Services & Fees

"Personal Financial and Life Coaching"

Congratulations! You are taking an important FIRST STEP to stop living with guilt, frustrations and headaches that come with trying to manage your personal finances. You owe it to yourself and those you love to find what thousands already have: FINANCIAL FREEDOM! If you are absolutely, positively ready to beat debt and build wealth, you have come to the right place!

As you read through all that follows please remember two things: When you work with Christian Financial Ministries you will find that

1. We will pray harder for you and work more with you than you expect.

2. However, you have to be willing to go deeper and stay longer than you expect.

This life-changing, one-on-one program is are for you

• Regardless of your age, whether you are young or young at heart
• Regardless of income, be it a little or a lot
• Regardless if you're single, married, divorced or even a struggling single parent
• Regardless of your education

You will experience the environment, the knowledge, and the help you need to permanently CHANGE YOUR LIFE and your FAMILY TREE forever!

You will gain financial peace as you learn to

Recognize what financial principles and applications look like Understand how these principles and applications can work in your life Discover within you a new and growing source of strength as you memorize and meditate on "Life Issues" Bible verses Apply (hands-on) these principles and applications to your personal finances Share what you learn with others

You will receive professional

• Education (The best education media and materials from the best financial authors
• Teaching (Educators make simple things complex--but your teacher will make complex things simple!)
• Training (Hands-on applications using your personal financial situation)
• Coaching (Inquiring, questioning and accountability that helps you to think more clearly, gain alternative perspectives, and focus on your goals)
• Mentoring (Takes coaching to the next level by providing educational instruction and direction in the area of personal finance)
• Counseling (Help to understand how you and those close to you can better communicate and make financial decisions)

Although we can't make promises, following this program the average family or individual will pay off $5,300 in debt and put $2,700 into savings in only 91 days!

Are you interested? Then please read on!

There is a lot to read but you need all the facts!!

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Bible-Based

"Personal Financial and Life Coaching"

“Is ugly debt keeping you from debt free living?  It’s time to fight back!  Become debt free God’s way starting with  
“Personal Financial and Life Coaching."  

“You Cannot Experience Debt Free Living
On Your Own.  You Tried. 
It Doesn't Work!”

“You Can Experience Debt Free Living
God’s Way.   You will.  We Can Help!”

“Personal Financial and Life Coaching"
Is Your First Step Along Your Path To
Debt Free Living God’s Way!

YOU CAN ECOME DEBT FREE GOD’S WAY! NOW! ONCE AND FOR ALL!

Your "Personal Financial and Life Coaching" singularly unique experience will put you in a position to be blessed and to become a blessing to others.  How? You will receive a unique combination of the four best, most critical and time-tested prerequisites to Debt Free Living God's Way available today. You will receive ...

• Outstanding Bible-based financial education! Here you will learn or review biblical financial principles using your Bible and our "Debt Free Living God's Way" E-Book. This E-Book is a written expression of the seminar our ministry president (Rev. Bob Louder) wrote for Mr. Larry Burkett and Christian Financial Concepts (now Crown Financial Ministries). Bob and many other certified Christian Financial Concepts trainers conducted this seminar in churches and in other public forums across the United States and around the world for over ten years.
• Outstanding Bible-based financial applications! You will receive Dave Ramsey trained and certified coaching. Dave Ramsey is a Christian personal money management expert, an extremely popular national TV and radio personality, and a New York Times best-selling author. You and your coach will work through and personalize the key elements of Dave's The Total Money Makeover book and his Financial Pease University.
• Outstanding Bible-based relational coaching! Using the DISC Personality Profile Assessment, you will recognize your natural strengths and weaknesses so you can make better financial decisions and communicate more effectively about finances with those closest to you.
• Outstanding Bible-based accountability coaching over time! It takes time for you to make habits of your lifestyle adjustments. We stick with you through the whole process. When you work with us, it's not just a "one-time shot".

WHAT HAPPENS WHEN YOU BECOME DEBT FREE GOD’S WAY! 

Your spiritual and financial life starts to grow again!  Your relationships and marriage re-energize!  Creditors disappear!  Threats and fears of bankruptcy and foreclosure go away!   

How?  Become debt free, God’s way, with help, over time.  Start your personalized, "Personal Financial and Life Coaching" program today.  Become debt free God’s way and you will discover what Debt Free Living God’s Way is all about. 

***The Ugly Facts Revealed***

• More than half of all American families are delinquent on their credit card debt. (American Bankers Association).  They have no debt free program.
• Families are on track to break record-setting annual bankruptcy filings. 
• Home foreclosures are a national epidemic.
• Four out of ten adults (36%) say “it seems impossible to get ahead because of the financial debt I have.”  (Barna).  They need a debt free program to help to become debt free, including their home.
• More than 50% of all marriages end in divorce. Finances are the main "symptom" 80-90% of the time. Most single parent homes are headed by a mother earning less than $15,000 per year.  Almost 90% of all welfare recipients live in single parent homes, do not have a Bible-based debt free program and will not become debt free God’s way.  

