What Is Financial Counseling? A Holistic Alternative to the Money Management Mindset Holistic Financial Counseling 0DQ\ ÀQDQFLDO DGYLVRUV IRFXV SULPDULO\ RQ PRQH\ +RZPXFK RI LW \RX KDYH ZKHUH \RX KDYH LW LQYHVWHG DQG VWUDWHJLHV \RX FDQ HPSOR\ WR KHOS JURZ DQG SURWHFW LW )LQDQFLDO DVVHWVDUHRI FRXUVHFULWLFDO WRDQ\SODQQLQJGLVFXVVLRQ +RZHYHU WKHNH\GLIIHUHQWLDWRURI KROLVWLF ÀQDQFLDO FRXQVHOLQJ LV WKDW ZH WDNH LQWR DFFRXQW \RXU HQWLUH OLIH SLFWXUH QRW MXVW \RXU ÀQDQFHV :KHQ ZH WDON DERXW PRQH\ ZH GR VR ZLWKLQ WKH FRQWH[W RI \RXU OLIH DQG KRZYDULRXV ÀQDQFLDO SODQQLQJGHFLVLRQV LPSDFW WKHSHRSOH \RX ORYH 2XU IRFXV H[SDQGV EH\RQG LQGLYLGXDO ¶FRUH· FOLHQWV WR LQFOXGH WKHLU FKLOGUHQ SDUHQWV DQG H[WHQGHG IDPLOLHV Financial Counsel Begins with Listening 7KH PRVW LPSRUWDQW WUDLW LQ DQ HIIHFWLYH ÀQDQFLDO FRXQVHORU LV WKH DELOLW\ WR OLVWHQ ZLWK DQ HPSDWKHWLF DQG GLVFHUQLQJ HDU 2XU ÀUVW FRXQVHOLQJ VHVVLRQ LV \RXU RSSRUWXQLW\ WR VKDUH \RXU VWRU\ ZLWK XV 'XULQJ WKLV PHHWLQJ RXU SULPDU\ UROH LV WKDW RI WKH SXUSRVHIXO OLVWHQHU XQGHUVWDQGLQJ WKH SHRSOH ZKR JLYH \RXU OLIH SXUSRVH WKH FKDOOHQJHV WKDW NHHS \RX DZDNH DW QLJKW DQG WKH YLVLRQ \RX KDYH IRU WKH IXWXUH $V RXU ÀQDQFLDO FRXQVHOLQJ UHODWLRQVKLS SURJUHVVHV ZH DSSO\ WKRXJKWIXO DQDO\VLV WR VHOHFW SODQQLQJ WHFKQLTXHV WKDW ZLOO EHVW VHUYH WKDW YLVLRQ :H FDOO WKLV ÀQDQFLDO FRXQVHOLQJ IRU OLIH Financial Counselors for Life +ROLVWLF ÀQDQFLDO FRXQVHOLQJ IRFXVHV RQ FXOWLYDWLQJ UHODWLRQVKLSV QRW FRXQWLQJ WUDQVDFWLRQV :H DUH LQ WKH SHRSOH EXVLQHVV³WKH EXVLQHVV RI LQWHJUDWLQJ OLIH SULRULWLHV SHUVRQDO YDOXHV DQGÀQDQFLDO UHVRXUFHV ,Q D ÀQDQFLDO FRXQVHOLQJ UHODWLRQVKLS \RXZRUN ZLWK SURIHVVLRQDOV \RX FDQ WUXVW :H EXLOG WKDW WUXVW E\ PDNLQJ RXUVHOYHV DYDLODEOH WR GLVFXVV DQ\ OLIH LVVXH WKDW PLJKW DULVH :H ZDQW \RX WR IHHO FRPIRUWDEOH JLYLQJ XV D FDOO ZKHQHYHU \RX QHHG D OLWWOH H[WUD FODULW\ RU JXLGDQFH /LIH LV PHVV\ DQG KROLVWLF ÀQDQFLDO FRXQVHOLQJ HPEUDFHV WKDW FRPSOH[LW\ UDWKHU WKDQ UHGXFLQJ LW WR VRPH QXPEHUV RQ D VSUHDGVKHHW :H DUH +HULWDJH )LQDQFLDO &RXQVHORUV DQG ZH ORRN IRUZDUG WR KHDULQJ \RXU VWRU\ :H OLYH LQ DQ LQIRUPDWLRQ ODQGVFDSH GRPLQDWHG E\ VRXQGELWHV KDVKWDJV DQG EX]]ZRUGV ,QGHHG WKH VKHHU VL]H RI DFFXPXODWHG KXPDQ NQRZOHGJH DYDLODEOH WR HDFK RI XV DW WKH SUHVV RI D NH\VWURNH GHPDQGV VRPH VRUW RI GLVWLOODWLRQ SURFHVV +RZ HOVH DUH ZH WR PDNH VHQVH RI WKH ZRUOG" %XW RXU ZRUGV LGHDV DQG YDOXHV EHJLQ WR ORVH WKHLU VLJQLÀFDQFH ZKHQ ZH OLPLW GLDORJXH E\ FKDUDFWHU FRXQW +ROLVWLF LV RQH VXFK ZRUG WKDW VLJQLÀHV D YDULHW\ RI WKLQJV DFURVV D UDQJH RI ÀHOGV :H ZRXOG OLNH WR WDNH D IHZ PRPHQWV WR GLVFXVV ZKDW KROLVWLF ÀQDQFLDO FRXQVHOLQJ PHDQV DQG KRZ LW RIIHUV \RX D GLIIHUHQW DSSURDFK WR DFKLHYLQJ \RXU IDPLO\·V JRDOV Visit us online at ZZZ KHULWDJHȴQDQFLDOFRXQVHORUV FRP Heritage Financial Counselors 442 Main Street (Route 202) Bedminster, NJ 07921 2ɝFH FKDUOLH#KHULWDJHQM FRP | QDQF\#KHULWDJHQM FRP By Charles P. Weidman, CFP®, MBA, and Nancy Mulvey, CFP®, MBA