Conscious Money Solutions
4211 W I-40, #201
Amarillo, TX 79106
(806) 352-3917
Asset Management
2201 Civic Circle, Suite 925
Special Projects
Basic Check-Up
CONSCIOUS MONEY SOLUTIONS provides comprehensive, personal financial planning from a “Life Planning” perspective.
Life planning is a process of...
1) helping people focus on the true values and motivations in their lives;
2) determining the goals and objectives they have as they see their lives develop; and,
3) using these values, motivations, goals, and objectives to guide the planning process and provide a framework for making choices and decisions in life that have financial and non-financial implications or consquences.
Rather than devote attention solely to your money, we strive to understand you, your world, your life, your dreams, and the legacy that you desire. When these things come in to focus, the process of directing your money towards the things that matter most can begin.
"Practical Applications of Life and Retirement Planning to Financial Planning," a White Paper published by the National Endowment for Financial Education and available at www.nefe.org.
Your World • Your Life • Your Dreams • Your Legacy
While so many struggle trying to make their lives work around money, we help our clients gain the skills and understanding needed to make money work for the life they want.
As Financial Life Planners™ we understand that money decisions are not just based on facts and logic, but are also colored by beliefs, emotions, and experiences. Financial Life Planning™ explores those beliefs, feelings, and core values. By doing so, we are better able to help focus your finances on the things in life that matter most to you. Our process is client-centered and is based on your unique values, goals, and aspirations.
"Money is inescapably interwoven into the fabric of a clients relationships, dreams, fears, loves, hates, successes, failures, and struggles. It is one of the few elements of life that has an effect on every aspect of existence, from meeting basic needs for food and shelter to satisfying the higher order needs related to the meaning of life and a spiritual connection. Money affects, either directly or indirectly, all aspects of ones life."
Facilitating Financial Health
by Brad Klontz, Rick Kahler, and Ted Klontz
We seek to create a path that will allow you to enjoy your life today while still planning and preparing for the future.
The goal of Financial Life Planning™ is to bring balance to life. By combining clear, consistent advice about money with your own values and perspectives, we seek to create a path that will allow you to enjoy your life today while still planning and preparing for the future.
Our process draws on the disciplines set forth by the Financial Planning Board of Standards as well as the Financial Life Planning™ tools developed by Money Quotient ® , FirstStep Cash Management™ and a number of other Financial Life Planning™ pioneers.
Financial Life Planning™ is a holistic, life-centered approach to financial planning with an emphasis on each clients unique values, motivations, and goals. By uncovering the clients deeply held values, we seek to create a framework for making decisions and choices that can have a positive impact on personal, financial and emotional well-being. Financial Life Planning™ services are offered on an annual retainer fee based on income, assets, and complexity.
"It's good to have money and the things that money can buy, but it's good, too, to check up once in a while and make sure that you haven't lost the things that money can't buy. "
~George Horace Lorimer
Explore
• Understand Primary Issues and Concerns
• Identify Clients Goals and Dreams
• Verify Fit and Define Client-Coach Relationship
Empower
• Implement Plan based on
Clients Insight, Knowledge,
Motivation and Commitment
• Coach Client Through
Transitions
• Monitor Plan and Explore
Clients Financial Well-being
Engage
• Understand Clients Values and
Priorities
• Gather Client Data
• Increase Client Self Awareness
and Commitment
Enlighten
• Analyze and Evaluate
• Summarize and Clarify
Insights and Knowledge
• Draft and Present Your Plan
• Verify Alignment of Plan with
Clients Life Dreams and Goals
Envision
• Create a Vision for the Future
• Mutually Define Clients Personal
Dreams and Financial Goals
• Establish Guidelines for Your
Financial Life Plan
"If you have built castles in the air, your work need not be lost; that is where they should be. Now put the foundations under them."
~Henry David Thoreau, Walden, 1854
Our services are not restricted to any one type of client or to those of a certain income or asset level. Rather, we seek to work with clients who wish to create their own best life, both for now and for the future.
Though our clients may have varying backgrounds, they have all come to the understanding that money makes a wonderful servant, but a poor master.
We work best for those who are determined to make money work for them in a way that gives them their greatest personal fulfillment.
That said, we do place a special emphasis on certain groups with which we have had extensive experience:
Retirees and pre-retirees
New medical practitioners with high student debt
Entrepreneurs, artists, performers, commissioned sales-people, and others with irregular or intermittent income
Professional educators and employees of:
• West Texas A&M University
• Texas Tech University
• Amarillo College
• Texas A&M University
FirstStep Cash Managment™ is a simple, easy to use tool to help you understand and take charge of your household cash flow.
With the FirstStep Cash Management™ program you can:
• Simplify and automate your financial life
• Demonstrate how your financial resources are allocated
• Develop a clear framework for making decisions
• Provide an effective way to communicate about your
household finances
• Help you to prepare for life events and unexpected challenges
• Clarify your priorities and develop a powerful process for
achieving your goals and realizing your dreams
Click HERE to access
"Empty pockets never held anyone back. Only empty heads and empty hearts can do that."
