Frequently Asked Questions



How would you describe your services?

I teach, educate and guide my clients to Sustainable Prosperity. As you can see from the pie chart, our life experience has distinct components.

The Famous Pie Chart

However, while distinct, we are not separate from the One Source. I help my clients harmonize their lives and become conscious of aspects that may seem separate, but are actually connected. Money is a key component of our lives. We project our feelings onto money, we have a love/fear relationship with money, and very few of us have sustainable relationships with money.  Sustainable relationships with money, finances, people, the planet all come from our Being.

Most of us have been programmed by our cultural milieu to go get the things we want. Then, we will be the kind of person we want to be. And then we will be happy. This is where destructive mindsets come from. "Take the bull by the horns", "Grab the tiger by the tail" really make these pictures in your head; how could this be useful? The true nature of "doing" has been corrupted by our egoic minds. We usually begin action (usually fear-based) prior to any summoning or connection to Presence or Beingness.

If you planted an orange tree and then expected to harvest apples, are you being helpful to your goal of wanting apples? What we are who we intend to "BE" always produces the fruits of our life. Authentic Alignment is first, "Being our Real Self", then "Doing," in Harmony, and then "Having" in Gratitude. Authentic Alignment produces a life of ease and grace and prosperity. Authentic Alignment means if you are an orange tree, you will be the best orange tree. If you prefer apples, then you learn how to plant those seeds and grow that kind of tree to harvest that kind of fruit.

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What's your typical client like?

My clients are growing and learning and looking for tangible help and support to re-think what is possible for them and their life.

 My clients have open minds and hearts.

Sometimes they are confused, doing what they think are all the right things, getting all the wrong results. Sometimes they are frustrated, but more and more they are seeking a better way.

My clients are willing to invest in themselves. Invest time, (both with me and doing their homework!) and invest in their future.

My clients are open to looking at all area's of their life. Using strengths in one area to  apply to another area of life.

My clients may or may not have some kind of grounding in a spiritual practice.

My clients understand that living the life of their dreams is possible, they just don't know how to do it. They are seekers, in search of a life of joy and happiness.

I encourage you to read my testimonials and contact me with questions about how I can help you specifically.

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What does "expanding your Money IQ" mean?

Expanding your money IQ is a simple formula. It means you have competence in three areas:

  1. "Hard money" skills
  2. Transcendence of past learning (psychotherapy)
  3. Incorporation of these into a daily practice of spirituality

Expand Your Money IQ

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Okay, so what are Hard Money Skills?
First, everyone needs to understand there is no "one size fits all" plan. But there are some skills that everyone should possess. For example, 96% of Americans build their wealth through real estate. It's therefore essential that you understand mortgages as a tool to build wealth. You also need to know the kinds of investment opportunities available to you, who is paid the most commission on what investments, how to spread the risk of your investments, recognizing when you're being suckered (like insuring a deposit account that's already FDIC insured). Other hard money skills include authentic budgeting, cost of money, basic tax skills, and, by far the most important hard money skill, asking good questions.

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What are "good questions?"

Let's get this out of the way first, there are no "bad" questions, as long as every question you ask moves you along the road of expanding your Money IQ. Here's an example. A small business owner is talking to his CPA. His question: "Can I deduct miles on my car for my business?" This question is fine, but limiting. The RIGHT question? "Could you please provide me with a list of all the deductions I should be looking out for in regard to my new business?" Good questions come from an "I don't know" frame of mind, being open to all opportunities for knowledge.

Good questions are also repeated, often. If you ask two different CPAs for a list of deductions, chances are you'll get two lists with several differences. These differences can affect you and your business. In the end, it's you and only you who decides how to live your life and conduct your business. Total responsibility is a tenet of success.

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How do I transcend my past learning?
Can you fill in these blanks?

Money doesn't grow on _________.
You have to work _________ for the money.
A penny _________ is a penny _________.
Money is the root of all _________.

I know you got 100% right! And I know I could give you more fill in the blanks like above and you would still get them all right. We weren't raised in the same family, so how is it that everyone gets 100% correct? Our young brains absorb everything. Your brain is an amazing bio-computer that sorts and stores the panoply of your environment. In our early years, our brains don't sort, they just store. You know the saying in data entry: Garbage in, garbage out? That's us. All of us. It is the nature of our bio-computers to take in some garbage at some point. And the bad news is, we don't know we do it until we see it coming back out of us and creating situations we find unpleasant.

In transcending learning we first have to identify our "stuff". I give tools to my clients so they can "see their stuff". After we identify our past learning, we sort it. What works, what doesn't. I teach my clients how to take what works for them and use it in the new life they want, and how to let go of what doesn't work. The final part is vigilance. Once we have a pattern in us it is hard to break. So I empower my clients with tools that match their life and circumstance to remain awake to the "old ways".

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What do you mean when you talk about Spirituality? Are you talking about religion?