***Even UGLIER facts revealed***

• Churches are forced to cut vital services–giving is down due to personal credit card debt and bankruptcy filings.  Few churches offer Bible-based, practical, debt free program tools to help their people learn to become debt free God’s way.   

• Missionary candidates are kept at home due to lack of support, excessive credit card debt and other credit problems.  They do not have a debt free program to become debt free God’s way.

• Only three of the 1002 adults interviewed in a recent Barna survey (less than .03%) held firm and biblically consistent beliefs.  Almost nine out of ten adults surveyed believe they know all of the basic teachings of Christianity very well.  However, when you explore what they think the Bible actually teaches, many theological inconsistencies and inaccuracies emerge.  They desperately need a debt free program to become debt free God’s way.

START YOUR "PERSONAL FINANCIAL AND LIFE COACHING "PROGRAM NOW! 

Learn to become and stay debt free with help from the professionals at Christian Financial Ministries. You will receive over 10 man-hours of personal and financial coaching to include behavioral assessments; and financial reviews, evaluations, planning, and coaching services from your Licensed and Certified Christian professional coach. This is all designed to help you get out of debt, stay out of debt, and work to build and pass on wealth.

There is a process to getting from where you are to where God would have you to be financially without feeling overwhelmed. This process absolutely won't happen overnight. The goals for this program include:

• Get on a budget and establish an emergency fund
• Pay off all your debt except for your house
• Increase your emergency fund to 3-6 months expenses

Then you will be ready to:

• Invest 15% of your household income into Roth IRAs and pre-tax retirement plans
• Establish a College funding plan
• Pay off your home early
• Build wealth via mutual funds and real estate

Here is the process you will follow:

First, you will complete and submit a detailed personal application to include

• Financial Summary Survey
• Spiritual Journey Narrative
• Financial Condition Narrative
• Personality Profile
• Detailed Personal Information
• Detailed Accounting of Average Monthly Income & Expenses
• Financial Statement (a list of what you own and what you owe)
• Detailed Creditor Information
• Copies of your tax returns for the last two years
• A recent pay stub
• A recent copy of your credit report to include your FICO score

Second, your application package will undergo a thorough review by your Personal Financial Life Coach.

Third, you will receive at least one initial fact-finding, telephone coaching consultation. During this consultation, you and your coach will schedule an extended (several hours as needed) personal coaching consultation. This consultation will be conducted face-to-face or via a teleconference and include your spouse, if you are married.

Fourth will be your extended personal consultation.

During your extended personal consultation, you and your coach will first discuss the two most critical Bible-based financial principles. You MUST learn to apply these two principles to every financial decision you ever make.

During your extended personal consultation you will also receive verbal and written personality profile results that will help you understand how

• You relate to money
• Your spouse relates to money
• You and your spouse can best relate to each other
• You and your spouse can best work together to manage your finances

During your consultation you will learn to tell your money what to do rather than wonder where it went! You will dig deep into cash flow planning as you and your coach

• Discuss our written summary of your current financial condition
• Discuss a prioritized list of immediate financial and life-style adjustment recommendations
• Review a proposed guideline spending plan.
• Establish priorities based on your needs, wants and desires
• Learn the benefits of a personalized cash spending envelope system
• Learn to better manage your checking and saving accounts
• Discuss the importance of regular "attitude checks" to help keep you motivated

You will also receive a written personalized plan that will include the following topics to help your money work for you in smart and efficient ways:

• Goal Setting
• Investments
• Insurance
• Real Estate and Mortgages
• Retirement and College Planning
• Career and Extra Jobs
• And much more

Fifth After your extended personal coaching consultation, you will receive continuing Accountability Check-Ups with your coach for at least three months...or more if you need more. Your Accountability Check-Ups will center on:

• The commitments you made during your personal extended coaching consultation
• The "Debt Free Living God's Way" E-Book you received for FREE
• Your FREE subscription to our "Personal Financial and Life Coaching" weekly newsletter.

WHAT WILL YOUR PERSONAL FINANCIAL AND LIFE COACHING PROGRAM COST?

• You and your coach will mutually decide on a fee based on your personal financial situation and your gross annual combined family income.
• Scholarships may be available. 

There is one other important bit of information for you to consider. 

• Because we stress quality not quantity of ministry services,
• We limit our “Personal Financial and Life Coaching" program to only 5 individuals or couples per month. 

ARE YOU ABSOLUTELY, POSITIVELY READY TO START TO GET OUT OF DEBT, STAY OUT OF DEBT AND WORK TO BUILD AND PASS ON WEALTH GOD'S WAY?

