{"id":108,"date":"2024-12-10T12:35:34","date_gmt":"2024-12-10T12:35:34","guid":{"rendered":"https:\/\/kayadevelopmentserver.com\/fs\/?page_id=108"},"modified":"2025-01-08T16:03:28","modified_gmt":"2025-01-08T16:03:28","slug":"building-financial-resiliency","status":"publish","type":"page","link":"https:\/\/kayadevelopmentserver.com\/fs\/building-financial-resiliency\/","title":{"rendered":"Building Financial Resiliency"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-nl-bnr-1.jpg” background_position=”top_right” locked=”off” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” custom_margin_tablet=”” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Building Financial Resiliency” _builder_version=”4.27.4″ _module_preset=”default” title_font=”|600|||||||” title_text_color=”#FFFFFF” title_font_size=”42px” title_font_size_tablet=”42px” title_font_size_phone=”36px” title_font_size_last_edited=”on|phone” title_text_shadow_style=”preset1″ title_text_shadow_vertical_length=”0em” title_text_shadow_vertical_length_tablet=”0em” title_text_shadow_vertical_length_phone=”0.1em” title_text_shadow_vertical_length_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{%22gcid-cb37cc24-cdf1-4e52-9022-9563fc3cf115%22:%91%22background_color%22%93}”][et_pb_row module_id=”num-list” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text ul_item_indent=”20px” ol_position=”outside” ol_item_indent=”20px” _builder_version=”4.27.4″ _module_preset=”default” text_font=”||||||||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]We focus on developing sustainable spending and saving skills to ensure you can escape from financial fragility and meet your short- and long-term financial goals.<\/p>\n

To accomplish this, we do the following:<\/p>\n

    \n
  1. Determine your current level of monthly spending, including understanding what is discretionary versus mandatory.<\/li>\n
  2. Determine your current level of indebtedness, along with the interest rate for each outstanding loan.<\/li>\n
  3. Create spending and saving targets to pay off your debts within an acceptable timeframe.<\/li>\n
  4. Develop spending strategies \u2014 including suspending all<\/em> discretionary spending \u2014 until you\u2019re meeting your targets. This includes shifting all spending from credit to debit cards, except for true emergencies.<\/li>\n
  5. Track your monthly spending, saving, debt repayments, and outstanding loan balances and make adjustments as necessary.<\/li>\n
  6. Repeat until you\u2019re debt-free.<\/li>\n<\/ol>\n

    The goal is to increase<\/em> your financial resiliency and get you back on track.<\/p>\n

    I offer a reduced and affordable fee for those experiencing financial stress.<\/p>\n

    Questions?\u00a0\u00a0Get in touch<\/a><\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-hm-clnt-tstmnl-bg.jpg” custom_padding=”30px||80px||false|false” custom_padding_tablet=”20px||60px||false|false” custom_padding_phone=”20px||40px||false|false” collapsed=”on” global_colors_info=”{}” locked=”off”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-clnt-tstmnl-qt-dn.png” background_size=”initial” background_position=”bottom_right” custom_padding=”||14px|||” custom_padding_tablet=”” custom_padding_phone=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”What are clients saying?” _builder_version=”4.27.4″ _module_preset=”default” title_font=”|600|||||||” title_text_align=”center” title_text_color=”#FFFFFF” title_font_size=”42px” custom_margin=”||10px||false|false” title_font_size_tablet=”42px” title_font_size_phone=”25px” title_font_size_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_heading][et_pb_slider _builder_version=”4.27.4″ _module_preset=”default” background_enable_color=”off” background_image=”https:\/\/kayadevelopmentserver.com\/fs\/wp-content\/uploads\/2024\/12\/fs-clnt-tstmnl-qt-up.png” background_size=”initial” background_position=”top_left” custom_padding=”50px||50px||true|false” hover_transition_duration=”100ms” global_colors_info=”{}”][et_pb_slide _builder_version=”4.27.4″ _module_preset=”default” body_font=”||on||||||” background_enable_color=”off” global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

    The Retirement-Readiness service was just what we needed to answer our questions about planning for retirement.<\/p>\n

    [\/et_pb_slide][et_pb_slide _builder_version=”4.27.4″ _module_preset=”default” body_font=”||on||||||” background_enable_color=”off” global_colors_info=”{}” sticky_transition=”on”]We were a bit stressed about our (lack of) financial planning but Jimmy put us at ease and showed us a way forward\u2026 thanks.[\/et_pb_slide][et_pb_slide _builder_version=”4.27.4″ _module_preset=”default” body_font=”||on||||||” background_enable_color=”off” global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

    Jimmy made it simple and understandable for us.<\/p>\n

    [\/et_pb_slide][et_pb_slide _builder_version=”4.27.4″ _module_preset=”default” body_font=”||on||||||” background_enable_color=”off” global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

    We found the meeting very helpful, and appreciated your ability to be clear, concise, practical and look at a number of different perspectives, providing contrasting ways of looking at things. It was just what we needed.<\/p>\n

    [\/et_pb_slide][et_pb_slide _builder_version=”4.27.4″ _module_preset=”default” body_font=”||on||||||” background_enable_color=”off” global_colors_info=”{}” sticky_transition=”on”]We had questions about our financial advisor and Jimmy gave us an unbiased assessment that was quite helpful and turned out to save us a lot of money.[\/et_pb_slide][et_pb_slide _builder_version=”4.27.4″ _module_preset=”default” body_font=”||on||||||” background_enable_color=”off” global_colors_info=”{}” sticky_transition=”on”]Jimmy understands how stressful money is to most of us\u2026 he thinks creatively and explains it all clearly.[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    We focus on developing sustainable spending and saving skills to ensure you can escape from financial fragility and meet your short- and long-term financial goals. To accomplish this, we do the following: Determine your current level of monthly spending, including understanding what is discretionary versus mandatory. Determine your current level of indebtedness, along with the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-108","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/108","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/comments?post=108"}],"version-history":[{"count":10,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/108\/revisions"}],"predecessor-version":[{"id":530,"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/pages\/108\/revisions\/530"}],"wp:attachment":[{"href":"https:\/\/kayadevelopmentserver.com\/fs\/wp-json\/wp\/v2\/media?parent=108"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}