Ever wonder why schools don't teach personal finance?
Me too!

Imagine what would be possible if you felt more confident making financial decisions.

Coach

Kim Nevarez

Even with more than twenty five years in the banking and mortgage industries, it took me many years to learn how to eliminate debt and put it into practice in my own life. Once my husband and I created a plan and gradually gained momentum, we finally eliminated debt and are now more financially secure than ever.

The process was challenging at times but well worth it. We are accomplishing our long term financial goals and life goals. We learned a lot by trial and error. If we had learned the basics of personal finance in school, we would have had that solid foundation we were missing. Knowledge of personal finance matters helps to understand how your actions with money now, will effect your entire future, as well as your kid’s future.

For years I have found personal joy in sharing our story and helping others plan their financial independence. I not only can teach you the principals of personal finance, I know how to help you create a plan with YOUR goals in mind. And I enjoy doing it! What are your goals? Getting out of debt; gain knowledge of financial principles; understanding credit and how to protect yourself from fraud; want to understand the mortgage process? I would be honored if you trusted me to assist you with your plan to reach your goals.

Everyone needs a little help from time to time.

It’s not your fault you were not taught in school, but you can take action now to get that knowledge. Money matters can be confusing when you try to figure it out on your own. I know, I was there. I made mistakes, and it took some time to clean it up.

This is not just an issue for young people starting out, everyone can use guidance and training. If you want to learn about personal finance, or if you want assistance developing a plan for your financial future, or both… I can help you. My approach is one of kindness and honesty. I can help you hold yourself accountable, and put your plan into action.

Starting from scratch?

If you are new to managing your money, you don’t know what you don’t know. Being organized and having a plan for your money will reduce stress now, build a better future and provide opportunities you otherwise may not have.

Ready for a change?

Have you been so busy with life, you never have time to develop a plan that is easy to maintain? You know you can and should pay off debt and increase savings? You also want to be more generous with money, once your finances are in order?

What my clients are saying:

"As a homeowner and college student it is easy to be overwhelmed with bills and life, so I was in need of some help. I am at the very beginning of my financial journey and I could not be more thankful to have Kim as my guide. For the first time ever, the mountain of debt ahead of me has become easier to climb. Prior to our meetings I was worried that Kim was going to put me on a strict budget where my freedom would be limited until everything was paid off. On the contrary, she reinforced my good habits and helped me create a fluid stress-free plan where I can responsibly spend money on the things I enjoy while tackling my debt. I am beyond excited to achieve the lifestyle I have always wanted with the help of Lemonade Financial Coaching."

Luis S.

"Kim at Lemonade Financial has given me the opportunity to learn skills allowing me to live financially secure. I started working with Kim my sophomore year of college after obtaining a student loan. I was able to cash flow school once I started keeping a budget on paper. These new skills gave me the ability to pay off my student loan a few months after graduating college. Kim would be a great financial coach for anyone like me who is young and needs help saving for college or life after college. I am now about to buy a car with cash. Not even a year into my career and I am able to save up money without the pressure of loans holding me down! Kim has been extremely helpful throughout this whole process."

Sydney B.

Why would you want to talk to a Financial Coach?

We all have a plan, but a plan without action is not going to get you to the goal. Financial coaching is not only for people stressed out by money issues, it is for anyone that needs to put a plan into motion. If you think you are taking the steps needed to reach your goal, when was the last time to revisited your plan? The goals I had one year ago, five years ago and longer have changed. Have yours?

Right now, without looking at your bank account, do you know how much money you will have left in your account after you pay your bills this month? If you were laid off tomorrow, do you know how long you would be able to pay your bills (without using credit) before finding a new job?

You make decent money and you handle your money responsibly, right? You balance your checkbook, you don’t buy anything extravagant, but you still have little money left at the end of the month. Isn’t it frustrating that you are not sure where all your money went?

You will be amazed how putting your plan in writing, keeping track of your progress and revising the plan periodically will help keep you on track. Maybe you don’t have any debt, but you still can’t find the extra money at the end of the month to begin increasing wealth. Having a simple fluid plan that changes as your needs and wants change, will make a difference!

Loan Officers and Realtors

Do you have clients that need some assistance with budgeting, paying off debt, or would like general personal finance information? If you don’t have the time or resources to teach principles of finance to your clients, I am happy to help.

I worked 30 years in mortgage and banking as a Loan Officer, Processor, Underwriter and Corporate Trainer. I can do one on one training sessions with your client or I can do a presentation to a group of your clients.

I know how hard it is to get business these days. I am not here to take clients from you. I am here to help your clients so they may be in the best possible financial position when they are ready to return to you for the home of their dreams.