Three Points Financial Coaching
Budget your income, eliminate debt and save for your future
Debt
Feeling a little overwhelmed by debt?
Student loans, car loans, credit cards and other consumer debt can become an anchor. If you could just eliminate some of these payments maybe you could get ahead. ​​
Three Points Financial Coaching is not a debt consoliidation program. We don't move debt around, or negotiate it away. We coach you through the process of paying off and eliminating your debts yourself. Putting in the work to become debt free is both gratifying and freeing.
Budgeting
Budgeting is the single most important tool to help you succeed with money everyday. It is the differnce between adding to debt each month, and having extra to put toward your goals.
Budgeting is like going to the gym. It's not complicated to understand, but doing it day in and day out can be a different story. Think of Three Points Financial Coaching like a personal trainer for you and your money. We can help you get started with your budget, but most importantly, we can help you be accountable to sticking to it.
Financial Coaching
Financial Coaching focuses on mindset and day to day behaviors. Your financial coach helps you develop and stick to a budget, eliminate any debts, and develop savings plans. Once you have savings to invest, we can coach you on the selection of a Financial Advisor to help with your investments..
Initial Consultation
The first step is a 30-60 minute phone call. If you're married, your spouse should also attend. The majority of that time will be spent understanding your current situation, issue(s) and desired outcomes. At the end of this session we will let you know if and how we can help. This step is free with no obligation on your part, and can be scheduled by clicking the button on this page.
Building your Budget
In the first month we will establish a foundation for the rest of your journey. We will build a budget together, and discuss the best ways to work with it on an ongoing basis. We will also talk about a number of principles that will shape your financial behavior, including the challenges of debt and the importance of intentionality.
Ongoing Financial Coaching
Financial Coaching is a monthly subscription service, with a typical duration being six months. Each month, our clients receive a minimum one hour call (or video chat) to review progress toward their goals, discuss any issues or challenges, and discuss steps for the coming 30 days. Questions throughout the month or requests for additional phone calls are encouraged.
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Your Financial Coach
Brad Ormesher is the founder/owner of Three Points Financial Coaching. He has been married to Jennifer since 1991 and lived the majority of that time in Round Rock, TX. Like most people, they made mistakes with money. They bought things they didn’t need, borrowed more than they should, and didn’t save enough toward major goals. The biggest mistake was not being on the same page regarding money. Brad spent hours creating budgets and tracking spending, but he did not include Jennifer in the process. As a result, she didn’t see the budget as “hers”. This went on for years, her feeling left out of the process, and him resenting that she wouldn’t adhere to a plan.​
In 2011 they took Ramsey's Financial Peace and earned how to work together on financial decisions. Since that time theyresolved their debts, sent two boys to college, paid for their home and funded retirement. ​
He has retired from a 30 year career in Technology. He is a Certified Ramsey Financial Coach and a leader in his church and local Rotary.. They are debt-free, living in their country home outside Elgin TX. She runs a travel agency, and he has been coaching people to financial freedom since 2014.
