01. Better Marriage

Money is the #1 cause of divorce. Specifically misalignment between spouses. Financial planning mitigates those risks, ensures both sides reach their goals, and fosters stronger relationships.

Studies also found that families with financial plans have 15% fewer arguments about money.

Lifestyle Financial Planning

What are the benefits?

02. Better Wealth Enjoyment

I help you identify what's important to you and create an actionable plan to reach those goals, without sacrificing financial security or independence.

Because the goal is not to die rich. The goal is to have fun!

04. Less Risk

In investing, remember that Rome wasn't built in a day.
In trading, remember that Hiroshima was destroyed in a day.

DIY is great, but it exposes you to wealth ending mistakes. Mistakes which a financial planner can protect you from.

05. Less Anxiety

A Cambridge University study found that financial planning lowers the risk of mental health issues like anxiety and depression.

The Financial Counseling Association of American also found that it can reduce debt-related stress by up to 55%.

06. Less Work

A financial plan executed by a qualified planner can get you to financial freedom decades earlier.

That's 20 more years chasing your passion, instead of chasing Teams calls.

08. More Time

A structured plan helps you regain time. No more money anxiety. No more sleepless nights. And no need to spend hours on Sundays researching stocks.

Spend less time on your finances, and more time with your loved ones.

07. Better career & discipline

Expats with financial plans report 22% higher productivity at work, according to the American Institute of stress.

According to the Financial Planning Association, 70% of clients report better financial discipline with a coach's accountability.

Because you have a clearly defined purpose and plan, you  reach your career, financial, and health goals faster.

09. Better health

Financial stress contributes to high blood pressure, higher body fat percentage, and poorer sleep. Most importantly, according to the Journal of Clinical Psychology, expats with high financial stress are twice as likely to experience depression than those with low financial stress.

By working with a coach, you don't just fix your finances, you improve your health too.

10. Less Regrets

I'd wager that when you're lying on your deathbed at the age of 92, you'd give everything to go back to today.

Lifestyle financial planning is not just wealth maximization, it's also regret minimization. It's the ability to identify and reach your goals while you still can so that you can...

• Take that sabbatical

• Open up that dream business

• Retire your spouse

• Move to the country you've always wanted to go

03. Better returns

Studies show that 98% of professional investors underperform the market. No amount of coaching can protect you from behavioral mistakes, poor investment selection, or mediocre asset allocation.

But a financial planner can.

Pricing

Dubai Money Coach is a proud "fee-only" financial planning firm. This means that we are paid directly by our clients, rather than receiving commissions or other forms of payment. We are also fiduciaries, which means we are ethically and legally bound to act in our clients’ best interest.

We charge a $2,000 initial fee which covers:

• Financial therapy

• Money personality

• Financial planning

• Financial Coaching

• Lifestyle financial plan

• Personal finance review

• Investment management

• Regular check-in sessions

Thereafter, we charge 1% of Assets under Management. We then reward you with discounts as your account grows:

Value of financial planning

Financial planning makes you richer, and the research proves it. Check out the graphic below:

According to research, the average investor underperforms the market by about 3.5% per year. By working with a good financial planner, you can recover these missed gains AND boost returns by an additional 4.3% through sensible evidence-based strategies.

On a $1000 / month investment strategy that's the difference between walking away with $1 million in 30 years, or $3.7 million. In other words, research shows a good financial planner can make you an extra 2.7 million. And that's net of fees!

On top of these financial gains, you also get financial planning which will reduce anxiety, add clarity, and maximize wealth enjoyment. In my view, it's a no-brainer.

FAQ

For expats who NEED a great outcome.

Does it work?

Imagine you're trying to remodel your garden. You go to the store and you're given two options:

Option 1
"I'll sell you the shovel, seeds, and water hose. I'll also give you instructions on what to do. Good luck!"

Option 2
"I'll come by your house tomorrow at 8am and we'll do it together. I'll show you the shortcuts and bring all the equipment, and I won't leave until we're done"

Which option sounds more appealing to you?

DIY is cheaper and a great way to get started. But if you want to see real success, you will require persistence. That's what financial planning is for.

Think of it like a personal trainer.

At first, everything is going well. The trainer is pushing your boundaries while helping you lose weight AND look better. You get into a routine. It's working. You wonder if you still need the personal trainer. Anxious about money, you decide to gently fire her.

The first two weeks are fine. The routine continues. But then you go to a friend's party. You drink a little too much and wake up weak, hangover, and with a pounding headache. Your phone reminds you it's time to hit the gym. You decide to skip it. "The trainer isn't here. I'm not letting her down. I can afford to skip today's session" you tell yourself.

Soon enough, this one-time skip turns into two, then three, then four skips. Eventually, you lose the rhythm, and stop going to the gym. You pick up old habits, and now you're back to step 1.

Academics call this the Abstinence Violation Effect. It happens to everyone. That's why we abandon a diet plan after two weeks, or why new years resolutions rarely work.

Money works the same way.

Except there's one difference: You can outsource the work. When you hire a financial planner, you're outsourcing investment management. You also get a full-time accountability partner to reach all your financial & life goals.

No relapse. No slip-ups. No excuses.

Imagine hiring a personal trainer that could go to the gym for you. You pay her and you lose weight, build muscle, look better, and feel more confident. How much is that worth to you?

That's what a financial planner can do for you.

Do you need a financial planner?