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Other Services

You don’t have to have debt to benefit from working with HUG.

HUG helps people with a variety of financial needs from budgeting and financial crisis management to credit coaching and retirement planning. Our team of professionals can assist in most areas of personal/business finance and specialize in building customized plans based on your unique circumstances and goals. Call us today for a one-on-one conversation about your needs and how we may help.


Perhaps you seek assistance in creating a workable budget? If you’ve tried to build a budget only to find it’s impossible to follow, you’re in good company. Most people build a budget beginning with their income and fitting in the expenses starting with established bills like rent or mortgage, then utilities and insurance, finally adding in estimates of what funds may be allocated to groceries, and other necessities. While this may sound quite logical, this approach is virtually doomed from the start. Life hands us too many surprises for a rigid approach to budgeting. The HUG Your Budget system (included with all coaching packages) turns that process on it’s head and takes the mystery out of budgeting once and for all! Read more…


Are you facing a financial life challenge? Deciding whether to sell your home, move to a new location, change careers, start a business, manage an estate? Perhaps you’re planning for college or need help with an inheritance. Decisions such as these can be extremely stressful and difficult to sort through. Multiple options can complicate matters for any individual. Add the nuances of a personal relationship to the mix and the complexity is compounded. A HUG “Solutionizer” can help cut through the confusion and guide you through the process. Read More..

Retirement Planning

Most of us will spend the majority of our adult lives saving for retirement.  Some scrutinize their accounts closely while others trust an advisor or company with the task of managing their retirement nestegg.

Much attention is given to risk-management, investing and estate planning, but little is said about the effects of debt with regard to retirement. Even if you have an existing debt plan it probably focuses narrowly on credit cards, leaving the largest long-term obligations like mortgage and education debt to sap income and earnings far into your retirement years.

You CAN be debt-free using the same payments you’re making now.  In the bargain, you could restore, grow and maximize your retirement plan!

Whether or not you have debt, HUG financial coaches are available to assist you with your retirement plan at every step – from finding a few savings dollars in the budget to providing secure lifetime income and beyond. Read more…

"Bankruptcy laws allow companies to smoothly reorganize, but not college graduates burdened by student loans."
– Robert Reich
“What I would like to do... once I take care of all my kids' student loans, is buy a red 1965 Mustang and fully restore it.”
– Mike Quigley
"If we don't change direction soon, we'll end up where we're going."
– Irwin "Professor" Corey
“This would be a much better world if more married couples were as deeply in love as they are in debt.”
– Earl Wilson
"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
"Nothing in life is to be feared. It is only to be understood."
– Marie Curie
The road to success is always under construction
– Lily Tomlin