Then prayerfully complete and send us your “Personal Financial and Life Coaching" application package.  One of our coaches will then give you a call to answer any question you may have and work with you to set up a consultation schedule.

OR

Call and speak directly with your coach (678-797-9444 or 1-800-895-0512, 10:00 A.M. to 3:00 P.M. Tuesday, Wednesday or Thursday Eastern Standard Time). Get your questions answered then complete and send us your “Personal Financial and Life Coaching" application package.

Take your first step toward debt free living God’s way.  Now!

MEET YOUR COACH

Rev. Bob Louder: Financial teacher, trainer, coach, mentor

Rev. LOUDER

• Distinguished Military Graduate from the University of Nebraska--Retired US Air Force Lt. Colonel.
• BA (Business Administration) University of Nebraska, MBA University of North Dakota
• Licensed Minister The International Ministerial Fellowship
• Certified Christian Financial Concepts teacher and trainer
• Certified Dave Ramsey Counselor
• Certified Credit Counselor--National Association of Certified Credit Counselors
• Certified Business Coach--Logos University
• Organizations: American Association of Debt Management Organizations, Georgia Christian Counselors Association, Christian Legal Society, American Family Association, American Association of Christian Counselors.
• International financial teacher, trainer, counselor, consultant and mentor
• Developed five start-up ventures into profitable small businesses
• Developed instructional/media materials for Christian Financial Concepts and Focus on the Family
• National and statewide newsletters--national radio/TV experience
• Founder and President of Christian Financial Ministries
• Bob believes that God has placed a desire in his heart to help others realize their financial strengths and weaknesses. He is passionate about coaching others in ways to apply God's principles together with practical applications in order to overcome obstacles and challenges in their finances.
• "I continue to rely on God's Word and apply His biblical financial principles in my life today. God's plan to get out of debt and stay out of debt really works! Let me show you how!

WHAT OTHERS ARE SAYING…

We have been helping God’s people who are absolutely, positively ready to get out of debt and/or work to build and pass-on wealth since 1987.  Here are some unsolicited reports from folks just like you.

“I love being debt free!  No material possession is worth the agony of debt.  Thank you for helping me reach what I once thought was an impossible dream.”  Linda S.

“God has used you in a might way.”  Teresa

“…Thanks to all the good folks at CFM for helping my wife and I through some very difficult financial times.  Through your help, being the hands and feet of Jesus, our family was able to avoid bankruptcy and get back to a positive financial picture.”  Doug and Christy

“Randi and I wish to thank you all at CFM.  Although we still struggle with our finances we can see a light at the end of our tunnel.”  Randy and Casse

“Thank you for your prayer today.  Work is going much better.  I know that God led me to CFM and that He is watching over me.  Thanks again for all your help and prayers.”  Cassie

“Working with you was an attitude changing experience.  Thank you so much for your dedication and insight into God’s Word.”  Mark

WHAT ABOUT YOU? 

Are YOU and YOUR FAMILY really ready for Debt Free Living God’s Way? 

Are you finally ready to give up trying to do it your way and are now ready to try it God’s way? 

THEN START TODAY!!

Give us a call (1-800-895-0512).  We’ll answer all your questions.  OR, send us your completed “Strategic Financial Planning" application package and we will give you a call.                                                                     

EITHER WAY, START TODAY!!  You will be blessed and be in a better position to be a blessing to others. 

AND DON’T FORGET 

Your copy of our “DEBT FREE LIVING GOD'S WAY" E-Book and our "Personal Financial Life Coaching" weekly newsletter are yours ABSOLUTELY FREE when you sign up for your
“Personal Financial and Life Coaching" program.

By the way, your FREE E-Book will help you discover…

• How to let God lead you into debt free living, instead of letting your finances lead you into financial bondage!
• What a Bible-based, debt free living program looks like.
• That to build and pass on wealth, you must first become debt free.
• The two critical biblical principles you MUST apply to EVERY financial decision as part of your debt free program.
• The best Bible-based debt free program learning resources.
• Practical tools you can use to help navigate your debt free program.
• One location to receive BOTH the best Bible-based debt free living program learning materials AND the best Bible-based debt free living practical helps.
• What steps to take today to start to become debt free, instead of making wishful thoughts for tomorrow! 
• And soooooo much more.

Are you absolutely, positively ready to get out of debt, stay out of debt, and build wealth God’s way?

Then get sign up for your "Personal Financial and Life Coaching" program and get your Free E-Book and Newsletter subscription

CLICK HERE FOR YOUR application package.

Call (678-797-9444 or 1-800-895-0512) or send in your application package TODAY.

Note: Please remember that because we are interested in quality, not quantity, Bob only accepts 5 new clients each month so call now.

So pray about calling or sending in your application package today.  You will be blessed!