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We teach individuals how to properly handle their personal finances. We do not sell financial products like insurance or investments, and we do not receive compensation for any referrals. We are strictly in the business of educating and empowering people to be better with money.
We sit down with clients to review their finances, develop a written plan that works for them, and then coach them as they work their way through the plan.
Who is Financial Momentum?
Will Harbauer owns and operates Financial Momentum. Will has ten years of experience in personal finance. He started his financial journey over ten years ago when he discovered Financial Peace University and followed Dave Ramsey's 7 baby-steps.
Since then, he has instructed Financial Peace University classes at church, became a life insurance agent, earned his securities license to sell mutual fund investments (although he doesn't do this anymore), and completed Dave Ramsey's Financial Coach Master Training program.
Will and his wife Emily recently completed baby-steps 4, 5, & 6 and currently on 7.
What We Believe
We believe that poor management of personal finances (debt and not having a plan for your money) is why most middle class Americans struggle to make ends meet and is the main reason they get into financial trouble. Good and consistent money habits and planning can remedy most of these problems.
We believe that if most people follow our principles they will have the opportunity to realize their dreams and to truly, positively impact others around them.
What Is A Financial Coach?
A financial coach helps clients with money management and to develop healthy money habits. Financial coaches educate their clients on the basics of personal finance and work with them to create a financial plan that reflects their goals. This is what we do.
A financial advisor is different than a financial coach. An advisor helps clients with investments (such as stocks and bonds), tax laws, and insurance decisions. They help clients plan for short-term and long-term goals, such as education expenses and retirement. They recommend investments to match the client's goals. This is not something that we do.
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