Services | Get Financial Peace

Personal Financial Coaching

When home money is the problem

What comes in, what goes out, and whether the money lasts until the next paycheck. That comes first. After that we may add a budget, a debt plan, or an emergency fund — whatever the situation calls for.

This is not a business plan. If a job or side work is draining the household, we still start with the family’s money unless you hire Business Advisory on purpose.

Business Advisory

When the business is the problem

For owners, self-employed people, and people deciding whether to start or rebuild a business. Sales are not the same as cash in the account. Payroll still has to clear. We start with cash flow, then look at seven parts of the company (FHAMMLI™).

More than 80% of businesses that fail do so because of cash-flow problems — not because the product was bad. That is why cash flow is the first question.

This is not a family budget with the business name on it. Home bills may come up if they are draining the company. The work is still the business.

OSTP™

OSTP™ is the path through the work: Organize, Stabilize, Transform, Prosper. Household or business, the phases stay the same. You do not skip to prospering while problems are still unnamed.

O — Organize

Get the facts in one place. What is actually happening, what is broken, and what “better” would look like. Clarity before advice.

S — Stabilize

A cash-flow plan, step by step, from the problems you named toward the goals you named. Steady the month first.

T — Transform

You start doing the plan. Habits, decisions, and day-to-day work begin to match what you said you would do.

P — Prosper

The plan is running and the numbers are visible. Growth is no longer a guess on top of confusion.

FHAMMLI™

FHAMMLI™ is Doug Hampton’s framework for assessing a business quickly. He has used it for decades so the whole company is visible before anyone starts changing one part. Once cash flow is on the table, coaching follows these seven parts. If one of the seven parts is missing, we note that. If one of them is causing the cash-flow problem, we start there.

F — FinanceCash, debt, reserves, and whether growth is funded or guessed.

H — Human resourcesWho does the work, what they cost, and whether you have the right people for the plan.

A — AccountingWhether the books can be trusted enough to make a decision this week.

M — ManagementWho decides, how fast, and what you actually track — not what you hope is true.

M — MarketingHow work is found, what it costs to find it, and whether demand is real.

L — Legal structureHow the business is formed and protected — and what that means for risk and money.

I — Industry / offerThe product or service itself: what you sell, to whom, and whether what you sell can pay the bills.

You do not buy seven separate coaches. You get one cash-flow-first look at the whole company.

What often happens next

About half the time, nailing down money and cash flow pulls other parts of life onto the table — work, routines, stress, housing, family, health habits. That is not a third package on this page. It is what the work does when the numbers are finally honest.

If those issues are what keep cash from working, we stay in the conversation. This is professional coaching and education — not medical care or therapy. When a counselor, attorney, CPA, or another specialist should handle a part, we say so and help you get there.

How it starts

1.You say what is not working — household, business, or both. We’ll start with a cash flow review.

2.We write down what we will work on. We can add more later. We do not have to start with everything.

3.The goal is a plan you can follow without calling every week.

Fees are set in that written agreement. They are not listed on this page.

Nurses and nurse-owned practices can start with the cash-flow assessment at financialpeacefornurses.com.

If you don’t see a clear fit…

Cash is tight, everything feels mixed together, and the anxiety about what to do next won’t quiet down. Most people reach out at exactly this point. A short conversation can sort what is going on and move toward financial peace.

The first conversation separates the issues and looks at the money pressure. No long list. No promise of a quick fix. Just a clear next step.

Two services. Both start with cash flow.