Financial Coach - The Cash Flow Coach

"Ernie knows personal finance and how to bring down high interest credit cards debt. He helped me create exciting ways to generate additional income while reducing expenses. He gave me precise instructions on contacting credit card companies and what to say to get your high interest rates reduced. With Ernie’s guidance and coaching, I organized my personal finances and now I know I’m in control. He is warm, understanding, a good listener and empowering."

- Peter Alvarez, Psychic Reader

"Even though I’m good at watching expenses, Ernie coached me to handle my credit card company with ease. He gave me an exact script including what to say to get my high interest rates reduced. I’m looking forward to having lower payments each month. He is thorough, knowledgeable and understanding. I also referred Ernie to my boyfriend who has financial challenges."

- Lori Van Derske, Teacher Interpreter

"Ernie coached me to take charge of my credit cards and student loans. Even though I’m careful with my daily expenses, he suggested I get a part-time job to increase my income and handle my debt with less stress. He also gave me marketing tips on ways to get a fun, exciting position. He helped me track my monthly expenses and income. I learned to create a Customized Spending Plan on one easy-to-understand sheet of paper. He gladly answered my questions on stock option trading for future investments. Ernie helped me take leadership. I manage my debts much better now and he did it all with care and compassion."

- Rich Port, Electronics Technician

"Ernie steered me in the right direction on my possible car loan refinancing. He coached me that the car refinancing wouldn’t benefit me; instead he suggested I create extra income to pay off the car and start a savings account for emergencies. We worked out a spending plan and now I feel in control of my future. Ernie empowered me to record my expenses everyday and my spending habits so I can bring down my credit card debt and car loan more quickly than I ever imagined possible. Thanks Ernie!"

- Tamalyn Taylor, Massage Therapist

"My sessions with Ernie were a big reality check. Together we reviewed my spending plans and expenses. He helped me create an action plan for financial success. He gently guided me to focus and develop sound financial goals. He helped me discover where I could reduce monthly expenses and increase cash flow by renting out a spare room in my home. I no longer feel afraid to open my bills. My coaching sessions with Ernie were empowering and motivating."

- Leon Gilliam, Warehouse Manager

"Many thanks to Ernie Martin my "Cash Flow Coach." With his help, we figured out how much money I needed to make every month in my business to pay off all my debts within just one year. He helped me realize the importance of tracking my monthly expenses and he gave me a simple approach to do just that. I was amazed how understanding he was about the emotional issues I had regarding money. He’s very empathetic and caring. He gave me powerful money affirmations I use now daily to boost my financial-esteem."

- Elisabeth Baldazzi, Weight Loss Mentor and Coach

"I’m from the old school. I always paid cash until I discovered I’d have to get a co-signer for a large purchase. Ernie explained the importance of credit and credit reporting in clear, understandable terms. He gave me an action plan which included calling banks and local retailers to establish credit and improve my credit score. Now, I understand the importance of credit. Ernie is patient and caring. He also made sure I took immediate action on my plan. Now I feel positive about having good credit."

- Khalid Boutahiri, Real Estate Investor