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Freedom From Debt
Freedom For Life

Understand the forces behind your finances and how to set things right
- financially, emotionally and spiritually.

It's time to stop making excuses for your financial situation and begin to
take the necessary steps to change your financial direction. The key to
financial freedom is not a mathematical solution, but a behavioral solution. 
Financial Coaching will show you how to change your behavior by teaching
you how to implement a proven system that will lead you to financial freedom.




Dave Ramsey Certified counselors/coaches offer a wide range of
personal and small business coaching services,
whether you are financially healthy or in a crisis.

What is Financial Counseling?
Dave's certified financial counselors have given help and hope to thousands, from the financially
 stressed to the financially blessed. Financial counseling is different from the other services
we recommend in that it is the most detailed, comprehensive program offered. It is a
fee-for-service product, but the fee reflects the vast scope of resources devoted to you
and your specific financial situation. A trained counselor will assess your situation, whether
 it's helping you design a budget, establishing a plan for paying debts, wealth building,
and addressing any needs unique to your situation.

 
Financial Counseling Offers

A straight forward approach to money management without trying to sell you anything.

The same common sense money management principals taught by financial expert Dave Ramsey.

Personal testimony to the lift-changing power of these time tested financial principals.

Personalized coaching to help you build YOUR plan and help YOU make the decisions necessary
to gain financial freedom.


Who Benefits from Counseling?

Anyone can benefit from counseling, whether you're facing a crisis situation or you need a plan for
building wealth, help with a small business, or if you just have some general questions about money,
financial counseling is the right thing for you!


Anita Allen is a ceritified counselor ready to help you.

Anita will work with you to develop a personalized plan specific to your situation that will lead you
to meeting the financial goals that you want. No more guessing on your part. From now on you
will know exactly what to do for each financial decision that you face; and if you need any help
along the way, Anita will be there at your side to help you through any rough spots.
Will it be easy? No. It will take work and sacrifice. Will it be fast? No. It will take time.
If you are looking for a "get rich quick" solution then you are looking in the wrong place.
However, once you see your financial goals becoming a reality, you will agree
that this is the most rewarding work that you have ever accomplished.


Services
Anita offers coaching services that deal with all kinds of circumstances. Our services have proven methods that will result in a better financial lifestyle no matter what kind of situation you are in currently.

Our fee is based on a sliding scale due to each client's situation being unique. We will take into account
 your current situation and the services that you require of us and design your fee in proportion to the improved outcome we believe you will achieve by applying our counsel. We will provide you with a
written quote which will detail the fee plus the services that we will provide for you. Upon receipt of our quote you are under no obligation to engage our services. However we believe that your investment with financial coaching will be one of the best investments you will ever make because it will directly
affect your life for years to come.


Debt-Free Coaching
This is our most requested financial coaching service. This comprehensive service is designed
for those who are "sick and tired" of being broke. You make good money but when you look at
what's left at the end of the month you are left wondering where it all went.

If you are in debt, facing a financial hardship, or just need the education to create a budget that
works and results in less stress, then this service is for you.

With this service your financial coach will:
*Help you design a cash-flow plan that will work for your specific circumstances.
*Develop a debt elimination plan to give you hope.
Note: this is NOT debt consolidation. This is DEBT ELIMINATION.
 *Equip you with information on how to deal with any specific needs you may have such as
dealing with creditors and collectors, avoiding bankruptcy, etc.

You will receive information from your coach prior to your initial consultation session.
This service includes a 2-2 ½ hour initial session with a follow-up 1 hour session
within 1-2 months after your initial session.
You will also receive six months of unlimited follow-up e-mail and telephone contacts
 with your coach during the six month period following your initial session.


Strategic Investing and Retirement Coaching
In the Retirement Confidence Survey taken in 2006, when asked how they make their
retirement planning decisions, 44% of working Americans say they "guess."
According to the United States Census Bureau, 62% of Americans retire on
annual incomes of less that $10,000. There is just no excuse for this.


The majority of retirement and investment concerns boil down
to the following most common questions:

Am I on track to be able to retire with dignity?
Are my investments properly diversified?
Should I consider investing in a Roth IRA?
How can I avoid outliving my money?


This service is for those who have no debt with the exception of their house and need
direction to fund their retirement and/or their children's college education.

 
Your coach will assist you in the following areas:
Understanding investing basics and the best college funding strategies that apply to your situation.
The importance of establishing and understanding wills and estate planning.
Discover how to invest in mutual funds to establish and continue a debt-free lifestyle so you never have to borrow money again for things like replacing a car, purchasing high-end items, etc.

This service includes a 2 hour initial session with six months of unlimited follow-up via phone or e-mail.


Pre-Marital/Newlywed
A new report in Psychology Today finds that conflict over money is the leading cause of divorce
 in the first five years of marriage. This service is designed to help engaged and newly married
couples to get started on the right foot with a sound financial plan. It includes an initial session
 to review and play your strategy plus unlimited phone and email follow-up for six months.


Small Business Coaching
Small business owners know how important cash-flow is to surviving in a small
business. It is the life-blood of the business. No cash-flow, no small business. If you are a small
business owner that needs coaching on using a budget that works; debt elimination; hiring and firing employees, etc. then this service is for you. This service will include an initial 2-3 hour coaching
session plus a personal visit from the business coach to the business location. This personal
visit will serve as a follow-up. It also includes six months of unlimited phone and email follow-up.


Seminar & Event Speaking 
Anita Allen is available to speak to businesses, churches, Sunday Schools,
civic organizations, etc on the topic of debt, retirement, careers,
and other financial topics that affect individuals.


Coaching By The Hour
This service is for people who are completely debt free or who are debt free with the exception
 of their home and have specific questions that do not require any of our comprehensive
services. You will meet with your coach to discuss your specific situation for which you need
 advise. There is no follow-up with this service.


Legal Disclaimer 
Anita Allen's coaching is a financial counseling service. The information on this website
is designed to provide accurate and authoritative information in regard to the subject
matter covered. It is provided with the understanding that the counselor is not engaged
to render legal, accounting or other professional advice. Since your situation is fact
dependent, you must additionally seek the services of an appropriate licensed legal,
accounting, or investment services.
 

Anita Allen would like to offer you a free 30 minute consultation. 
This will allow her to determine how she can be the best assistance to you.  She will also
 be able to recommend the best coaching package to meet your needs.


Contact Anita now to schedule your free consultation.

~All Counseling Sessions Are Completely Confidential~





www.daveramsey.com

Dave Ramsey, a Christian personal money management expert, is an extremely popular national
radio personality and author of the New York Times best-sellers The Total Money Makeover,
Financial Peace and More Than Enough. Ramsey knows first-hand what financial peace
means in his own life - living a true riches to rags to riches story. By age twenty - six he had
established a $4 million dollar real estate portfolio, only to lose it by age thirty. He has since
rebuilt his financial life and now devotes himself full-time to helping ordinary people
understand the forces behind their financial distress and how to set things right
- financially, emotionally, and spiritually. He resides with his wife Sharon and
their three children in Nashville, Tennessee.




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