The services to be provided by the coach to the client are financial coaching, including both one-on-one or tele-coaching, as well as email support and research services provided by the coach, as designed jointly with the client. The client understands that the power of the coaching relationship can only be granted by the client.

Financial Coaching is not investment advice, financial planning or money management. Rather, coaching seeks to empower the client through education and skill building so that the client is better able to make his/her own financial choices. Coaching services include goal clarification, brainstorming, asking questions, teaching clients how to find, understand and use tools, information and financial data widely available in the public domain (such as Morningstar and mutual fund prospectuses). The client has the right to decline or make counter offers to all coaching requests. The coach uniformly agrees to respect and maintain the highest level of confidentiality.

Financial coaching is not a replacement for financial advisory and planning services; rather it enables the client to work with financial advisers, planners and brokers more effectively. The client expressly agrees that he/she is participating in coaching as a purely voluntary activity, and that he/she assumes all investment and financial risks potential in this activity.