Ideal Harbor Financial

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Services

Financial Coaching

Implementation Service

Socially Responsible Investing Advice-A Future Service

Financial Coaching

In order to start down the road to improved finances, potential clients schedule a meeting with a financial coach. Prior to or at the meeting, the potential client gives the coach financial information for one year (or as much information as is available). At the meeting, the coach asks various questions. A subsequent meeting is scheduled and a financial plan as well as a long term fee proposal are presented. 

Thereafter, typically, the two will meet monthly in order to ensure implementation of the plan. Financial coaching is meant to be a long-term relationship and investment of time and of course, money, that will eventually lead to the ideal financial condition.  Generally, the hourly cost of financial coaching is $75 an hour. To some, this may seem expensive. To others, it may seem cheap. 

Those who find the figure expensive must remember that improving finances allows you to improve many areas of your life. Among the most important is reducing the stress that poor finances cause. Other benefits include achieving important goals in life such as saving for children's education and your own retirement. Such improvements are neither easy nor inexpensive. They can, however, be easier and cost much less time if achieved with the professional help of a financial coach.

Those who find the figure to be cheap should realize that this is indeed a great opportunity to improve their finances at low cost. It will not exist forever. This current price is available because the business is in its early stage and would like to increase its customer base. The low price does not reflect the high quality services of a finance professional with a master's degree education.

Implementation Service

Financial coaching is a team endeavor - both the financial coach and the client work toward achieving financial amelioration. Improving ineffective financial habits involves efforts on both sides. Indeed it involves changing entire attitudes towards money and finances. 

There are two cases when coaching is not the main focus.

1. Sometimes, additional, specific management of accounts and payments is required. This is a separate service called "Implementation." If this extra service is necessary, the coach and client discuss this service as well as the additional fee during their second meeting.

2. Sometimes, less coaching is needed. Some people have managed their finances on their own, but simply wish to focus on other parts of their life, leaving actual implementation of bill payment and other financial transactions to Ideal Harbor. The fee for this is less than that for coaching.

Socially Responsible Investing (SRI) Advice-A Future Service

Because Ideal Harbor Financial harbors many ideals about business, the company wishes to help implement them via the power of financial sources such as investing and spending. Some of these ideals include: 

• Fair and open labor practices (non-discrimination, safety, benefits)

• Respect for the environment (not doing harm or proactively helping)

• Improving rather than exploiting the corporate community (which includes the community in which a business operates as well as customers)

• Strong corporate governance and general culture of ethics

Part of Ideal Harbor Financial's strategy to implement these socially responsible goals includes providing knowledge about businesses and investments that share these goals. Eventually, such information will be available at this part of the web site and as a newsletter for paid subscription.

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