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Financial Coaching

Ready to tackle the anxiety and emotions preventing you from being succesul with your money?

Here’s How I Can Help

Does it feel impossible or confusing to get your dream financial future? Whether you’re trying to destroy debt, pay off your home early, or give more, I can help you create a plan that sets you up to win with money. Will you let me help you?

What Is A Financial Coach Master Training?

A Ramsey Solutions Master Coach Trainer is an professional in your area that has  completed Mastery Training in Coaching of Dave Ramsey’s 7 Baby Steps.

Why Use A Financial Coach Master?

Master Coaches have taken specialized training and share the same philosophies with you that Dave teaches on the air everyday. Dave’s team has trained them to work serve his listeners with great customer service and with the heart of a teacher.

The 7 Baby Steps- A Proven Plan

We believe if you want to win with money, you can’t do what you have always done. You need a plan that works. The 7 Baby Steps work because it is a clear path to know where you are and where you are headed next. It is not a simple fix to making you wealthy, but we believe if you follow each step in order and with great focus and intentionality it will change your life.  As a Ramsey Master Coach we are your guide to helping you be succesful in your plan. As a Fee Only CFP® we can also help you implement some of the planning to provide an end to end approach to help you stay on track for the long term.

Baby Step 1: Save $1,000 for Your Starter Emergency Fund

In this first step, your goal is to save $1,000 as fast as you can. Your emergency fund will cover those unexpected life events you can’t plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!

Baby Step 2: Pay Off All Debt (Except the House) Using the Debt Snowball

Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put them in order by balance from smallest to largest—regardless of interest rate. Pay minimum payments on everything but the little one. Attack that one with a vengeance. Once it’s gone, take that payment and put it toward the second-smallest debt, making minimum payments on the rest. That’s what’s called the debt snowball method, and you’ll use it to knock out your debts one by one.

Baby Step 3: Save 3–6 Months of Expenses in a Fully Funded Emergency Fund

You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3–6 months of your expenses. This will protect you against life’s bigger surprises, like the loss of a job or your car breaking down, without slipping back into debt.

Baby Step 4: Invest 15% of Your Household Income in Retirement

Now you can shift your focus off debts and what-ifs and start looking up the road. This is where you begin regularly investing 15% of your gross income for retirement. Because if you’re still working at 67, it should be because you want to, not because you have to. Once you have gotten to this step is where we focus on more comprehensive financial planning.

Baby Step 5: Save for Your Children’s College Fund

Please Remember Step 4, before diving into this Step as you can’t get financial aid for Retirement. By this step, you’ve paid off all debts (except the house) and started saving for retirement. Next, it’s time to save for your children’s college expenses (that is, if they pass Algebra II and Chemistry). We recommend 529 college savings plans or ESAs (Education Savings Accounts).

Baby Step 6: Pay Off Your Home Early

Now, bring it all home. Baby Step 6 is the big dog! Your mortgage is the only thing between you and complete freedom from debt. Can you imagine your life with no house payment? Any extra money you can put toward your mortgage could save you tens (or even hundreds) of thousands of dollars in interest

Baby Step 7: Build Wealth and Give

You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else. Keep building wealth and become outrageously generous, all while leaving an inheritance for your kids and their kids. Now that’s what we call leaving a legacy!

A Refreshing Twist on Financial Planning & Asset Management

I have the heart of a teacher, not the attitude of a salesman. I’m someone you can feel comfortable talking to and someone you can trust. We’ll work together to create a plan to help you reach your goals. We are very confident in our services so we list our prices so they are easy to see. Click Here to see our Transparent Pricing

I Care About Your Future

I’m more than a “financial planner”—I’m someone you can relate to and share your dreams with. I fit your investments to your life, help you understand what you’re investing in and why, and encourage you to stick with your long-term goals.
Who Is Dave Ramsey?
Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover. In his latest book, a follow-up of his enormously successful New York Times best-sellers Financial Peace and More Than Enough, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.
Image displaying Fee Only Raleigh Financial Planner Mark Kelly, Founder of University Financial Strategies

Would You Like Help Creating A Plan For Your Child's College Fund Or Your Own Retirement Needs?

We Help Families & Individuals Create Financial Plans For Success.

Mark Kelly, Certified Fee-Only Raleigh Financial Planner™

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At University Financial Strategies our mission is to help families think beyond just saving for college, but helping leverage strategies that leverage your unique situation to help you save on college costs. We take into consideration topics like specialized college-planning strategies for business owners, planning for financial aid, school-specific scholarships, coordinating college planning with grandparents, cash-flow strategies and options for covering shortfalls, to name just a few.

Address

4801 Glenwood Avenue
Suite 200-630
Raleigh NC 27612

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