1. I don’t understand –I’m in trouble financially.  How am I supposed to pay you?
    Not all my clients are in trouble financially. Some are, but many are just looking to improve on what they already do. There is a whole spectrum of where someone is when they first contact me. No matter where they are, we try to get them to the next level. Most people can gather the money for a first session. More often than not through our work we are able to look at where the money you have is going and ‘free’ up some money for further sessions. If there really is nothing to work with then perhaps a family member can step in until you can get a handle on things.

  2. Are you a financial advisor?
    This is perhaps my most often asked question. No, I am not a Financial Advisor, Certified Financial Planner, Stock Broker, or CPA.  I am a Certified Financial RecoverySM Counselor.

  3. How can I be sure my info will be kept confidential?
    First, I won’t EVER ask for any account numbers or bank names when gathering your information. All I need are the types of accounts; credit card, money market, brokerage, home loan, etc., the balance and the monthly payment if there is one. All information on my clients is kept extremely confidential and nothing, including your name, is ever shared with anyone without your written permission.

  4. I don’t have any savings – do I need you?
    Yes!  Well, that is if you want to begin to build savings but don’t know where the money is going to come from. In working with me you will see where money can be found in your spending plan to be put into a savings account so you can begin to feel the comfort of knowing you have a cushion to fall back on.

  5. I don’t have any income – do I need you?
    Perhaps. If the situation is temporary, then yes. Most people, even if they do not work, have some money coming in from somewhere. Maybe you are living off of a trust fund, an inheritance, an income that your spouse is earning, or a substantial savings account. No matter where the money is coming from you are going to want to manage it carefully to get the most out of it.

  6. How do I go about helping a friend or family member?
    There are a few ways. First ask yourself if this person is open to receiving this kind of help? If they are not yet willing to admit they need help we can schedule an intervention type of meeting with them  If you believe they know they need help and are willing to accept it then you can purchase a few sessions and offer it to them as a gift. It is really an investment in YOUR future if you are in any way supporting them financially now, or think you may be later.

  7. My credit sucks – can you help me fix it?
    I am not in the business of credit repair. I have some reservations about that industry as a whole and only recommend it in very specific circumstances.

  8. Can you do a debt consolidation for me?
    No, that is not part of my services. However, after you’ve reviewed your financial situation you may decide to consolidate some debt. If you do, we can explore your options together.

  9. I have a really high income and plenty of money in the bank. Do I need you?
    You might. The question to ask yourself is not about how much or how little you have.  It is about how well you manage the flow of what comes in and what goes out. If you are saving a healthy 20% of your income but feel that with a little attention that number could be 30%, then it’s worth having a few sessions. Or, if you want to figure out a way to pay for a large trip that you want to take next year without dipping into your savings then we can work on that. It’s all up to you.

  10. I cannot get my child to be responsible with money. Do you work with teens?
    I do!  I love working with teens and college students because that is when bad habits begin. Caught early, you can really change a life. For minors, however, I do require the parent or legal guardian to be present for at least the first few sessions. 

  11. I’m good for now. I’ll call you when I have $20,000 saved so we can decide where to put that money.
    I’m pretty certain that if you start working with me now we can ‘find’ that $20,000 much faster than you would on your own. And when you have, I’ll help you find a Financial Advisor that can tell you what to do with it.

  12. Will you help me to settle with my creditors?
    If by this you mean will I call them and negotiate on your behalf, then no. I will, however, help you to understand how banks view settlement, how it will affect your credit and some possible tax ramifications. If you decide it’s what you want to do, I can advise you on how to go about opening up a dialogue with your creditor.

  13. OK… I want to at least take advantage of the free ½ hour session. What now?
    Send me an email at lisa@lisagould.com with some days that are good for you. I’ll write back with some times that are available. Or, call me at 310.874.5939 and we can talk right away.