How It Works

An Accredited Financial Counselor (AFC®) is a certified professional trained to help individuals and families improve their financial well-being. AFCs provide education and guidance on budgeting, debt management, credit improvement, homeownership readiness, and overall financial stability. Unlike financial advisors who focus on investments, AFCs focus on practical financial education and behavioral change.

Financial counseling focuses on the fundamentals: budgeting, debt reduction, credit improvement, and financial organization. Investment advisory is a separate, licensed service focused on managing your portfolio and long-term wealth. As an AFC®, WMCP®, and a state-registered investment adviser, I offer both, so you’re not stuck choosing between someone who understands your day-to-day finances and someone who manages your investments.

For clients enrolled in Comprehensive Financial Planning, yes — portfolio rebalancing is available as part of that engagement. Through HonorPoint Financial LLC, a fiduciary, state-registered investment adviser in Alaska, I monitor your accounts and rebalance to your target allocation using low-cost index funds, rather than picking individual stocks or timing the market. This isn’t a standalone investment management service — it’s built into the comprehensive planning relationship.

Yes. HonorPoint Financial operates under a fiduciary standard, meaning I’m legally and ethically obligated to act in your best interest at all times. Fees are flat or subscription-based, never a percentage of assets managed, so there’s no incentive to grow your account size for my benefit.

Your progress depends on your commitment and financial situation, but clients typically work toward better budgeting and spending habits, improved credit scores, reduced debt and stronger savings, a clear plan for mortgage readiness, and increased financial confidence.

It depends on your goals. Some clients work with me for a few months to prepare for a mortgage, while others engage in ongoing support to develop long-term financial habits. I offer both structured engagements and flexible pay-as-you-go sessions depending on what fits your situation best.

Yes — this is one of my core services. If you’ve been denied a mortgage, I’ll help you identify exactly what needs to change, build a clear plan to address it, and position you for a stronger application. Most clients improve their readiness position within 60–90 days.

Not at all. Whether you’re struggling with debt, preparing to buy a home, navigating a business financial challenge, or simply want better financial habits and a clearer picture, I work with clients across all financial situations and income levels.

Start with a free consultation — no cost, no obligation, no pressure. We’ll discuss your situation and determine the right level of support. Book directly at honorpointfinancial.com/book.

Yes. As an IRS Enrolled Agent (EA), I provide tax strategy and advisory services for individuals, households, and business owners. This includes reviewing prior returns, identifying missed opportunities, and building forward-looking strategies to reduce tax liability. Note that tax preparation services are handled separately and are not included in advisory sessions. Tax strategy sessions are available at honorpointfinancial.com/book.

Yes. I work with sole proprietors, LLCs, S-Corps, and small business owners on cash flow and budgeting, business tax strategy, separating personal and business finances, and retirement planning for business owners including SEP-IRAs and Solo 401(k)s. If you’re not sure where to start, a free Small Business Initial Consultation is available at honorpointfinancial.com/book.

Yes. HonorPoint Financial is veteran-owned and operated. I served in the U.S. Army and bring that background to how I work with clients — straightforward, mission-focused, and committed to results. I have particular experience working with active duty military, veterans, and military families navigating the unique financial challenges that come with service.

I hold the AFC® (Accredited Financial Counselor), EA (IRS Enrolled Agent), WMCP® (Wealth Management Certified Professional), ChFC® (Chartered Financial Consultant), and MQFP® designations, and I’m a Series 65-licensed, Alaska-registered investment adviser. I’ve also completed all coursework for the CFP® designation. Together these credentials cover financial counseling, tax representation, wealth management, and investment advisory, so your plan doesn’t get split across professionals who never talk to each other.

Yes. Through HonorPoint Financial LLC, a registered investment adviser in the State of Alaska (CRD #343016), I provide investment management integrated with your broader financial and tax plan. This is a separate, licensed service from financial counseling, available to clients who want ongoing portfolio management rather than planning and education alone.

For financial counseling and tax services, yes — sessions are available via Zoom or Google Meet, and I work with clients throughout Alaska and beyond. Investment advisory services, including portfolio rebalancing, are currently limited to clients located in Alaska, consistent with the firm’s state registration.