PROGRAMS
Build a plan that works in real life.
Choose the level of education and support that best fits your current financial goals. All programs reflect founding client pricing.
Free Consultation
15–20 minutes
A no-cost introductory conversation to understand your goals, answer questions, and determine the best next step.
- Discuss your current financial goals
- Understand how Novara can help
- Ask questions about coaching or consulting
- Get clarity on the best next step
- No payment required
Financial Foundation Program
People who need financial organization, a realistic budget, and a clear starting point.
- 60-minute consultation
- Financial situation assessment
- Personalized budget framework
- Savings strategy
- Financial-goal planning
- Written next-step summary
Credit Builder Program
People who want to better understand their credit profile and create an educational improvement strategy.
- Credit-report education and review
- Explanation of major credit factors
- Personalized improvement strategy
- Action checklist
- Credit habit guidance
- Written next-step summary
Financial Reset Program
People who want a broader review of budgeting, debt, credit, savings, and financial priorities.
- Comprehensive financial review
- Budget optimization
- Debt-prioritization education
- Credit coaching
- Savings roadmap
- Personalized recommendations
- Written financial action plan
Monthly Financial Coaching
People who want continued education, accountability, progress reviews, and financial-system adjustments.
- One monthly coaching session
- Goal and habit tracking
- Budget adjustments
- Accountability
- Email support within defined business hours
- Monthly next-step summary
Programs provide financial education and coaching. Individual results vary according to circumstances, participation, consistency, and implementation.
Program details
Financial Foundation Program
Best for
People who need financial organization, a realistic budget, and a clear starting point.
Session format
Secure online video session (60 minutes).
Expected deliverables
Personalized guidance and a written next-step summary you can apply immediately.
What's included
- 60-minute consultation
- Financial situation assessment
- Personalized budget framework
- Savings strategy
- Financial-goal planning
- Written next-step summary
What this program does not include
Investment, legal, tax, or accounting advice. Guaranteed credit-score changes or debt elimination. Management of client funds or collection of sensitive financial credentials.
Credit Builder Program
Best for
People who want to better understand their credit profile and create an educational improvement strategy.
Session format
Secure online video session (60 minutes).
Expected deliverables
Personalized guidance and a written next-step summary you can apply immediately.
What's included
- Credit-report education and review
- Explanation of major credit factors
- Personalized improvement strategy
- Action checklist
- Credit habit guidance
- Written next-step summary
What this program does not include
Investment, legal, tax, or accounting advice. Guaranteed credit-score changes or debt elimination. Management of client funds or collection of sensitive financial credentials.
Financial Reset Program
Best for
People who want a broader review of budgeting, debt, credit, savings, and financial priorities.
Session format
Secure online video session (60 minutes).
Expected deliverables
Personalized guidance and a written next-step summary you can apply immediately.
What's included
- Comprehensive financial review
- Budget optimization
- Debt-prioritization education
- Credit coaching
- Savings roadmap
- Personalized recommendations
- Written financial action plan
What this program does not include
Investment, legal, tax, or accounting advice. Guaranteed credit-score changes or debt elimination. Management of client funds or collection of sensitive financial credentials.
Monthly Financial Coaching
Best for
People who want continued education, accountability, progress reviews, and financial-system adjustments.
Session format
Secure online video session (monthly).
Expected deliverables
Personalized guidance and a written next-step summary you can apply immediately.
What's included
- One monthly coaching session
- Goal and habit tracking
- Budget adjustments
- Accountability
- Email support within defined business hours
- Monthly next-step summary
What this program does not include
Investment, legal, tax, or accounting advice. Guaranteed credit-score changes or debt elimination. Management of client funds or collection of sensitive financial credentials.
Program comparison
| Feature | Financial Foundation | Credit Builder | Financial Reset | Monthly Financial |
|---|---|---|---|---|
| Initial consultation | ||||
| Budget framework | Partial | Partial | ||
| Credit education | Partial | |||
| Debt-prioritization education | Partial | |||
| Savings roadmap | Partial | |||
| Written action plan | Partial | Partial | Partial | |
| Ongoing accountability | ||||
| Email support | ||||
| Payment type | One-time | One-time | One-time | Monthly |
"Partial" indicates the item is addressed as part of a broader session rather than as a dedicated deliverable.