I highly recommend Ed and his financial services and consultation. He and John Murdock have helped me tremendously over the last 4 years or so. Their advice and guidance have been rock solid. Thank-you!!

Candice Guillaudeu, MA, CBAP

Senior Technical Analyst, Veterans , Management Services, Inc.

Our trust in your counsel began with you being referred to us as Certified Financial Counselors and Endorsed Local Providers (ELP), by the Dave Ramsey organization of Nashville, Tennessee.
 
We appreciated your attitude and the professional and caring way that you approached our needs. We also found the teaching approach to your counsel helped us to recognize and attack the challenges that were before us in a systematic way.
 
One of the major hurdles we faced was that we each owned a condominium we desperately needed to sell. We had to sell them before we could proceed with the details of the budget formed as a result of your counsel. My condo was over $100K underwater, and hers at that time, was expected to be under by at least $5K. We were operating each month at over a $700 loss. You referred us to a lender and a real estate broker you thought might be helpful. Those contacts led us to another referral (also an ELP).
 
Amazingly, both properties sold within 24 hours of their listing, and the short sale was done in less than four months. We came out ahead of the sale price by a few hundred dollars on my wife’s property.
 
Now that both properties are sold, we look forward to implementing our budget by first getting our “Emergency Funds” in place, as you counseled.
 
Thanks again for your help and guidance.
R.M.

First I am a big fan of the Dave Ramsey My Total Money Makeover plan and it was through their ELP program that I found Ed and John at WayPoints Financial Services.  With a few short meetings Ed and John have helped me to improve my financial well-being a tremendous amount.  There are a number of ways that they’ve helped me but one of the biggest has been coaching me through the impulse buying, by training myself to always ask the question “What’s the opportunity cost?” when I’m considering bigger purchases.   I realize this may sound simple to a lot of people but being on my own I have no accountability, so it can be particularly hard.
 
Another aspect I  like is how they have taught me to prioritize my to-do and wish-list items.  Again this seems so simple,  and certainly working within the My Total Money Makeover framework is a lot easier.  But there are so many interesting things that one can do in this world, it can be pretty overwhelming, from advancing one’s career to traveling to exploring new methods and equipment in art and video.  I would like to get a little doggy, but I know that I will need to budget for the little thing.  So after getting my emergency fund back up over the next couple of months, I’ll then build up a Puppy Fund.  So through their coaching they have helped me to learn how to prioritize my goals much better.
 
And last but not least, their spread sheet for budgeting  is fabulous!  I’ve seen a couple of other ones and they don’t compare to the layout and ease of use in theirs.  I’m still getting the hang of quarterly expenses in it, but that’s coming along.  Ed and John, will you let us know in your newsletter if there are updates to your spreadsheet and how we can get them?
 
Many, many thanks and keep up the great work!
C.G.

“The experience John provided me and my wife was definitely well worth the money spent. Not only did he ensure a well planned out waypoint, but also made my wife a very important aspect of the program. I am sure we will thrive and achieve our goal of becoming debt free while we are in the hands of John.
v/r”
Shawn

To Future WayPoints Financial Clients, Feeling frustrated with my financial situation and not truly feeling like I have control over my finances I sought out to educate myself. I read Dave Ramsey’s “Total Money Makeover” which really opened my eyes to how badly I was using or misusing my finances. The book was great but I still felt that I needed additional help to get me started on the road to financial freedom.
I looked on Dave Ramsey’s website for local groups that would be willing to coach my on this venture and that is when I came across WayPoints Financial Services. I am a physician by training and have no formal education in the financial realm but did not need someone to tell me that I needed a lot of help.
After working with John and Ed, from WayPoints Financial Services I finally feel that I have a grasp of my finances and have a road map to my goals. From my first conversation with John and Ed it was made clear how I got myself into the financial position I am currently dealing with. They have made it easy to lay out your monthly budget and see exactly where my money is going every month. I felt that I knew where the money was going but I was wrong. Having it laid out in the easy to use spreadsheets that they have created was like night and day when compared to my old method of recall or just looking at my monthly bank statement. My the end of my time with John and Ed I truly feet that becoming financially free is a possibility and one that I am now committed to making a reality very soon.
Thank you John and Ed for helping me in an area of my life that felt like an impossibility to control and thank you for making it so easy!
Sincerely,
Neel Patel, MD

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