Services | Get Financial Peace

Personal Financial Coaching

When home money is the problem

What comes in, what goes out, and whether you make it to the next paycheck. That picture comes first. A budget, a debt plan, and a small savings cushion come after we can see the month clearly.

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 the rest of the company through 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 on a pile of unmarked problems.

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 that functions like a care plan: step by step from the problems you named toward the goals you named. Stop the bleeding first.

T — Transform

Execution. The plan leaves the notebook. Habits, decisions, and operations start matching what you said you would do.

P — Prosper

A foundation that can hold weight: the plan is running, the numbers are visible, and growth is no longer a guess stacked on chaos.

FHAMMLI™

FHAMMLI™ is Doug Hampton’s framework for assessing a business quickly. He has used it for decades so the whole machine is visible before anyone starts rearranging one part. Once cash flow is on the table, coaching follows these seven parts. If a box is empty, that is data. If a box is on fire, that is the next conversation.

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

H — Human resourcesWho does the work, what they cost, and whether the bench matches the plan.

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

M — ManagementWho decides, how fast, and what gets measured instead of hoped.

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 the model can carry the bills.

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

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 behaving, we stay in the conversation. The relationship stays professional coaching: educational, non-clinical, and aimed at implementation. When a clinician, attorney, CPA, or another specialist should own a piece, we say so and help you get there.

How it starts

1. Money on the tableYou say what is failing — household, business, or both. We start with cash flow.

2. Written scopeThe agreement names the phase you are actually in. It can widen later. It does not have to start wide.

3. IndependenceThe point is a plan you can run. Not a permanent hotline for every fork in the road.

Fees are set in that agreement. They are not listed here.

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

Two services. Both start with cash flow.