"Spiritual" means seeking an experience in life that aligns you with living the answers to those esoteric questions: Why am I here? What is my purpose? What is the meaning of life? I'm not talking about religion, although for some people, religion is a part of answering these questions.

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But what does money have to do with spirituality?

In the big picture, money represents freedom and choices in the world of form (or "earth school," as I like to call it). Money doesn't mean "more," it means "balance." Who you are, your essence, not personality or ego, is fostered and blooms when you are in the right relationship with money and its energy.

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You say that money is inanimate, yet animated by energy. What does this mean?

Money has only the meaning and energy we give it. Most of the meaning we place on money comes from our upbringing, I call this your "money tapes." These tapes come from our parents, teachers, siblings, caregivers, anyone we had contact with. Most people's tapes say things like "You have to work hard for money" or "Money doesn't grow on trees." Generally, your tapes convey a relationship of lack and fear regarding money. You may have learned poor money skills growing up, and therefore need to incorporate hard money skills into your growth. If money is a source of fear or dread for you, the thinking process needs to be interrupted so helpful thoughts can replace defeating thoughts. The energy of your thinking is the animator of the money in your life.

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What is conscious consumerism?

You can see that everything you do in life has a ripple effect. The smile you give the stressed-out mom at the store, the "how are you?" that you really did mean, and cared about the answer. You can feel the effect of any act of kindness. The negative side of this, while we tend not to think about it, also sends out ripples. Your dollars work the same way.

Let's look at an example. It's time to do some back-to-school shopping with your kids. You decide to go to a big box store to get the best deal you can, paying as little as possible for the items you need. What energy are you sending to the Universe? Are you part of the cycle of giving and receiving energy? Are you sending the message that the Universe is abundant and supporting? No. You're telling the Universe that resources are scarce and you begrudge spending money. Evaluating your thoughts and feelings as you spend is the mirror to your Prosperity Consciousness. In the big box store, you committed your energy to stay stuck in lack, limitation and fear.

Now, think of the same situation differently. First, you sit down with your kids and identify their needs and their wants. As the parent, you determine the appropriate budget, and thus teach the importance of how needs and wants don't have to conflict. You determine how to fill wants appropriately, a watercolor set for your budding artist child, a video for your child interested in graphics or math. Then, intend to bless every place you shop with your spending. Yes, something might cost three dollars more at a neighborhood store, but that store has health benefits for their employees and you receive caring and knowledgeable service. Isn't that worth three dollars? Later, you might go to that big box store and discover a two-for-one special on "second" binders with small defects. They look just the same as regular binders, and some stores might just throw them into the landfill. The sale saves you four dollars, and makes the planet a little greener. See? You've met your needs, come out a dollar ahead, fueled neighborhood business and helped the planet. The ripple effect in action.

If your spending doesn't align with your core values, it can have ripple effects on your life, and in the worst case scenario, tidal waves.

I urge you to check out this video called The Story of Stuff.

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What have you found to be the most important principles of success?

Easy, Responsibility and Freedom. Responsibility means the ability to respond. When we expand our money IQ, it's not because the world is out to get us; it's because we must own every part of our life and consequences we create. If we are in joy, we created that. If we are in fear, we also created and chose that. Freedom, of choice, of thought, to transcend old patterns, is the foundation we build our lives upon.

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Where does Happiness fit into all of this?
Happiness is the purpose of a Spiritual life. Man doesn't see happiness because it is his sustenance, but because happiness is his true nature. Therefore, in seeking happiness, man is seeking himself.

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What is money then?

Money is a neutral substance, or energy that we either allow to flow into and out of our lives; or we block the flow. Money is given its direction from our intentions and thoughts regarding it. It is those intentions and thought that alters the neutral energy of money. Family, culture, community beliefs and ideas greatly influence our relationship to money.

We often allow money to substitute for life energy, frequently with negative consequences. A result being every dollar we spend becomes an unconscious expenditure of energy. Scarcity of money can translates into a scarcity of energy in the body.

Your challenge is to achieve a relationship with money separate from your life force. The more impersonal your relationship with money is, the more likely you are to direct its energy appropriately in your life.

Natural Abundance

An organic and healthy relationship to money is natural abundance. Here are the steps to bring this energy to your life:

  • View money as simply another kind of energy that flows into and out of your life.
  • Maintain a relationship with money that is without guilt.
  • Operate from the viewpoint that the more you create the more there is for everyone.
  • Get past the outdated notion that one must be poor to be spiritual.

These perceptions must be at the core of your energy system before natural abundance will be manifested on a physical/material level.

Common Blocks to Creativity and therefore your abundance:

  • Deep rooted fears related to self-esteem and failure: "It would never work."
  • Lack of courage to take financial or emotional risks, or withstand criticism from others.
  • Destructive imaginary dialogues with friends, family and co-workers: "My dad will think I'm nuts if I try this."
  • Fears about energy and health demands, or the changes in your life that might be required.
  • Reluctance born of attachment to your ego story.