We are absolutely ecstatic to be working with you in developing a customized plan to Master Your Money and Destroy your Debts, so you can CRUSH Your Financial Goals!

We understand the journey to budgeting and becoming debt free can a be a lot to handle on your own.  So, our primary objective is to create a plan custom to your personal goals and financial situation, so that you can reach your goals in record time.

Please read over our Client Services Agreement in detail, and them proceed to the Enrollment Form.

Should you have any questions, you may complete the Contact form and we’ll get back to you right away.






This is a legally binding Agreement between MNH Financial Services, Inc. (hereinafter also referred to as “COMPANY”, “we”, “us”, “our”), a financial education services company AND CLIENT (also referred to as “You”, “your”, “his/hers”, “him/her”, “he/she”, “them/their”), an individual who has voluntarily sought out COMPANY and who desires to utilize COMPANY’s services, and invest in said services, as outlined in this Agreement.


Accordingly, the parties agree as follows:

Section 1. Term of Agreement. The term of this Agreement shall be for 6-months starting from the date of your first scheduled Budget Mastery Session. You’ll receive 1 (ONE) 45-minute Strategy Session, and 5 (FIVE) 25-minute Follow Up Sessions. If you would like additional budget-budget-coaching services after the term has expired, we will engage in a Budget-Maintenance Coaching Agreement on a monthly basis.  Terms are discussed once your 6-Month agreement is completed.

Section 2. Budget-Coaching Services. COMPANY will maintain the highest degree of confidentiality of CLIENT’s records, conversations, and written materials.

COMPANY will work diligently with CLIENT to identify, understand, and evaluate their personal and financial values, goals, and preferences; while exploring CLIENT’s money history; helping them to develop custom spending plans, create aggressive debt payoff strategies, and/or to provide financial literacy skill training, as necessary, during each monthly strategy session.

No specific outcome is guaranteed and it is up to CLIENT to guide the direction of the advice.

The purpose of the 6-Month Budget Mastery – Review Program is to evaluate CLIENT’s current financial situation and educate them on how to meet their financial goals, including recommendations for specific courses of action. COMPANY will not give tax or legal advice. However, we may refer you to professionals in those areas.

CLIENT understands that the power of the coaching relationship can only be granted by CLIENT.  It seeks to empower CLIENT through education and skill building so that CLIENT is better able to make his/her own financial choices more confidently. Budget-Coaching services include goal clarification, brainstorming, asking questions, teaching client how to find, understand, and use tools, information and financial data widely available through public domain. CLIENT has the right to decline or make counter offers to all coaching requests.

COMPANY does not provide legal, tax, investment advisory, clinical social work, psychotherapy, or any other services that COMPANY is not licensed to provide. If CLIENT desires to engage in these services, CLIENT is encouraged to consult with a qualified professional. No services rendered under this Agreement by COMPANY shall be construed by CLIENT as providing services that COMPANY is not licensed to provide.

Disclaimer:  These budgeting services are not a guarantee of successful goal achievement.  Many of the ideas and solutions presented by MNH Financial Services, Inc. are recommendations and supportive coaching advice to help create positive decision-making in personal finances.  Achieving financial change in each situation is highly dependent upon the individual actions that must be taken as a result of having a well-defined plan.

We can, and do, promise you this:  We will tell you what we believe you need to hear; we will offer a plan with clear direction; we won’t give up on you, and we will be available to you.

Section 3. MASTERCLASS SPECIAL. Investment for Services. CLIENT’s investment:$99 for Initial 45-Minute Budget Strategy Session; Five Installments (5) of $89 for each subsequent Budget Review Follow-Up Sessions. By enrolling, you are authorizing MNH Financial Services, Inc. to debit the method of payment you entered during your initial enrollment on a monthly basis, as indicated for your Program.

Initial investments are voluntarily made via our online scheduling application.  Ongoing investments for follow up budget-coaching sessions are auto-drafted 30 days after initial sign-up.

CLIENT understands that if they are late on their installment date with no previous communication, a $35 late fee will be assessed.  CLIENT accounts that remain delinquent for 30 days will be TERMINATED and must be brought current (in full) to be reinstated. CLIENT Accounts that are over 30 days old, will not be able to reinstate their account.  Reinstated accounts must

(a) fully satisfy the delinquent amount, including any applicable late fees, owed under the contract; and

(b) CLIENT is obligated to pay a $35 re-activation fee (on an individual account).

(c) CLIENT agrees that if there is a billing discrepancy, CLIENT will immediately contact COMPANY to resolve the issue and that CLIENT will NOT contact his/her credit card company or bank to dispute the charge(s) without first notifying and contacting COMPANY and attempting to resolve the issue with COMPANY.

CLIENT acknowledges that any missed payments (without prior communication) is grounds for automatic termination of this Agreement, at the sole discretion of COMPANY, and in this instance, COMPANY will be released from any further obligations outlined in this Agreement.

