Doug Stephens, MBA

Doug Stephens, Dave Ramsey Counselor in Dallas, Texas answers the most commonly asked question. That is, Can a Dave Ramsey Financial Counselor help me?

The simple answer is that a Dave Ramsey financial counselor can help anyone. Dave’s 7 Baby Steps make it simple to prioritize your goals and take action…NOW.  Following the 7 Baby Steps to financial peace is straight forward and chock full of good old common sense. No crazy formulas or complicated strategies here.

People often ask me if they need to attend Financial Peace University or read Dave’s books to participate in financial coaching. Absolutely not !  The job of a Dave Ramsey counselor is to help you get started on the road to Financial Peace immediately. The key is to coach you and start with the basics right away. In my Dallas practice, I help clients develop a budget and begin working on a Debt Snowball. We discuss techniques for handling money and avoiding credit card debt. We also spend time working on a plan to build wealth.

You do not need to be in financial distress to benefit from financial counseling. Maybe you are just wondering how to pay for college or save for retirement. Perhaps you are unsure about where you should invest your money.  You may ask,” should I put it in a 401K Plan or a Roth IRA?” Counselors use Dave Ramsey principles to answer just such questions We also lay out an  investment strategy  that will answer all  these questions in the future. A Dave Ramsey counselor can help identify and avoid common investing pitfalls that affect everyone.

Successful financial counseling is based upon finding realistic ways to improve your finances. Counselors review your financial situation in detail and recommend actions. The emphasis is on improving your future. Past mistakes and assigning blame have no place in this process. The counselor’s focus is on where the client stands today. The task, then, is to help clients achieve their personal financial goals. A plan is tailored to individual needs using the 7 Baby Steps.

Financial coaching can be particularly useful for couples. What better way to develop common goals and a plan for achieving them? In most couples one spouse manages the money and the other spouse is sometimes clueless. When couples attend financial counseling together it helps both of them understand their total financial picture. They can then understand their individual roles in making the family’s financial dreams come true.

Working with a counselor can simplify your life, improve your finances and relieve tons of stress. As a Dave Ramsey Certified Counselor my goal is to help you manage your finances as simply as possible. With the 7 Baby Steps we can clean up any problems and point you down that road to Financial Peace.

 Dallas Financial Coach Doug Stephens, MBA,  is a Dave Ramsey Certified Counselor serving Dallas, Texas and the DFW metroplex. He specializes in financial coaching with individuals and small businesses. He has 30 years of hands on experience with investments and personal financial management.  His specialty is providing real world advice tailored to the unique needs of individual clients.