~Norman Vincent Peale
The groundwork for making positive change in our own financial lives is awareness ; the enlightenment that comes from first assessing our individual leves of financial satisfaction; and then recognizing the unique and personal circumstances, behaviors, and attitudes that impede a sense of financial satisfaction.
Click HERE to complete the FINANCIAL SATISFACTION SURVEY
FINANCIAL SATISFACTION SURVEY
LIFE TRANSITION SURVEY
Because nearly all of life's transitions have a financial tether, it is important to consider how you can increase your financial resilience. From a practical standpoint, financial resilience requires a foundation of basic financial knowledge and a strategy for building financial security. From an emotional standpoint, financial resilience requires self-confidence. This is achieved by identifying your fears and behaviors in regard to money, and by working to understand and overcome the underlying issues. Click HERE to complete the LIFE TRANSITIONS SURVEY
Perfect for newly-wed couples, recent college graduates, or those just wanting a simple review of their financial situation.
Included are:
• Income Tax Review
• Estate Plan Review
• Risk Management/Insurance Review
• Investment Review and Allocation Recommendations
• Prepare Net Worth Statement
• Implementation Assistance
Flat Fee - $600
4 - 6 Hours, including 3 - 6 Visits or Telephone Conferences
"There are no shortcuts to any place worth going."
-Beverly Sills
Basic Check-Up plus Cash Flow
For those who want additional help with understanding and controlling household cash flow.
• All Items Listed for Basic Check-up
• Cash Management and Spending Plan
• One Year Access to FirstStep Cash Management Program™
Flat Fee - $1200 (may be paid monthly)
8 - 12 hours, including 6 - 10 visits or telephone conferences
We may agree to provide asset management only services on a case-by-case basis. Asset management will be billed at the rates in effect at the time the asset management agreement is executed.
We may agree to take on special financial projects on a case-by-case basis. Such projects will be billed at our current hourly rate.
Steve Swicegood, CFP® began his financial services career in 1974. He is a CERTIFIED FINANCIAL PLANNER™ professional as well as a FINANCIAL LIFE PLANNING® practitioner. The Institute of Wealth Management designated Steve as a Chartered Mutual Fund Counselor (CMFC) in 1996. In 2003, the AMARILLO GLOBE-NEWS named Steve one of Amarillo's Best Financial Advisors (Amarillo Globe-News, Best of Amarillo Reader Favorites , 09/28/03).
In 2009, Steve founded CONSCIOUS MONEY SOLUTIONS to offer holistic, fee-only, FINANCIAL LIFE PLANNING®. He has completed the Fundamentals of Financial Life Planning® curriculum sponsored by Money Quotient® . Additionally, Steve is registered with the Certified Financial Planner Board of Standards, Inc. as a CERTIFIED FINANCIAL PLANNER™ professional and is a member of the Financial Planning Association.
A veteran of the U.S. Air Force, Steve attended Central Arizona College and the University of Albuquerque as a business major. He completed his financial planning curriculum through Florida Sate University. Steve and his wife, Connie, were married in 1974 and have resided in Amarillo since 1978. They have two children, son, Jimmy, and daughter, Erica. Jimmy is the owner of Swicegood Aquatics and Pure, Clear Water. His wife, Shanna, is a teacher at Bonham Middle School. Erica and her husband, Aaron, are physicians in the Dallas/Ft. Worth Metroplex.
"The little money I have - that is my wealth, but the things I have for which I would not take money, that is my treasure."
~Robert Brault
Karol Phillips has been Steve’s assistant since 2003. A native of Claude, TX, Karol holds a bachelor degree in accounting from West Texas A&M University. Karol's duties include assisting Steve's clients, company accountant and payroll administration.
Together with her husband, Richard, Karol has three children. Oldest son, Brady, recently completed his MBA at Baylor University and is employed in hospital administration. Son, Nick has recently graduated from North Texas State University. Their daughter, Caitlin, is a student at Texas A&M.
Karol can be reached at service_consciousmoney.com
We are proud to be associated with these professional financial planning organizations.
The mission of the Certified Financial Planner Board of Standards, Inc. is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for personal financial planning. It is a professional regulatory organization that promotes ethics, integrity and professional standards in personal financial planning.
The Financial Planning Association™ (FPA) is a membership organization for the financial planning community. FPA is the largest association of professionals dedicated to championing the financial planning process. FPA members are committed to supporting the financial planning process and to helping people make more informed decisions in order to achieve their goals and dreams. FPA believes that everyone needs professional, objective advice to make smart financial decisions.
Money Quotient® develops Financial Life Planning® tools and training for professionals who want to make a significant difference in the lives of their clients. The mission of Money Quotient® is to facilitate the exploration and implementation of a values-based, life-centered approach to financial planning.
"Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending. "
~Author Unknown
Steve Swicegood, CFP®
Phone: 806-352-3917
Fax: 806-352-4685
Cell: 806-679-5053
Toll Free: 800-997-8704
Email: steve_consciousmoney.com
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