Do you feel like you have a pretty good handle on your personal finances?

Maybe you just have a few questions or ideas you want to run by me?

Perhaps you just want to make sure you're on the right track?

Or maybe you have some worries/concerns you want to discuss?

Everyone needs a budget! We'll complete a very easy-to-use template that I've created on Microsoft Excel and you'll learn how to manage your finances in a very practical way.

We’ll discuss the basics of buying, selling or renting a home.

I’m a licensed and active Realtor® and I’ve been in the business since 2007. I’ll answer your questions within the parameters of financial coaching. But I won’t sell my real estate services to you nor make you feel obligated to hire me.

If you’re currently working with a REALTOR®, I won’t step on their toes or attempt to get you to hire me instead. I’ll treat your relationship with them with the utmost respect and professionalism.

At this appointment, we’ll only discuss basic information within the parameters of financial coaching. For the “secret sauce”, i.e. specific advice and strategies for your situation, you’ll have to talk to your Realtor® and/or mortgage lender.

Or you can hire me! If you’d like to discuss partnering together to achieve your goal of buying, selling or renting a house, please initiate that discussion with me.

It’s as simple as saying, “Manoj, I’d like to talk to you about your real estate services.”

Do you have a business idea, but don’t know where to start? We'll discuss your business plan, pricing and revenue models, marketing and advertising, sales forecasts and more! Or perhaps you’re thinking of joining an existing business platform like the kinds that sell supplements, candles, home products, vacation packages, etc. We’ll discuss the pros and cons, sales strategies and more so you’ll feel confident in your decision.

Are you worried about how to pay for college or graduate school?

Does the FAFSA fill you with anxiety?

Are you interested in a 529 plan but don’t know which one to choose?

We’ll discuss all your questions & I’ll refer you to Stand By Me resources who will give you expert guidance for free.

We'll create a debt repayment plan that will drastically reduce your debt repayment time frame AND the amount of money you'll pay in interest!

If you feel like you're in a financial crisis and have no idea where to start or what to do, then choose this appointment type. We'll meet, take a deep breath together and tackle your challenges one by one.

We can review the credit report I pulled for you. We can discuss how to build credit, how to improve your credit profile & scores, and more!

If you haven’t yet requested a free credit report from me, please do so here.

Do you want a free credit report?

How about one that shows 3 FICO scores (one from each credit bureau) and your full credit profile?

I’ll pull your credit report from CoreLogic Credco and I’ll email it to you!

This will be a soft inquiry, therefore it will not affect your credit scores or credit profile.

Click here to request your credit report.

Do you have questions about your student loans? Click here for more information.

Do you need a referral to a licensed financial advisor or certified financial planner? If so, click here.

Are you homeless or about to be?

Are you completely without money?

Do you need food or baby formula?

Do you need help paying your rent, security deposit, mortgage, or utilities?

If so, click here.