🧭 Financial Coaching & Debt Elimination Services

Take Control. Eliminate Debt. Lead Your Financial Future with Confidence.

At The C & R Group, LLC, we believe that financial strength starts with structure, clarity, and the elimination of high-interest debt. Our coaching and debt elimination services are designed to empower you with the tools, strategies, and accountability needed to build wealth—starting with mastering your cash flow.

Led by Dr. Jose G. Cardenas, a retired U.S. Army Finance Officer and financial strategist, we apply the same mission-driven approach used in combat operations to help you win the financial battles you face at home.

💡 What We Offer

• 1-on-1 Financial Coaching Sessions
  Receive personalized guidance on managing income, expenses, credit, and debt—complete with actionable steps and follow-up planning.
• Debt Elimination Strategy (The “Wealth Recovery Plan”)
  We build a custom, tax-integrated payoff roadmap—whether you’re dealing with credit cards, personal loans, student debt, or business liabilities.
• Budget Optimization
  Create a cash flow system that’s aligned with your goals. We help you allocate income with purpose—without feeling restricted.
• Financial Habit Coaching
  You’ll learn to shift behaviors, reframe your relationship with money, and develop habits that support long-term growth.
• Credit Recovery & Score Optimization
  We teach you how to build, protect, and maintain strong credit profiles—personally and for your business.
• Debt-to-Wealth Conversion
  Once your debt is under control, we help transition your freed-up cash into wealth-building strategies like IULs, Roth IRAs, or real estate investment.

🎯 Who We Help

• Dual-income families with debt and conflicting priorities
• Military families transitioning from active duty
• Small business owners with credit-based expansion
• Professionals with student loans or personal loans
• Individuals ready to break the debt cycle for good

🧠 “The Mission-Ready Money System”

All coaching clients gain access to our Mission-Ready Money System™—a proven step-by-step framework that includes:

1. Clarity Phase: Income + liability breakdown
2. Control Phase: Cash flow & payment reallocation
3. Execution Phase: Rapid payoff strategy & accountability
4. Transition Phase: Investing & future wealth planning

📘 BONUS: All coaching clients receive a free copy of Dr. Cardenas’ book
Budgeting & Saving: Fundamentals of Financial Management

• personalized access to worksheets and templates from the book series.

📦 Coaching Packages & Pricing

• Initial Session (90 mins): $295
  Includes assessment + written action plan
• Mission-Ready 90-Day Plan: $995
  Three 1-on-1 sessions (monthly)
  Access to the Mission-Ready Money System
  Weekly accountability check-ins
  Digital planning tools + book
• Debt-Free in 12™ Program: Custom pricing (by quote)
  Full-year engagement for high-liability clients
  Includes tax strategy, insurance integration, and IUL deployment options

📞 You don’t need to fight debt alone—let’s take the mission together.
Book your financial coaching consultation and reclaim control of your financial future—with the guidance and structure of a seasoned strategist.

👉 Schedule Your Coaching Session Today