Financial Coaching Information Form (as of 22-Oct-2010) Page 1 of 12 Candeo Financial Counseling / Eric and Heather Viets

Financial Coaching

Thank you for inquiring about Candeo Financial Counseling's financial coaching service.

I (Eric Viets) am a certified Dave Ramsey financial counselor in Lynchburg (servicing

Lynchburg, Charlottesville, Roanoke, and surrounding areas) who assists individuals and

couples with their finances utilizing Dave Ramsey’s financial principles. My wife, Heather, is

present, when she is available, to offer an additional counseling perspective. I have worked

with a wide spectrum of people: from clients who believe they are facing bankruptcy, clients

who are wanting to use their money more effectively, to others who are building wealth who

wanted to fine-tune their financial plans.

My services include:

Assistance with Budgeting

Career Planning

College Savings Planning

Financial Crisis Management

Goal Setting

Home Purchase Planning

Investment Strategies

Retirement Planning

Teaching Clients How to Handle Creditors

Total Debt Elimination

Understanding what Drives Your Money Decisions

Working Through Relational Issues Involving Money (for couples)

On the following pages are some questions you may have about the financial coaching

process.

After the questions and answers, there is a Financial Coaching Intake form for you to fill out

and send back to me. This form is for me to learn about you, your goals, how I can assist you,

and whether the services I provide are a good match for what you need. If they are a good

match and you choose to hire me, the next steps are to decide which financial coaching

package you prefer from the options outlined below and then to schedule our first session

where I dig into your financial details and help you form a personalized plan.

If you have any questions that are not addressed, please e-mail me at ecviets@candeofc.com!

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* Do you use Biblical principles?

Our financial coaching is based on Biblical principles. We believe that God owns all

things and He has entrusted us to manage the resources He has given to us. Therefore, the

ultimate goal of money management is to glorify God. He shows us how to manage money

successfully in his Word. We assist by making God's principles for money management

applicable for your life.

* Why should I consider financial coaching services?

Whether you are a business owner or you just need a little help organizing your

household budget, we can help. Our financial coaching services provide you with one on one

assistance in your area of need. Some clients just want to learn how to budget their money and

plan for the future while others desire to eliminate debt and restore peace to their home.

Whatever your situation may be, we would love determine how our coaching services can

benefit your life.

* Do you sell financial products? Do you provide loans? Can you locate free money?

We do not sell financial products, provide loans of any kind, or find monetary

assistance for our clients. We are not affiliated with any company that sells any financial

products. The above allows us to be completely unbiased in the advice we give you regarding

your financial, investment, and insurance decisions.

* Can you guarantee that my financial outlook will improve after going through your

program?

In every classroom, there are students who spend hours soaking up the material and

putting it into practice outside of class; additionally, there are students who do not spend any

time studying and implementing the material outside of the classroom. It is obvious which

students will benefit from the class.

While financial coaching is not a class, we do provide a great deal of information.

We have found that the clients who take the information and put it into practice greatly gain

from the coaching relationship. Those who do not implement the principles or follow the

directives do not gain as much from the experience. You are in charge of this process. You will

succeed if you put in the work and make a commitment to grow.

* What are some of your success stories?

Please see our Testimonial Page for former client testimonials.

http://www.candeofinancialcounseling.com/testimonials

* Many of my friends are in need of these financial services as well. Is there a group rate?

Our financial coaching services are specialized to your specific needs; therefore we do

not allow others into the sessions since your personal information will be thoroughly

discussed. Because of this, there is no group rate for the one-on-one financial coaching

packages.

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Additionally, we are contractually bound to only see married people when both

spouses are present. Financially coaching one spouse without the other is often

counterproductive and can cause unnecessary division in the home. For married couples,

finances are a team effort and all members of the team must be present before we can proceed

in the process.

* My business associates could use this service. Do you provide financial coaching services

to businesses?

Whether an individual or a business, money management principles apply to both

worlds. We can help business owners evaluate their financials and formulate a plan to reduce

costs, increase retained earnings, and develop financial models for their business.

* I’m unhappy in my current job, but my dream job pays significantly less. Can financial

coaching help me to make my budget work on a lesser salary?

Absolutely! We strongly believe that people should love their work. Even if you take a

pay cut to start what you love, you will still likely make more money in the long run doing the

work that fulfills you most. We would love to help you adjust your budget to accommodate

your passion in life.

