Financial Finesse Consulting

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Execution (Session 2 & 3)

1. Session 2 (Design): Build zero-based budget, automation rules, sinking funds, and debt reduction method (snowball/avalanche chosen with justification).

2. Session 3 (Implementation & Accountability): Set up automation flows (bill pay, savings transfers), introduce budgeting tools (spreadsheets or apps), establish reporting cadence.

Detailed Steps

• Create a categorized cash-flow model (income, housing, transport, food, debt, discretionary, savings).

• Assign every dollar purpose; set realistic targets for saving rate and debt payments.

• Automate: primary checking for bills, savings account for emergency, investment or long-term savings.

• Implement a debt attack schedule and recordkeeping template.

• Provide scripts for renegotiating bills (phone, utilities, cable).

Deliverables

• Personalized Budget Workbook (spreadsheet + PDF instructions).

• Automation checklist and setup guide.

• 90-day accountability calendar.

Timeline

• Three sessions over 2–6 weeks.

• Behavioral adoption: 30–90 days.

Execution (Day 4–30)

1. Prioritize items by removability and impact (inaccuracies first).

2. Draft and send dispute letters per creditor/agency using FCRA/FDCPA templates (include certified-mail instructions if client will mail).

3. If balance negotiation needed, draft settlement offer templates and vendor negotiation scripts.

4. For identity theft or mixed file issues, prepare identity theft affidavits and step-by-step remediation plan.

5. Enroll client in credit-building action plan: secured card recommendations, authorized user strategy, small installment loan (credit builder) plan.

6. Track responses and update dispute tracker; escalate unresolved items to legal review if required.

Deliverables

• Credit remediation roadmap (PDF) with action items, timelines.

• Dispute letter templates and a log of submissions.

• Monthly progress report showing score/derogatory item changes.

• Credit rebuilding checklist (products to apply for, utilization targets).

Timeline

• Initial audit: 72 hours

• First wave disputes: 7–14 days

• Material improvement: 60–180 days (varies by cases resolved and new positive reporting)

Design & Execution (2–4 weeks)

1. Construct flowchart (visual) of proposed holding structures — e.g., Holding Trust → Holding LLC → OpCo / IP LLC → Offshore entity (if needed).

2. Recommend entity types (irrevocable trust, land trust, LLC series, PMA) and explain legal, tax, and privacy tradeoffs.

3. Credit structuring: personal vs corporate lines, recommended vendor relationships, and leverage pathways.

4. Asset protection steps: retitling guidance, qualified trustee selection, insurance layering (umbrella, E&O), and creditor claims mitigation.

5. Compliance checklist and proposed timeline for implementing each layer.

Implementation options

• Provide “document pack” draft language for counsel (trust instruments, operating agreements).

• Recommend service providers (custodians, trust attorneys, offshore administrators) or coordinate introductions.

Deliverables

• Wealth Blueprint (diagram + detailed written plan).

• Implementation Checklist with sequencing, cost estimates, and roles.

• Risk matrix (legal, tax, liquidity, reputational).

Timeline

• Delivery within 14–28 days; phased implementation typically 1–6 months.

Client responsibilities

• Provide honest goals, fund the recommended entities, sign/appoint trustees & managers as required, work with recommended legal/tax partners for filings.

Execution (2–6 weeks)

1. Draft documents reviewed with client and counsel.

2. Finalize and execute (notarization/witnesses) per jurisdictional requirements.

3. Obtain EIN and optionally register with banks.

4. Establish administrative systems: minutes template, member ledger, trustee meeting cadence, accounting setup.

5. Training: how to operate trust/PMA, member admission, maintaining private records and compliance with applicable laws.

Detailed Steps

• Choose governing law and trustee domicile.

• Draft trust declarations or PMA rules including dispute resolution, membership terms, fees, and exit clauses.

• Implement banking: open entity accounts with required resolutions and documented authority.

• If PMA: create member onboarding packets, member ID cards, membership fee processing.

Deliverables

• Executed Trust Instrument or PMA Charter + Bylaws.

• Operating manual (SOP) for administration.

• EIN & banking starter pack.

• Member onboarding packet (for PMA).

Timeline

• Typical: 30 days for domestic; 6–12 weeks if complex or cross-border.

Client responsibilities

• Appoint trustees/officers; fund trust accounts; maintain records; comply with local tax laws.