Hire a financial coach!
As a Qualified Financial Adviser I help people make better money decisions. With my two packages below, we can get your money to work for you in just under a month!
A personal coach for your finances
Jump start your journey to financial independence with an investment coach. Just like a personal trainer, I will help you devise the most optimal plan for your profile and will coach you through proven techniques to achieve the best results.
Two packages to choose from
The "just tell me what to do" package
This package is ideal if you already have savings, are looking to get started, and want a “set-it and forget about it approach”. This is a fast-track to financial freedom.
Coming out of this program you will have:
- An emergency fund
- A balanced budget
- Extra vacation money
- An investment account
- 6 of the best ETFs on the market
- A passive income stream
- And a tailored financial plan that aligns your finances to your goals
The full package
The complete package to financial freedom. This series of 1on1 coaching sessions aims to take you by the hand and walk you through the world of investing. I won’t be using any of the complex financial jargon that your banker uses to impress you. Instead I’ll explain everything in simple and understandable English. The goal is of this program is to teach you how to invest successfully so you never need help again.
In this program we’ll cover all of the money options available to you and how they can align to your life goals. Do you want to retire at 40? Take a few years off to travel the world? Afford the luxury home or car you’ve always wanted? There’s a program for each of these money goals.
Once we identified your goals, we’ll devise a personal finance plan that will tailor only to you. We’ll review your finances, coach you into an autonomous investor, and make sure you’re investing on the best investment strategies. Don’t worry, these strategies are sound, back tested, and even appraised by Nobel prize winners. We’ll work together to enact this plan. This means, I’ll be right there with you when you open a brokerage account. I’ll show you how it works and even where to click. I’ll be right there with you every step of the way so you won’t be making any mistakes.
The whole program is delivered online via Zoom meeting will require between 8 to 10 hours of your time. In case something remains unclear, or if you have other questions, we’ll schedule another call, free of charge! This package is for you if you want to ensure you do it right.
Review of personal finances
Let's address the elephant in the room and get a fresh start.
Identify your life goals
Money is a tool. Let's see how we can use it to help you reach the life you've always wanted.
Personalized financial plan
There are too many financial rules out there. Let's get you a personalized plan that truly works for you.
Introduction to financial products
An overview of your investment options, with pros & cons.
Stock market behavior and strategies
Learn what the stock market truly is and how to make use of it!
Fundamentals of asset allocation
Arguably the most important session. We'll go over how asset allocation works and create a strategy to best achieve your life goals.
Brokerage account walkthrough
A 30 minute session where you share your screen and I will walk you through how to invest online.
Coming out of this program you will have:
- A defined money goal (even if you didn't think you had one before)
- An understanding of the money options available to you (early retirement, financial independence, buying a home, starting a business, etc)
- An actionable financial plan based on proven strategies
- A sound investment strategy to maximise returns while minimising risk
- An understanding of financial behavioral biases to never make a bad investment decision
- Opened a brokerage account
- And bought your first ETF! (if you want to)
- A personalized financial plan that you can consult forever
Who is this program for?
This 1on1 coaching program is the perfect program for you if you already have savings, are ready to start investing but don’t know where to start, and want to get your money to work for you. This program will take care of everything for you. From start to finish you’ll have a qualified adviser guiding you every step of the way.
Pricing
Learn to invest properly and successfully
THe "just tell me what to do" package
3 sessions & a plan-
Introductory call to know all about you, your circumstances, and your goals
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A second call where I will present the financial plan and we'll talk options
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Third call on plan implementation
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Bonus call 3 months later to ensure you're on the right track!
the full package
7 sessions, a plan, and unlimited email support-
Review of personal finances
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Identification of financial purpose & goals
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Introduction to financial products
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Overview of stock market behavior & strategies
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Creation of an asset allocation strategy to achieve your goals
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Step-by-step walkthrough with your online broker
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Follow-up call 3 months later to ensure you're on the right track
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A final bonus session to answer any burning questions
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Full email support throughout the program
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An 8 page personalized financial plan that you can consult forever!
For questions, drop me a message below!
Or you can book a free introductory call below.
FAQ
Do I need financial advice?
Money is your most precious asset. Money can grant you the freedom and security to live the life you always wanted. Why would you let someone else manage your financial freedom? It’s your life, your money, and your future. You owe it to yourself to learn to manage your money, and a financial coach can help with that.
Can't I just read a book on investing?
You can but investing is such a huge field that no single book will provide all the answers. If you don’t have the time (or the patience) to read dozens of book on investing and personal finance, why not hire an expert who has?
Won't a financial adviser just tell me to invest in index funds?
Buying index funds is great advice but it’s not enough. How much exposures should you have to the US market? What about European, Japanese or emerging markets stocks? Should you favor growth or value stocks? large stocks or small stocks? How much do you really need in bonds? And are your investments really tailored to your financial goals?
Your personal situation will determine your answer to all these questions. An adviser educates you to ensure you make the right decisions and lead the life you truly want.
Why should I hire you?
Not only will you be receiving coaching from a qualified adviser, but I am also 100% fee-only. This means my coaching and advice is fully independent and impartial: I will never try to sell you a product for a commission nor will ever charge annual management fees. You pay a one-time fee per package, no hidden costs!
Who can benefit from investment coaching?
Everybody can benefit but younger investors, especially Millennials and Gen Z will get the most value out of it. Starting to invest early is possibly the best financial decision you can ever make. Additionally, Gen Z and Millenials suffered through two recessions and face increasingly uncertain pension and job security. In light of this, financial security is needed more than ever before.
