When was the last time you had a financial health checkup? To get to where you want to be, it’s important to know where you are now. Financial health is more than the size of your portfolio. It includes things such as planning for the future, protecting your family, and comfort and confidence around past and present financial matters and self-care.

The number one stressor in the lives of Americans, is money. It’s normal to have anxiety, frustration, confusion, and dissatisfaction surrounding one’s investments and overall financial life.

Your OCCAM Advisor will work to uncover behavioral factors impacting your financial life. Our clients come to us when they want change; and we help them to create it for themselves.

During the Financial Health phase, your advisor will take a comprehensive look at your financial health and more, using the Klontz-Britt Financial Health Scales (FHS) and through our data gathering process to learn more about your current financial health and to discover your unconscious money beliefs and see how they impact your net worth.

The FHS and data gathering exercises serve as your personal check-in to know where you are and to organize for your financial transformation.

Upon completion of the FHS assessment, we’ll know if you have any risk factors to be aware of. Risk factors are behavioral factors that you and your advisor need to be mindful of in order to help position your financial plan for success.

DO YOU HAVE FINANCIAL HEALTH RISK FACTORS?

• Financial Enabling: Irrational need to give money to others (even if you can’t afford it).
• Financial Infidelity: Keeping financial secrets - a form of financial “cheating.”
• Financial Disharmony: Tension and uneasiness when discussing financial matters - a feeling that money divides.

In addition to providing a quick measure of financial health, the FHS can be used to flag a concern before it becomes a risk factor. This will help bring awareness to you as you look to make your financial transformation.

Where Do I Want to Be?

Money Scripts

DISCOVER YOUR UNCONSCIOUS MONEY BELIEFS AND HOW THEY IMPACT YOUR NET WORTH

At OCCAM, we’re interested in helping you identify and understand your money scripts. Money scripts are the unconscious beliefs about money that are rooted in our childhood that shape our financial health. The Money Script assessment is a short assessment designed to help you gain insight into your own money belief system. Knowing yourself better is the best starting point for making changes and improving your overall financial health.

Your Money Script assessment results will help your OCCAM advisor have a deeper understanding of your belief system around money, which will help your advisor best communicate options with you.

Money scripts are:

• Learned in childhood
• Often just partial truths
• Passed down from generation to generation
• Responsible for our financial outcomes
• Typically unconscious

The importance of money beliefs cannot be overstated. Money Scripts have been used in research and have found to be associated with income, net worth, credit card debt, financial behaviors, and other aspects of financial health.

Find Out Your Money Script Now

To-do Checklist

• Complete the Your Mental Wealth Assessment
• Complete our Client Questionnaire - the gathering of your personal and financial information to begin the organization process.

Upon completion, you will:

• Understand Your Unique Investor Behavior
• Uncover truths and fallacies about your financial beliefs
• Gain personal insight and control

You will have the opportunity to take the FHS assessments every few years to help you monitor your financial health progress.