The Financial Coaching Agreement (“Agreement”) is a contract between Aries Financial Wellness (also referred to as the “Financial Coach”) and the undersigned client (“Client”). The purpose of this document is to define the terms and conditions governing the Financial Coaching services to be provided by Aries Financial Wellness, as well as the responsibilities of the Client. Only functions explicitly stated in this Agreement are included, and no additional services will be produced unless documented in writing.

By signing this Agreement, the Client engages Aries Financial Wellness to provide services in accordance with the following terms:

Section 1. Overview of Services

The Financial Coach will offer guidance to assist the Client in evaluating their current financial situation, providing training on strategies to help the Client pursue their objectives. This may encompass recommendations for specific actions. The services outlined in this Agreement do not include investment, legal, or tax advice. The Client may be referred to licensed professionals in those areas as needed. No specific outcomes are guaranteed.

Scope of Services

Guided Approach. The primary objective of the Financial Coach is to assist the Client in clarifying their objectives, explore potential solutions, and provide strategic guidance to achieve these aspirations. Financial Coaching focuses on building the Client’s knowledge and skills, empowering them to make independent decisions. It is not a substitute for Financial Planning or investment advice; rather, it serves as an educational resource that is designed to support the Client in making well-informed choices.

Delivery Method. Financial Coaching will be delivered through one-on-one sessions, complemented by e-mail support when appropriate, as well as research services tailored in collaboration with the Client.

Informational Insights. Throughout the engagement, the Financial Coach may provide general information, independent research, or opinions on insurance products, securities, and other financial instruments. This material is based on external sources that are believed to be accurate, but it is not guaranteed. At no point should this data be construed as a solicitation to buy or sell specific products. Financial Coaching is intended to complement, rather than replace, professional financial advisory services. While investments may be discussed, this Agreement does not include investment advice, and the Client is encouraged to seek guidance from a licensed professional as needed.

Fee Structure. The Financial Coach operates strictly on a fee-for-service basis without receiving commissions or other forms of renumeration from brokerage or financial services firm. This ensures that the guidance provided remains unbiased and solely in the Client’s best interest. Aries Financial Wellness does not sell products.

Monarch Money. As part of the Financial Coaching services, Clients who purchase the 3-Session Package or the Six-Session Package will receive access to Monarch Money for a limited amount of time at no additional cost. This platform allows the Client to conveniently track account balances, investments, and transactions in one central location, facilitating a seamless collaboration with the Financial Coach through shared visibility.

By participating in Financial Coaching, the Client expressly acknowledges that this is a voluntary activity, assuming all financial and investment risks that may be associated with it.

Section 2. Pricing Structure

Complimentary Discovery Consultation

Each Client is entitled to a one-time, 20-minute Complimentary Discovery Consultation to discuss a potential engagement. This session is offered at no cost, and it is designed solely to determine if a partnership would be mutually beneficial. It is not included in the ongoing Agreement.

Financial Commitment

Following the Discovery Consultation, the fees for Financial Coaching are as follows: 

• Single Session (One Session): $99 Each

• 3-Session Package (Three Sessions): $282

• 6-Session Package (Six Sessions): $534

Each consultation will typically last 45 minutes, and it will be conducted via video conference. Payment is required in advance through the website, and all transactions must be made in U.S. Dollars.

Cancellations and Refunds

To cancel a session, the Client must notify the Financial Coach at least 24 hours in advance to reschedule the appointment. Failure to attend or rescheduling with less than a 24-hour notice will result in the Client incurring a rebooking fee equal to 50% of the cost of a Single Session ($49.50).

Section 3. Confidentiality Standards

Aries Financial Wellness is committed to maintaining the confidentiality of all Client information. Unless explicitly agreed upon by the Client or required by law, all details related to the Client’s identity, financial matters, and investments will remain strictly confidential. Information that is shared during sessions is considered privileged, and it will not be disclosed to external parties, except in situations involving criminal, illegal, or unethical activities, or as authorized or requested by the Client.

Section 4. Indemnification of Liability

Aries Financial Wellness adheres to a Fiduciary Duty standard, committing to act exclusively in the Client’s best interest. This standard requires the Financial Coach to prioritize the Client’s needs above personal interests. By signing this Agreement, you are authorizing me to provide guidance that I believe serves your best interest.

The Financial Coach will diligently collaborate with the Client to assess and understand their current financial situation, objectives, and resources to provide tailored recommendations to help them achieve their aspirations. However, Financial Coaching is not a substitute for professional accounting, investment, or legal advice. The Client is encouraged to seek qualified professionals in these areas as needed.

While Aries Financial Wellness strives to deliver accurate and relevant information, no guarantees are made regarding specific outcomes, and no money-back guarantee is offered. Financial Coaching is a collaborative process that necessitates active participation and commitment from the Client. Consequently, the Client agrees to hold Aries Financial Wellness and the Financial Coach free from all liability or responsibility for outcomes resulting from the guidance provided during sessions.

Section 5. Termination of Agreement

This Agreement will remain in effect for the duration that is selected by the Client. The Financial Coach reserves the right to decline the renewal of this Agreement if an impasse is reached with the Client. Provided that the Client adheres to the guidelines outlined in this document and actively pursues their financial objectives, and the Financial Coach maintains professional practices and standards, the engagement will continue. The ultimate objective is to improve the Client’s financial wellness, and every effort will be made to support this aim. 

Examples of Terminable Offenses

Note that this list is not exhaustive.

• Failure to make payment

• Lack of engagement in the Financial Coaching process

• Non-compliance with agreed-upon action items

Section 5. Client Accountability

As the Client, I acknowledge that I am fully responsible for the financial decisions that I make, and I will not hold Aries Financial Wellness accountable for the outcomes that result from my actions. 

I understand that Financial Coaching is intended to:

• Assist me in clarifying financial issues, resolving challenges, and pursuing my objectives

• Educate me on understanding credit and using it responsibly

• Guide me in developing and maintaining an effective spending plan

• Help me identify and utilize resources that enhance my financial wellness

• Provide me with education, guidance, and information to enable informed decision-making

• Support me in managing my finances efficiently and saving towards my aspirations

• Teach me strategies to maximize the effectiveness of my money 

I recognize that my Financial Coach will not communicate with creditors or third parties or make decisions on my behalf. While my Financial Coach will provide encouragement and support throughout the engagement, the responsibility for my actions remains with me.

By signing, you acknowledge that you have read, understood, and agree to the terms, conditions, and obligations outlined in this document for both parties.