Who is the program for?
These packages are for you if:
(i) You want to align your finances to your life goals;
(ii) You’re worried about stock market risks;
(iii) You want to get your money to work for you;
(iv) You’re looking to invest but don’t know where to start;
(v) You want to ensure you’re investing right;
(vi) You already have sufficient savings set aside.
Why do beginners need this package?
So many reasons.
First, this package will help you define your life and financial goals. This means you’ll no longer be throwing money at dopamine-induced impulse buys. Instead you’ll be budgeting and investing towards your long term goals (fancy living on a Caribbean beach for a few months? Backpacking through Asia? Or buying your dream house? There’s a financial plan for that!)
Second, it’ll ensure you know what you’re doing. This means you’ll no longer be keeping large sums of cash to erode on a savings account. You’ll understand financial markets, why everyone should own stocks, how to use cheap online brokers, and how to build a successful investment portfolio.
Third, you’ll be properly coached into a complete investor. This means you won’t be scared of the stock market, won’t be asking yourself if the stock market is too high, nor will you panic when the market crash. You’ll have the right habits to succeed in the stock market.
And lastly, it’ll ensure that you aren’t ripped off by banks, investment firms, or shady financial advisers who are looking for an easy commission.
What don't you offer?
While I am trained to provide competent advice on loans, insurance, investments, and pensions, I specialize on investments. I review your finances, analyze your circumstances, and propose an actionable financial plan to achieve your goals.
What I do not do however, is provide any advice on crypto currencies, NFTs, or real estate. While I also provide general tax advice, this advice is generic an limited to the topic of investments. For full tax advice, please reach out to an accountant.
I will not directly manage your money for you. Instead I will guide you and ensure you are investing successfully on your own. I also do not advise on particular financial products. This means I will never advise you to invest 2000€ in Apple stocks for example. Instead, I will educate on the best investments available and show you where you can find them via an online broker.
In short, instead of selling you a fish, I’m teaching you how to fish and showing you where the best spots are!
Why can't I just invest through my bank?
Three reasons: fees, fees, and fees. Banks are notorious for charging excruciating fees. From commissions, entry fees, management fees, and exit fees, your banker will be extorting you at each opportunity.
These fees add-up, significantly. Here’s an example:
A 10,000€ investment in a low-cost index fund will grow to 452,592€ over 40 years (assuming 10% annual returns). In contrast, the same 10,000€ investment in the same product but with 3% annual fees will only amount to 149,744€.
In short, hiring a financial adviser who teaches you how to do it yourself can save you 302,000€ over the long term. I don’t know about you but, even though I do like my banker, I’m not willing to pay him that much.
Isn't investing complicated?
That’s what the financial world wants you to believe. The more they scare you, the more fees they can extort off you.
In truth, once somebody explains it to you, it’s super simple. Seriously, you’ll be asking yourself why you didn’t start sooner.
Oh and don’t worry, investing can also be low maintenance. We can set up a plan that won’t take you more than 2 to 3 hours per year.
What's the difference between a financial advisor and a financial coach?
A financial advisor can either manage your money directly for you or tell you which stocks to buy. We’re also legally allowed to sell you investment products.
A financial coach does not do any of that. Instead we equip you with the knowledge of how to do it yourself. Financial coaching is about teaching you to help you make informed decisions, create an investment plan that you feel comfortable with, and build the right habits to succeed in the stock market. Financial coaching is teaching you how to fish so you never need to buy another fish.
I already started investing, are these packages still for me?
First off, congratulations on getting started! Starting to invest is the best financial decision you will ever make. Most people never get started and they’re stuck living paycheck-to-paycheck, so props to you!
Now it all depends on which level you’re at. Are you:
(i) Focusing on dividend stocks?
(ii) Worried about a financial crash?
(iii) Engaged in a stock-picking strategy?
(iv) Unaware of your life & financial goals?
(v) Wondering how much money you need to retire?
(vi) Investing through your bank and paying high fees?
If you answered yes to any of the questions above, your investments are likely sub-optimal and you could definitely benefit from a session.
Don’t worry, you don’t have to pay full price. You can simply drop me an email explaining your situation and I’ll let you know if I can help you out!
You can reach me at: hello@theinvestorhandbook.com
Is the package worth its price?
The fees are not only fair, they’re an outstanding value for the service provided! This 1on1 program will save you a ton of money in the long term as you’ll achieve much better results. This program helps you cut corners so you don’t make the usual rookie mistakes and jump straight to a professional portfolio. Your financial success will be years ahead of your peers. Seriously, if there is one aspect where everyone should invest in themselves, it’s their finances.
In fact, this program can actually save you over 84,000€! Here’s how: if you’re 30 years old and decide to avoid this program and teach yourself how to invest, you’ll have to do a ton of research and read dozens of books before you find the ideal strategy. If you’re dedicated, you can become a complete investor in a year. If you then invest 250€ each month, you should have about 810,000€ by the age of 65.
BUT, if you get this program, you can get started within a month. This means you’ll start investing correctly much earlier and this matters. How much does it matter? Well if you start investing the same 250€ each month, but start a year earlier, you should have 894,000€ by the age of 65. This means starting to invest just one year earlier can save you 84,000€. This is the real strength of this program!
Also: it’s much cheaper than these generic online courses selling for 3000$.