overall financial plan, it is only a part of it. Most of us have goals we want to reach in the next year, or next 5 years and planning can help you determine the best way to reach those milestones! The sooner you practice being intentional with your money, the sooner you will experience the freedom of an intentional life!
  • What is financial planning?
    Financial planning is a collaborative and dynamic process that can help you build the life you want, starting at any stage through managing and growing your wealth and mindset. Planning areas include cash flow, insurance, taxes, investments, retirement planning, and estate planning.
  • When is the right time to engage with a financial planner?
    Now! Once you make the choice to invest in your financial wellness, just get started. You won’t regret it.
  • How does your planning process differ from other financial planners?
    Most clients enter into planning via the initial 12-month process and share a common goal: to learn more about their money and how to make choices with money that support their current and future selves. These clients want to learn the ropes in a structured and encouraging environment. Some will choose to become DIYers, but most remain clients for the value added in having a second set of eyes reviewing their plans regularly (hourly, monthly, or quarterly), and the accountability of coaching. I do not believe that static, one-time financial plans support your well-being across time. While helpful to gauge where you are at this moment, a plan needs attention as you grow in order to serve you well. Financial planning is a dynamic process rather than a product. This process deserves time and attention across an individual’s lifespan. We believe this initial year-long investment into your financial well-being will equip you with the basic skills and confidence you need to begin managing money to best fit your needs.
  • What’s the time commitment for the one-year program?
    Since the focus of our practice is on educating and coaching the client on how to best implement and monitor their starter financial plan, with intentional cash-flow management as a key component, the client will be asked to complete activities in between sessions to help their confidence and competence grow. As such, I ask clients to be willing to commit at least one hour each week in between sessions during the first 3 months to complete these activities. The client’s outside time commitment lessens after month 3 once the solid foundation of habits are established. Additionally, we encourage all clients to start this process when they can commit to twice monthly meetings for the first 3 months of their journey. Missing more than one meeting in the beginning is not helpful in building the habits you’re hiring us to help you create and reinforce.
  • Can I work with you after the first year?
    Absolutely! It would be my pleasure to continue working with you in an ongoing financial planning relationship. My ongoing clients stay with my services because they appreciate a second set of eyes on their finances periodically, and also because they benefit from the coach approach. We spend a lot of time evaluating goals and dreams in line with resources (time, money, etc) … and I challenge them to make sure they’re doing what they said they wanted to do!
  • I’m embarrassed to say this, but I don’t know anything about my finances - will you take time to answer my questions?
    YES! I am the right fit for you if you’re just starting to think about your money. People have a lot of emotions around money - they’re all normal! No need to be embarrassed or ashamed here. We’ll work together to help you get where you want to be.
  • I am ready to have a conversation. How do we start?
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