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Book a free one hour virtual initial consultation to learn more about financial coaching.

www.ramseycoach.com/secure-future

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Jacine Sharpless

A Ramsey Preferred Coach

Plan for Success

Services

About Me

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Who I  Am

Hi, I am Coach Jacine and I will be your partner in achieving financial success. My mission is to provide expert guidance on debt management, retirement planning, and overall financial well-being. With a focus on empowering individuals to take control of their financial futures, I am dedicated to helping you secure a stable and prosperous tomorrow.

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A Ramsey Preferred Coach

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My Approach

Why Choose Me

At Secure Future Financial Coaching, I offer personalized financial strategies tailored to your specific goals and needs. I will guide you through effective debt management techniques and retirement savings plans, ensuring a secure and prosperous future for you and your loved ones.

Financial Coaching

Financial Freedom

Personalized financial coaching to help you manage debts and plan for a secure financial future. Providing guidance covering budgeting, debt repayment, and wealth building, ensuring you are on the right path to financial stability. Empowering you with the knowledge and support needed to achieve your long-term financial goals. Working together you will be able to confidently take control of your finances and build a secure future for yourself and your loved ones. 

Christmas in July Special

Half off 3 coaching sessions

What if for under $200 and in just 3 months you can get on the course to financial freedom and living the life you choose. Take advantage of my Christmas in July, half off special, for 3 personalized coaching sessions. All sessions are virtual over zoom.

Give me 3 months and we will work together on budgeting, debt repayment, wealth building, and retirement planning strategies to ensure you are on the right path to financial stability. Empowering you with the knowledge and support needed to achieve your long-term financial goals. Working together you will be able to confidently take control of your finances and build a secure future for yourself and your loved ones. Book today your first session, prepayment for 3 months at half off is required. After the first session I will send you a link to book the other 2 remaining sessions. (Bookings are open for August, September, October, November).

One Year Subscription

Access when you need it.

What if you had access to a personal finance coach whenever you had a question pop in your head or just needed an accountability partner from time to time? SFFC is please to offer a one year unlimited access to as needed coaching. For $300 for the year (that's just $25/month) you can have this access. 

Payment is due upfront for the year subscription; this does include the one hour virtual initial consultation so we can meet and get to know each other. After that I will send you a link to schedule time with me as you need to.

Zoom and phone calls can be done during normal office hours. 

Text and Email inquires; please give about 24-48 hour response time depending on if its sent after hours, on weekends, or on a holiday.

Are you “afraid” of online banking?

 

Have you heard the phrase “your too busy bending over picking up pennies and your letting the dollars fly over your head”? 

I’ve had several conversations recently regarding earnings on savings and how to earn more interest. When I explain about the benefits of online banking there seems to be a sudden fear and understandably so if you are used to your local bank with trusted tellers to do your banking verses a computer, internet and no smiling face there might not be that same level of trust.

 

So how do you know if an online bank is legit? Make sure before you create any account or transfer money that the online bank is FDIC insured. They will have this on their website but you can also check them out on FDIC’s online database, BankFind. This database includes both digital only and traditional brick and mortar banks. Also, don’t click on any links in an advertisement whether its Facebook or a pop up on your computer. If you see an advertisement or want to check out a bank put their name in your browser and go to their website directly.

 

What do online banks offer that my local bank doesn’t? Higher interest rates for one. A high yield savings account online currently at this time of writing is at about a true 3.8%. For example, if you deposit $10,000 your yearly interest rate of return will be about $380 

(10,000 x .038). However a local bank may advertise they offer a 3% rate of return on savings accounts however its actually .003% (10,000 x .003=$30 per year). For an extra $350 a year I would want to learn more about online banking.

 

Other benefits of online banking are the lower fees (if any fees) and the 24/7 convenience.

 

Are there any drawbacks to online banking? Since banking is digital it can take a few days for the transfers to go through - 5 to 7 business days. Its not an issue if you plan for it, always have a buffer in your primary account for unexpected expenses and that can hold you over until that money arrives in your account. Larger expense emergencies rarely need to be paid for  in full up front. 

 

Certificates of Deposit are offered by both local and online banks. Rate of return have been competitive between both. The down side of CD’s is usually that your money is locked up for that period of time you commit to with a penalty for early withdrawal. However, they are trying to change that. Some now if the Fed interest rate goes lower than your CD you can sell it and not get a penalty, actually you can make money in this case. And I also saw one with an over 4% interest rate that was flexible; if you close it out any time after 7 days from opening it you will not get a penalty.

 

As a Ramsey Preferred Coach you know I am going to say to put your 3-6 month emergency fund in a high yield savings account, once debt free max out your 401k, and if there is anything left and you want to invest please contact your financial advisor to discuss your risk tolerance, needs and wants so they can help you build a secure future that you choose.

 

Proverbs 13:11; “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.”

 

Respectfully Yours,

Coach Jacine 

NY-12, Port Leyden, NY, USA

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