Financial Consulting Contract

The services to be provided by the consultant to the client are financial education and financial consulting for personal finance and student loan debt management, including both one-on-one or tele-consulting, as well as email support and research services provided by the consultant, as designed jointly with the client.

The client understands that consulting fees are non-refundable.

The client understands that the power of the consulting relationship can only be granted by the client. This Financial Consulting service for personal finance and student loan debt management is not investment advice, financial planning, or money management. Rather, this consulting service seeks to guide the client through financial education, personal finance management and debt management planning so that the client is better able to make his/her own financial choices concerning his/her student loan obligations and overall financial position.

Consulting services include personal finance management, student loan debt management goal clarification, income and family size verification, brainstorming, asking questions, account and loan statements and data review, education on personal finance management, saving and wise borrowing, student loan repayment strategies and student loan consolidation, income-driven repayment, teaching clients how to find, understand and use tools, information and financial data widely available in the public domain. The client has the right to decline or make counteroffers to all consulting requests.

The consultant uniformly agrees to respect and maintain the highest level of confidentiality. During the course of a financial consulting service, the consultant may share with the client information and/or independent research or opinions on strategies to get higher interest rates on savings, accelerate debt repayment, qualify for a mortgage and/or land loan, complete a loan consolidation, find investment brokers, prepare to invest and learn about investing, and where applicable: fund tax-advantaged and taxable brokerage accounts, use robo advisors and robo investing, complete federal student loan consolidation, leverage federal income-driven repayment plans and loan forgiveness programs, evaluate student loan refinancing lenders, insurance products and other services using outside sources believed, but not guaranteed, to be accurate.

In no case should these data be construed as a solicitation to buy or sell a particular issue or product. Financial consulting for personal finance management and student loan debt management is not a replacement for financial advisory and planning services; rather it enables the client to work with financial advisers, planners and brokers more effectively.

The consultant works strictly on a fee for service basis, and does not accept commissions or other remuneration from any brokerage or financial services firm.

The client expressly agrees that he/she is participating in consulting services as a purely voluntary activity, and that he/she assumes all personal finance management, loan consolidation, loan financing and refinancing, income-driven repayment enrollment (if applicable), investment and financial risks potential in this activity.

This consulting service agreement includes the following:

• A one-time 1 hour 1-on-1 session. for personal finance management consulting or 1 hour 30 minute 1-on-1 session for student loan debt management.

• Reviews of your specific personal finance and/or student loan challenges.

• One follow up email with a meeting summary and /or recording and resources.

• Unlimited email and/or text support for 30 to 90 days, depending on the session type.

DECLARATION

This agreement is between the consultant, Melisa Boutin of Your Money Worth LLC and you, the client and I understand that I am working with Melisa Boutin for the personal finance consulting service for personal finance management and student loan debt management at the agreed fee.

CANCELLATION POLICY

A 24-hour cancellation policy is in effect for each session. Less than 24 hours of notification of a missed appointment will be charged in full to the client.

Your payment and electronic signature indicates a full understanding of, and agreement with, the information outlined above.