Frequently Asked Questions

The Career Mompreneur believes that everyone deserves a chance at financial success regardless of what their income level is or the amount of investments in one’s stock portfolio. Understanding finances and the relationship you have with money is a critical life skillset that most people are not taught at home or in school. Some are taught this life skill, but many are not and that is where The Career Mompreneur steps in. The Career Mompreneur is to help you develop a healthy relationship with money that creates financial freedom for you and your family.

Yes! We provide the best advice to individuals of all income levels and specialize in helping those that are living paycheck to paycheck to start a financial wellness journey. We also help individuals with variable income (freelances, entrepreneurs etc.) We are experts at stretching every cent and making money work for you. Our advice is based on the information you share with us about your life, and therefore it’s customized to your unique circumstances.

The Capital Master's mission and goal is to get you on the path to financial success, whatever that looks like for you. You will be paired with a real-life person who is your financial coach. In addition, no matter how much we love technology, we don’t believe in using robots to help you achieve financial success. We want to establish a healthy relationship with money with a coach along the way. Algorithms are very black and white, whereas humans are not. At The Capital Masters, we are not here to sell you anything but a bright financial future with the right resources to get you there. While other companies or apps have robots with certain requirements and rules, we at The Capital Masters can provide you with the help you need, person-to-person, and when life throws you a curveball because life happens to us all.

Whether you are a newbie, understand budgeting, financial planning, or looking for a second opinion to make sure you are on the right track The Capital Masters can help you. Every situation may not be applicable to our financial coaching services. For example, if you live or have financial accounts outside of the US, haven’t filed tax returns, or are in bankruptcy. If you’re unsure if The Capital Masters could work for you, schedule a free call with us and we’ll see how we can help you. We are here for you to answer any questions you may have along this journey.

A financial coach help teach you practical ways to improve your relationship with money management, such as how to build a savings or pay down debt. A financial coach sometimes goes by financial life coach, money coach, financial planner, but the goal is to teach you the basics of personal finance, create a realistic budget, and help you build healthy money habits that improve your relationship with money.

A financial coach will help you to start creating a healthier financial journey. Working with your Financial Coach, you will learn how to:

• Create a budget that truly works for you
• Develop healthy spending and saving habits
• Build a strong financial foundation
• Learn financial literacy
• Create healthier ways to manage debt and money stress
• Leverage a plan that shows you how to improve your overall financial health

Think of a financial coach as one who help you learn the basics of personal finance, provides a roadmap to help you view money different and build healthier money habits. Financial planners build on that foundation to achieve long-term wealth. A financial coach focuses on building your financial foundation and knowledge. A financial planner looks at the big picture when evaluating your financial situation and money to ensure you are planning for your entire life.When it comes to goals, a financial coach focuses on how you save for the short-term emergencies vs a financial planner who helps you set and plan long-term goals, for example like retirement planning, purchasing a home, having a baby, or any other major life event. Anyone can call themselves a financial planner or financial coach so it’s important they have the education and designations to back up experience. The Capital Masters will pair you with a financial coach regardless if you pick financial coaching or planning.

The Career Mompreneur financial coach is here to help you learn how to manage your money as quickly as possible with providing peace of mind that you will overcome your financial fears by being paired with a financial coach. You’ll will be paired with a dedicated financial coach, who will meet during your free introductory call and will work with you throughout your financial journey with us.

A Financial Plan provides the following:

• A more detailed analysis than a budget. The budget will help you understand your current state and outline how you can reach your financial goals.
• A financial plan with an overview of your assets, liabilities, income, and expenses. In addition, the plan will include a Financial Health Analysis; Goal Analysis (if applicable); and recommendations for improving your financial health.
• The Capital Masters financial plan goes beyond the traditional financial plan by explaining in an easy way all the financial lingo to help you better understand how it impacts your financial journey.

The Capital Masters knows that the amount of money you save right now into the future needs to be as close as possible to what you would eventually need. Of course, no one can predict the future, but we use a Monte Carlo Stimulation (a system that tells you what you should save today to achieve your goals tomorrow) that gets us close. The Monte Carlo simulation consist of thousands different portfolio stimulations that help direct us on a savings amount that could we need to obtain to meet your savings goal (s) in over 70% of the stimulated portfolios.

Our financial plans are designed to help you overcome your financial fears and anxiety about finances by connecting you with a dedicated financial coach, who you’ll meet with during your free introductory call and will become yours throughout your stay with us.

For just $99.99 per month, you’ll be able to purchase a Financial Plan and get paired with a financial coach (this is a great value deal for you at less than ¼ the monthly cost of retaining a traditional financial planner). You will have monthly financial coaching sessions to help you achieve your financial goals. Plus, unlimited content blogs & tips, videos, access to all the financial calculators you need, and email support means we are always here to help.

Refund & Cancellation Policy: You can cancel at any time after 3 months of services rendered, but it will not go into effect until the end of the paid period. In addition, access to materials or a financial coach will no longer be available for you.

Along with Financial Plan, you’ll receive a monthly money recap, this level of detail will provide a snapshot of your current month’s spending versus your previous month spending, average spending, and your budgeted spending. With this report you can adjust your spending habits to make sure you’re sticking to your budget. Exclusive to this plan is included, that it also tracks your assets, liabilities, and net worth month after month, so you cans see your wealth growing over time.

The Capital Masters is focused on helping you succeed financially and achieve your future goals. So, if you feel like that the pricing won’t work for your financial situation, or looking for financial advice without the financial plan, please check out our ala carte services and book a service(s) that you feel fits you best. In addition, you can schedule a free consultation for a financial coach to assess your situation and see how we can help you achieve financial success.

The Capital Masters recognizes that our relationships with our current and prospective clients are based on integrity, trust, and commitment to keep your interests at the forefront, so we work very hard to maintain your privacy and to preserve the private nature of our relationship with you. We put value on all information provided to us: Financial Pro Profile, your personal background information, and entire financial situation. The Capital Masters will not disclose your personal information to anyone (including family members) unless it is required by law or at your direction. Additionally, our Financial Coach adhere to the Finra series and CFP Conduct, which has the client’s best interest at heart. You can also check out our Private Policy, Sharing Private Policy, Terms of Use, and Client Agreement for additional information on our privacy and confidentiality policies.

Yes, for sure. The Capital Masters uses 256-bit encryption, the same trusted level of protection used by banks. For example, The Capital Masters is like a main dashboard where you can view all your accounts at once; no financial transactions can be made on your end or our end within our platform. The Capital Masters is not able to access your accounts or withdraw funds from the accounts you’ve connected to our system. Also note, that we do not store your log-in information for any financial institution.

We don’t offer tax services currently. Your financial coach may speak to you about your tax withholding if adjustments need to be made so you don’t owe the government at the end of year or if you need more money included in your monthly income.

We are not authorized to give investment advice and do not offer investment services at this time.