* I have recently lost my job and our family has to readjust our budget. How can your

services help us?

Many families are in the process of readjusting their household budget during this time

in our country. This can seem like a dead end road, but it does not have to be hopeless. We can

help you comb through your budget and brainstorm ways to readjust your savings and

spending. We can also help you consider other money making ideas that can add money to

your budget and bring peace to your life. We can come along side you and help walk you

through this difficult time.

* My marriage is suffering due to money fights and money problems. Can you help us?

Money fights and money problems is one of the leading causes of divorce. There is so

much stress added to the family when finances are not in order and it takes a toll on a

marriage. We completely understand this and we will be glad to help you and your spouse

work through this difficult time in your finances. Finances can also be a symptom of a deeper

issue in your relationship and finding and resolving the root of the problem can not only help

your finances, but it can also help your relationship to thrive.

* I’m single and trying to make my budget work. How can your services benefit me?

We would love to help you set up and perfect your budget. It can be difficult to set up

and stick with a budget when you do not have someone with whom to be accountable. We all

need that accountability, especially when we are making a significant life change, and we are

more than happy to extend our services to you.

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* I’ve recently come into a large sum of money. Can you coach me on how to incorporate my

money into my life without it taking over my life?

There is great wisdom in seeking counsel from those who are wise with their money

when a windfall is upon you. Money gained in large sums quickly can be overwhelming and

can create strife and a lasting family burden. We will sit down with you and help you come up

with a plan so that your money can bless your life for years to come.

* I’m recently divorced and my budget has significantly changed. How can your services

benefit me?

Divorce takes a toll on many areas of life and finances are no exception. In fact, finances

can be one of the most stressful parts of a divorce. We can look over your monetary situation

and help you plan and adjust your budget to your new income. We know the process of

divorce is very difficult, even without the stress of figuring out a new budget and financial

plan. Because of this, we will be happy to come along side you and help you start on the right

foot.

* I want to start thinking about saving for retirement. How can your services benefit me?

Retirement seems so far away for most of our lives and then it is upon us. Saving and

investing for retirement is a must! We do not sell financial products, but we can help you plan

for when to start investing and we can give you guidance as to what type of investments to

pursue.

* I’m interested in purchasing a coaching package for someone else (my child, spouse,

friend, etc.). How may I go about paying for the service?

We can meet with the party interested in receiving our coaching services and can accept

payment from you. However, since this service is confidential, we will not be able to discuss

the client’s information with anyone outside of the coaching sessions. Additionally, we have

found that clients benefit most from this service when they pay for it. We recommend that

those who want to financially help someone go through the coaching process reimburse the

clients after the last coaching session, or that the client pay for at least half the coaching fee.

The financial coaching process requires willingness to change and we have found that clients

who pay for the service receive more benefit from it than clients who received a complete

scholarship up front.

* Someone I love is in desperate need of financial coaching but he/she is not willing to seek

financial services. What should I do?

Taking the step to seek coaching services is a big step. People who gain the most from

coaching services are those who are willing to change – not just in word, but in deed. Clients

can come and sit through sessions, but they rarely receive the rewards of the process if they

feel they were reeled in against their will. Feel free to mention our website to them and let

them check out what we offer on their own. When they own the process, they will gain so

much more than if they were coerced or manipulated into seeking help.

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* How much does Candeo Financial Coaching cost?

We care about our clients, so we want to make sure that they have received the

assistance they need to take the principles we teach and form a financially healthy future. We

have tried various session schedules and packages. We have found that this process often

takes at least three months to solidify the principles into motion for long-term benefit.

Therefore, we do not have a single session rate for financial counseling. Instead, we have

created a package that we have found benefits our clients the most.

We offer a three month support package with four one-hour sessions:

Session 1 covers topics that will explore your current financial behavior, improve

communication with your spouse (if married), lay out a life-long financial plan in

detail, and answer questions related to your specific situation.

Session 2 is where we investigate your personal financial details and help you

form a personalized cash flow plan.

o Some clients elect to have Session 1 and 2 back-to-back so they can get a

jumpstart on their finances.

Session 3 includes reviewing your finished cash flow plan, tweaking where

necessary, and understanding what drives your money decisions.

Session 4 dives into understanding investments and reviews the essential

elements of a good life-long financial plan.

In sessions 3 and 4, there will also be time for you to ask questions and get answers

about your current financial situation, relational issues with money, career questions, or any

other topic you would like to discuss about money.