Section 4. No Refunds Policy. All sales are final. COMPANY will not provide a refund, credit, or prorated billing for any unused services that result from the early termination of this Agreement.  COMPANY reserves the right to offer refunds, discounts, or other consideration in select circumstances at its sole discretion. Each circumstance is unique and an election to make such an offer in one instance does not create the obligation to do so in another.


Section 5. Budget-Coaching Sessions Expectations – Attendance. You must commit to and take part in all scheduled coaching sessions.  Rescheduling is not recommended as we want you to stay on track but if you do need to reschedule, appointments must be cancelled no less than 24 hours in advance. Cancelling without proper advance notice is grounds for forfeiting your scheduled coaching session(s). We must respect each other’s time!  You should use the link provided in your confirmation and reminder emails to both cancel and reschedule.

The information, documents and materials we request from you must be provided in advance:  These must be received in our office a minimum of two full business days in advance of your scheduled appointment. If any requested materials, documents or information is not submitted within that time frame, we may reschedule your budget-coaching session. You assume all responsibility for providing accurate and complete materials, documentation, and facts upon which our session may be based.

You must do the work behind the scenes. We will work with you and provide you with the tools you need to accomplish the goals we set together but you will need to do the work in between your sessions to experience the results you desire.

Payments must be made on time. Payments are made through automatic debit. Make sure that you note when all of your scheduled payments are due. If the payment is not received, your session will be cancelled and you will be notified to reschedule.

You agree to finish what you start. Budgeting requires consistency so completion of all of your sessions is critical. Once the agreement is signed, you agree to complete all sessions and agree to honor payments in full.

Section 6. Confidentiality. COMPANY will not disclose confidential information, directly or indirectly, under any circumstances or by any means, to any third party without, except when required: by law, to defend against charges of wrongdoing, in connection with a civil dispute, or to perform the services under this Agreement. Confidential information refers to any data or information relating to CLIENT, whether personal or business, which would reasonably be considered private or proprietary to CLIENT and that is not generally known.  All employees will respect the confidentiality of any information entrusted to, or obtained in the course of the employee’s business or related professional activities.

 CLIENT understands that email, text messaging, video conferencing, and social media websites are not fully confidential. Therefore, using these communication methods may compromise confidentiality, and COMPANY shall not be responsible for any breach of confidentiality when these communication methods are used.

COMPANY holds itself to a fiduciary duty standard. This means we are extremely loyal to the person to whom we owe the duty. We must not put our personal interests before the duty, and must not profit from our position as a fiduciary. When signing a written agreement with MNH Financial Services, Inc., you are authorizing us to provide you with advice we feel is in your best interest.

Section 7. Conflicts of Interest.  COMPANY  does not have any known or potential conflicts of interest in accepting this Agreement. If a conflict arises while this Agreement is in effect, COMPANY  shall promptly notify CLIENT of the conflict in writing. If the conflict prevents COMPANY  from executing its obligations under this Agreement, the Agreement may be terminated.

Section 8. Termination.  This Agreement shall terminate automatically in accordance with Section 1 or upon the death or incapacity of either of the parties. In addition, either party may terminate this Agreement by providing the other party with fourteen (14) calendar days’ written notice, subject to the limitations in Section 4. CLIENT understands that coaching services are only as effective as CLIENT ’s willingness to fully participate. CLIENT understands that a lack of participation and consistent refusal will impair the effectiveness of coaching services and may result in termination of this Agreement.

Any termination of this Agreement will not affect the validity of any action previously taken by COMPANY  under this Agreement or CLIENT ‘s obligation to pay COMPANY’s fees in accordance with Section 3, or the refund policy in Section 4.  Upon termination of this Agreement, COMPANY  will have no further obligation to provide financial coaching services to CLIENT.

Section 9. Governing Law. This Agreement will be governed by and construed in accordance with the laws of the state of North Carolina, without regard to conflict-of-laws principles.

Section 10. Severability. If any provision of this Agreement is deemed to be invalid or unenforceable in any respect for any reason, the validity and enforce-ability of such provision in any other respect and of the remaining provisions of this Agreement will not be impaired in any way.

Section 11. Headings. The headings in this Agreement are for convenience only and shall not control or affect the interpretation or construction of this Agreement in any manner.

Section 12. Counterparts and Electronic Signatures. This Agreement may be executed in counterparts, each of which will be considered an original and all of which together will constitute one and the same agreement. A signed copy of this Agreement transmitted by facsimile, email or other means of electronic transmission shall be deemed to have the same legal effect as delivery of an original, manually executed copy of this Agreement for all purposes.

Section 13. Entire Agreement. This Agreement, including any appendices; addenda; exhibits; or attachments, constitutes the entire agreement and understanding between the parties and supersedes all prior negotiations, understandings, and agreements, whether oral or written.




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