Services · Five Specialties, One Mission
What Becky teaches.
Everything here is education in plain language: how the tools work, what they cost, and where the real limits are. Nothing on this page is a quote, a recommendation, or a promise of results.
Credit Repair
Your credit report is the file lenders, landlords, and insurers read about you. Becky teaches clients how to read that file, spot what belongs there and what does not, and understand how reporting actually works.
Reading the report
How credit reports are built, who reports to them, and what each section means for your score.
Disputing inaccuracies
The right way to challenge information that is wrong, outdated, or not yours, through the proper channels.
No score increases are promised. Credit repair education is about accuracy and habits, not overnight numbers.
Debt Elimination Planning
The Money Max debt-to-wealth program is built around one idea: the payments a family already makes toward debt can be coordinated with a plan that also builds wealth for retirement. Becky teaches the program the way she teaches everything, in plain language, with the risks stated out loud.
See the whole picture
A family’s debts, payments, and income laid out together, so every dollar has a job you can name.
Coordinate, don’t guess
Debt payoff and retirement planning are usually run in two separate buckets. The program coordinates them into one strategy.
No debt-free date is promised and no savings figure is guaranteed. Cash value life insurance, when it is part of a plan, has fees and surrender charges. Policy loans and withdrawals reduce the cash value and the death benefit and may have tax consequences.
Cash Value Life Insurance
Permanent life insurance, such as whole life or universal life, does two things at once. It provides a death benefit for the people who depend on you, and a portion of the premium builds cash value inside the policy over time.
Death benefit + cash value
Premiums fund immediate coverage and, over time, a cash value that grows according to the policy’s terms.
Loans and withdrawals
Access to cash value usually comes through policy loans or withdrawals. Both reduce the cash value and the death benefit.
Policies carry fees and surrender charges, and borrowing against cash value may have tax consequences. Guarantees are subject to the claims-paying ability of the issuing insurer. Life insurance is not an investment, a savings account, or a bank, and it is not a replacement for one.
Annuities
Annuities are long-term contracts with an insurance company, designed to provide income later in life. Fixed and fixed indexed annuities can play a role in a retirement plan when a family wants predictable income options in their later years.
Income for later
The point of an annuity is income options over time, not short-term access to cash.
Surrender periods
Most annuities have surrender periods with charges for early withdrawals. Know them before you commit.
Annuity guarantees depend on the claims-paying ability of the issuing insurer. An annuity is a long-term contract, not a bank account, and surrender charges can apply if you take money out early.
Business Credit Coaching
Women business owners often run a company on personal credit without realizing the two can be separated. Business credit coaching teaches how your business builds its own credit profile, distinct from your personal score and your personal responsibility.
Separate the two
How business credit is established and reported separately from personal credit.
Build a profile
The habits and steps that help a business form its own credit history over time.
Lending decisions are never guaranteed, and no approval or funding amount is promised. Coaching is education and habit-building, not a loan product.
Read First
The honest fine print.
- Education, not advice. This site explains how insurance and planning tools work. It is not a quote, an offer of coverage, or a recommendation of a specific policy or contract.
- Guarantees have a source. Any guarantee in a life insurance policy or annuity depends on the claims-paying ability of the issuing insurer.
- Borrowing costs something. Policy loans and withdrawals reduce cash value and death benefit and may have tax consequences. Policies have fees and surrender charges.
- Not a bank, not an investment. Life insurance and annuities are not bank accounts or investment accounts, and they are not replacements for either.
- No promises, ever. No payoff dates, no projected returns, no guaranteed approvals. If a plan looks too tidy, keep asking questions.