Financial Freedom Cycle™
HF$ Associates has formulated a program, the Financial Freedom Cycle™, for individuals or couples.  The goal of the program is to enable clients to gain control of their financial future through improvements in cash management, debt management and financial planning. The 6-month program consists of 6 one-on-one coaching sessions. The sessions last approximately 1 to 1-1/2 hours and are customized to meet the particular needs of each client. Each session covers essential principles of financial freedom that will enable clients to:

• set financial goals that determine spending and saving priorities;
• evaluate their current financial condition and spending habits to determine if they are making the best use of your money;
• identify and calculate their debt and make a plan for reducing it;
• create a spending plan for meeting their financial goals and staying out of debt ;
• track their saving and spending habits to stay on course; and
• assess their overall progress and make adjustments to accelerate their discovery of financial freedom.

Monthly Financial Maintenance Coaching Plan
This plan is designed for those who have completed the Financial Freedom Cycle™ program and want to ensure they stay on track with their spending plans and financial goals. The 6-month plan provides personalized monthly financial freedom progress reviews via 30-minute telephone coaching sessions.

Personal Tax Return Planning and Preparation
HF$ Associates also offers individual/personal tax preparation services and Quicken ® training.