Victor Encinas Coaching offers a clear path to financial peace of mind. We are helping our clients pay off thousands in debt and build the secure financial future they desire. Using sound, time-tested principles, we have helped hundreds of individuals and families just like you learn how to:
- Live debt-free
- Accomplish “impossible” financial goals
- Make the most of every dollar
- Eliminate money fights in marriages
- Plan for retirement
- Send the kids to college
- Throw out the word “budget”
- Understand insurance and investments
- Deal with creditors
We don’t sell you stuff. Unlike most “Personal Financial Advisors/Planners”, we don’t sell investments, insurance, or other financial products. This allows us to be your advocate, offering objective advice with only your best interest and no sales in mind.
We do listen to you. We meet with you one-on-one to develop and implement your customized financial plan, coaching you through debt elimination and wise financial management to a more abundant future.
We do guarantee your success. Your coaching includes our unique 100% Satisfaction Promise: You must diligently follow our coaching recommendations for 6 months. If you don’t experience the improvement we show you is possible, and have faithfully worked your plan — then you decide your appropriate fee!
Crisis Financial Coaching
We understand that things get difficult at times and leave you in a bad situation. Our crisis coaching will help you address your current financial challenges and develop a plan to meet your basic living necessities every month. We will teach you how to meet unexpected events by saving and give you hope for control in your life.
This plan will give you a solid foundation for your financial situation. It will provide you with a monthly financial plan to direct you how to control your financial future and teach you the priorities for your income.
Our programs are designed to be easily affordable, even if you are in financial crisis mode. Over six months in this Financial Coaching program you will easily recoup your investment, effectively making the program free.
Contact us to schedule your complimentary 30-minute consultation – FREE
Debt-Free 101
Debt-Free 101 is designed for anyone with excessive consumer debt, behind on payments or in a financial crisis. The initial session is approximately 2.5 hours and includes developing a spending plan that works, as well as working with any special needs such as bankruptcy, dealing with creditors, etc. This program includes free email and phone support for six months, plus copies of our financial tools with your working budget preprogrammed and ready to go. You will leave with a clear action plan to get out of debt, build an emergency fund and move forward making wise financial decisions in life.
At the completion of Debt-Free 101 Financial Coaching you will:
* Receive a copy of your working budget along with our Excel program (we’ll show you how to use it even if you don’t have Excel on your computer)
* Have a plan to become debt-free, in most cases within 24 months or less
* Have clear action steps that will get you where you want to be long-term
Contact us to schedule your complimentary 30-minute consultation – FREE
Wealth Builder
If you are close to being debt free (except for the house), we will help you invest for the future and further define your financial goals. Our time together will focus on investing for retirement as well as educational expenses. We will also discuss and review your will and insurance planning and make sure you walk away with a cash-flow plan that works for you and your family. This program includes free email and phone support for six months following your initial session, plus copies of our financial tools with your working budget already preprogrammed.
Contact us to schedule your complimentary 30-minute consultation – FREE
Premarital Financial Coaching
Money, and financial problems always lead the statistic chart of reasons why couples get divorced. It is a shame that money has that much control over a marriage. We at Victor Encinas Coaching want to help you eliminate the largest problem you may have when you are a newlywed. Our Premarital Coaching will:
1. Teach couples how to relate with money with your different personality types.
2. Help each other see the opposite sexes’ view of finances, and use those differences to win with money.
3. We will create a newly combined cash flow plan to transition in to marriage with a firm financial foundation.
4. Create a financial plan for the rest of your lives together.
In a marriage, it is critical that both people be on the same page financially. This will eliminate the arguments that hurt one another and build walls in a new marriage and lets you argue about the more important things, like, “The toilet paper roll should hang in this direction.”
Our programs are designed to be easily affordable, even if you are in financial crisis mode. Over six months in this Financial Coaching program you will easily recoup your investment, effectively making the program free.
Contact us to schedule your complimentary 30-minute consultation – FREE
Add-on Services
Coaching by the Hour
Coaching by the Hour – For those who simply want a review of your current “state of affairs” (investments, insurance, will and estate planning, etc.), this option is available to you. Please call or email to discuss your special need, or to schedule a financial checkup.
Phone Coaching
Phone coaching is available for all of our programs if you live outside of driving distance. The information and guarantees are the same and your outcome is still based on the goals we set in our session.
Debt Negotiation
Debt Negotiation – One of our specially trained staff coaches will contact creditors on your behalf and negotiate interest rates, payment plans, and/or settlement amounts. While each creditor is different and not required to negotiate, we nevertheless have had great success in negotiating with creditors, often settling debt for less than 50% of the current balance owed. This service is an “add-on” feature, represented as an additional fee for each account negotiated.
Can’t find what you’re looking for?
Please keep in mind we don’t try to fit each customer into a certain program. Each of these programs is designed with our customer in mind, and the financial plans we develop will vary with each client’s individual needs. We will insure we understand your detailed needs and concerns before we devise your specific plan. Please let us know the details regarding anything you would like to cover before we meet and we’ll make sure to include that information in our services.
