Personal coaching services are available for individuals or couples. Every new coaching client must first enroll in a Discovery Session in order to determine the best course of action. Clients are allowed (and encouraged) to engage in the group services and workshops prior to or in conjunction with personal coaching, but it is not required. Enrollment in other services, however, will NOT take the place of the Discovery Session.
Monthly Hands-On Application: Personal
This is designed for clients who desire a little extra hands-on application of the plan we set in place but ultimately plan to take over the tasks. On each client pay period, a coach will meet virtually with the client to help allocate every dollar of their paycheck to ensure that the client meets the goals they set out to meet all while fulfilling their financial obligations and maintaining a positive balance.

Personal Money Assistant
There are many people who are not detail oriented and would rather delegate the day to day tasks of managing and paying bills to someone who is. However, because the philosophy at CIOC is that you understand the reasons behind your spending decisions, the first few months of this service will require increased client participation to ensure that the will of the client is being done.

3-mo, 6-mo, & 1-yr All-inclusive Programs

Real change requires many things, but THE MOST IMPORTANT ingredient to creating long-term change is CONSISTENCY. These all-inclusive packages will provide you all of the tools, support, accountability, and consistent hands-on help necessary for you to create sustainable, long-term change, resulting in unthinkable results!