Financial Counseling Services

Money is one of the top reasons for divorce. A shopper marries a spender. In the beginning it is cute; however those same differences over a period of time can lead to frustration and silence. Money is the “elephant in the marriage” and in an effort to help couples succeed in the area of money and marriage, Dr. Taffy Wagner, nationally recognized Money and Marriage Advocate provides Premarital and Post-Marital Financial Counseling to reduce the number of divorces caused by money. Money is a tool that is used throughout the marriage. Get the help you deserve!

Premarital Financial Counseling – Level Two – Eight Week Session

For engaged couples who are either remarrying or marrying for the first time who are bringing several financial factors to the marriage such as child support, debt from a previous marriage, religion and finances, self-employment. Couples who desire to develop a solid financial foundation as well as problem solving skills with the guidance of a financial educator will benefit from these sessions.

Sessions will consist of the following:

Communication Skills

Budgeting

Financial Goal Setting

Religion and Money Matters as well as its impact on Marriage

Breadwinner – Bringing home the Bacon or Deal Breaker?

Life Insurance

Money Management (Who, Why and Purpose)

Steps to Preparing for Home Ownership

Health Benefits during Engagement

Credit Overview and Couple Credit Evaluation

Elderly Parents and Money

Entrepreneur or Self-Employed and Impact on Marital Finances

**Premarital financial counseling will be completed via telephone or Skype. Each week couples will be given an assignment that must be returned prior to the next session. Counseling is comprised of eight one hour sessions where couples will interact with Dr. Wagner and each other; thereby giving them a chance to ask questions and gain unbiased guidance** During the counseling period, couples will have the opportunity to email Dr. Wagner once per week outside of their designated counseling time**.

Investment: $797.00





Premarital Financial Counseling – Level One – Four Week Session

For engaged couples that want to begin the money talk and set parameters for their money and marriage. These couples are used to being independent and making their own financial choices without necessarily being accountable to anyone. They want to set a strong financial foundation as they prepare for marriage.

Sessions will consist of the following:

Budgeting

Effective Ways to Approach Saving and Spending as a TEAM

His, Hers or Ours? Do we combine accounts or not?

Debt and How to Manage Debt

Marital Finances and who should Manage them

Financial Beliefs and Attitudes

Health Benefits during Engagement

Learn communication styles and how to apply it to their relationship

Investment: $497.00





**Premarital financial counseling will be completed via telephone or Skype. Each week couples will be given an assignment that must be returned prior to the next session. Counseling is comprised of four one hour sessions where couples will interact with Dr. Wagner and each other; thereby giving them a chance to ask questions and gain unbiased guidance. During the counseling period, couples will have the opportunity to email Dr. Wagner once per week outside of their designated counseling time.**

One Hour Focused Finances Session

Engaged couples receive a one hour counseling session on two specific financial issues they need addressed before walking down the aisle.

Investment: $197.00





Post-Marital Financial Counseling

Married couples are truly on a financial journey throughout their marriage. Therefore, Dr. Taffy has changed the structure of the counseling sessions to an Ala Carte program so couples can choose which program will help them.

Money Management – Are you married to a spender? Are you married to a saver that is not even enjoying life? There has to be balance when it comes to money. What are your financial goals? What is the foundation for your finances? This counseling session will focus on

* Determining the health of marital finances
* Reviewing existing Budget
* Determine what type of communication is taking place regarding money
* Developing a sound plan for money management for today and throughout the different financial stages of life
* Understanding the TOOL that money really is
* Establishing financial goals

The session is comprised of three hours and will take place via telephone and will be recorded. Couples will receive the recorded audios for later reference.

Investment: $425.00



Get Out of Debt Counseling Sessions – Did one of you come to the marriage with debt? Or was there debt created during the marriage that is creating stress? Are you ready to remove debt and begin creating wealth? If so, this counseling session is for you. The sessions will focus on :
* Communication about existing debt
* Budget in place
* Reviewing credit report to determine accurate debt
* Creating an effective plan for getting out of debt in their present financial state.

This session is two hours and will take place via telephone and will be recorded. Couples will receive the recorded audios for later reference.
Investment: $397.00





Couples Credit Counseling – Whether you are in the market for a car, buying a home or even needing to establish credit, it is important for couples to understand credit and what it means to them and their marriage. What is the credit health of the couple? What does the husband’s credit report say? What does the wife’s credit report say? How is money being spent? Dr. Taffy will work with couples and provide them with hands on counseling regarding credit to help them understand:

* Advantages and Disadvantages of Credit
* What credit means
* Credit Report and how it affects your purchases
* Couples also receive a Credit Report Review

The session is ninety minutes and will take place via telephone and be recorded. Couples will receive recorded audios at the end of the session for later reference.
Investment: $225.00