2280 W William St
Delaware, OH 43015
When Bryan left active duty military in the early 80's, he obtained a job making $5 per hour. Bryan did what everyone expected by purchasing a home. Interest rates were around 16%. Times grew very tight, so he sold his $1200 car, bought a $200 car, and worked 2-3 jobs in an attempt to make ends meet. With his housing costs comprising over 60% of his budget, he eventually had to rent out his home and move in with his parents to financially survive.
Bryan married Brenda in 1986, and they began their journey to financial freedom when they began listening to radio broadcasts and reading books authored by Larry Burkett of CFC (Christian Financial Concepts, now known as Crown Ministries).
In 1991, Bryan went through the process of becoming a CFC Certified Counselor. He then began counseling families at a local ministry and facilitating the CFC programs in his local church. In 1998, he developed and began using his own financial training materials. In 2007, Bryan completed the Dave Ramsey Certified Counselor Training Program and continued working with families to better understand and manage their finances.
Bryan has developed a number of financial training materials for individual coaching, seminars, and with the latest being his web-based Balance Up program. These steps include not only financial steps but also key areas such as life goal setting, life balance, time management, prioritization management, and procrastination management.
Bryan spent 25 years with a Fortune 125 company in various roles and areas including Insurance Agent, Claims Adjuster, Business & Technical Consultant, Corporate Training, Product Manager, and Project Manager.
Bryan is a veteran of the United States Coast Guard and a graduate of Mount Vernon Nazarene College with a degree in Business Administration. A big believer in continued education, he spends a minimum of ten hours per week in self development via books, podcasts, seminars, etc. Bryan is the father of three money conscious teenagers (well . . . most of the time) and loves taking trips to the family cabin with his family.
Balance Up - Eight Steps to Maximize, Energize, and Organize Your Financial Life
1. Know your financial condition.
2. Determine your goals. Think LONG-TERM.
3. Make the best financial decisions; calculate the REAL cost of every purchase you make.
4. Create your spending plan – maximize your income.
5. Create and maintain life balance.
6. Establish your Emergency Fund (EF) of $1,500.
7. Eliminate your debt (except the house).
8. Establish your Emergency Living Expense Fund (ELEF).
(3-6 months of living expenses. If unemployment is greater than 8%, 5-8 months of living expenses).
*Future Up – Six Steps to Prepare You for Your Future
9. Invest 15% of your income for retirement.
10. No new/additional debt.
11. Invest in college funding for your children.
12. Pay your home off early.
13. Invest in your future.
14. Share additional resources with others.
*Future Up - coming 2012
The information provided is believed to be reliable, but its accuracy and completeness are not guaranteed nor are any specific results guaranteed. It is provided with the understanding that the counselor/coach is not engaged to render legal, accounting or other professional advice. Since your situation is fact dependent, you must additionally seek the services of an appropriate licensed legal, accounting, or investment services. We do not sell investments, insurance or other financial products.
In accordance with IRS Circular 230, any US federal tax information provided is not intended or written to be used to avoid tax penalties that may be imposed on the recipient or any other taxpayer, or to promote, market or recommend a partnership, entity, investment strategy, arrangement or other transaction addressed herein.