Additionally, this package includes unlimited e-mail support. If you have a question

about handing your personal finances, feel free to send me an e-mail and I will be glad to

answer it. My goal is for you to learn and implement; you will get thorough answers.

So, how much is this financial coaching package? Some of our clients have come to

us who have spent over $5,000 with debt consolidation agencies - and never even received any

assistance from them. Bankruptcy and bankruptcy lawyers also cost thousands of dollars (We

have had clients who thought they were bankrupt, but not who were truly bankrupt). We

want to assist you at an affordable price:

For individuals and couples, the package is only $395. For businesses, it is only $795.

Most of our clients, however, prefer to have additional support and accountability, so

we also offer an additional month and session (four month support package). For individuals

and couples, it runs $460; whereas, for businesses, it is $925.

Payment is due in full at the beginning of Session 1. We do not accept payment plans

because we do not want to become one of your creditors - it changes the coaching relationship.

Are you ready to make changes in your life and become financially healthy?

We can show you how.

(Note: All product information, service information, and prices are subject to change without notice.)

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* What do I do now?

On the following pages, you will find our Financial Coaching Intake. If you (and your

spouse, if applicable) are interested in our financial coaching program, the individual,

couple (both people), or business owner should completely fill out a copy of the intake.

Please scan and e-mail back to ecviets@candeofc.com or mail a copy of the form(s) to:

Eric Viets / P.O. Box 11423 / Lynchburg, VA 24506

If mailing, please send me an e-mail when the Intake form has been mailed.

I will get back to you on the same day of its receipt.

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Financial Coaching Intake Date: ______________

General Information

Name: ___________________________ Male Female Date of Birth: _____________

Address: __________________________________________ Phone (home): ________________

__________________________________________ Phone (cell): ________________

E-mail: ___________________________________________________________________________

Marital Status: ______________________________________________________________________

Children (List child’s name, sex, and age for each child you have, if any):

Occupation: ___________________________________ Company: ________________________

Current Employment: Full Time Part Time Homemaker Unemployed

Retired Student (degree level, area of study: )

Highest Level of Education: Approx. current household income?____________

How satisfied are you with your job?

Place a check mark beside any descriptions of what you are currently experiencing, if any: o Anxiousness

o Confusion

o Despair

o Guilt/Shame

o Distress

o Depression

o Fear

o Thoughts of Suicide

o Withdrawing from Others

o Parenting Struggles

o Anger

o Loneliness

o Hurt

o Distance from God

o Relational Stress

If you checked any above, please explain:

Do not write below this line

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Financial Background

What is important for us to know about your finances (history and current)?

Do not write below this line

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Goals of Coaching

Please list three goals you want to accomplish during financial coaching:

1.

2.

3.

Topics of Discussion

Please list three topics you want to make sure to discuss during financial coaching:

1.

2.

3.

Spiritual Background

Discuss your spiritual background, current spiritual practices, and importance you place on

spiritual matters.

Family Background

What is important for us to know about your family (current or history)?

Do not write below this line

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Additional Questions

How familiar are you with Dave Ramsey and his principles?

How can we help improve your life/lives?

What are your goals (tangible, emotional, etc.) through the financial coaching process?

Do you enjoy reading? If so, what are you reading currently?

How would you measure success in our relationship in this financial coaching process?

Meaning, what evidence would be there at the end where you would say,

"I am so glad that I engaged in that financial coaching process!"

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Goal Setting

Give some examples where you set specific goals and accomplished them.

Where do you want to be five years from now - and how can I help you get there?

What do you specifically want to have accomplished three months from now -

and how can I help you get there?

In this process, we will assign reading and out of session assignments. Do you have the

willingness and time to complete them?

What would you like me to do if I see that you are not completing your assignments, are

getting off track, or are losing steam?

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Closing Questions

Motivation

Are there any "non-negotiables" (items that you are not willing to give up in your financial

plan [e.g., private school, extra-curricular activities, hair appointments, etc.] if the issue arises)?

How motivated are you to learn a new process and make changes in your life?

Timeframe

When are you looking to start the financial coaching process?

Referenced By

How did you hear about Candeo Financial Counseling?

Questions about Candeo Financial Counseling

Do you have any questions about Eric and/or Heather? If so, what are they?

We look forward to walking with you and helping you create a bright future!