We offer an integrated suite of financial services across four pillars: lending (home, business, personal, auto, education, mortgage), insurance (auto, home, life, health, travel, mortgage, burial, pet, business), investing (management, stocks, gold, mutual funds), and specialized finance (wealth management, retirement, credit repair, debt relief, tax planning, estate planning, and more). Every service is delivered by one named advisor who sees your complete picture.

Personal loans receive a same-day decision with funding in 48 hours. Auto loans are pre-approved within 24 hours, valid for 60 days. Mortgages typically close in 21–30 days from application, with rate locks available within 14 days. Business loans vary by complexity — SBA 7(a) loans take 30–60 days, while working capital lines can fund in 5–7 business days.

It depends on the product. Conventional mortgages typically require 620+, FHA loans accept 580+ (and sometimes 500–579 with 10% down), VA loans have no official minimum but most lenders want 580+. Personal loans generally require 600+. We also offer credit score repair services — the average client gains 73 points in 6 months, often unlocking dramatically better rates.

Fee-only, fiduciary, and transparent. Investment management starts at 0.65% of assets under management, declining to 0.45% above $1M and 0.35% above $5M. Wealth management and private client tiers add a flat monthly retainer ($299–$999) for planning, tax, and estate work. We never accept commissions, 12b-1 fees, or trailers from product manufacturers — our only revenue is the fee you pay us directly.

Yes. We are licensed to write insurance in all 50 states and the District of Columbia. Our advisors hold resident and non-resident licenses across auto, home, life, health, and commercial lines, and we maintain appointments with 12+ A-rated national carriers. If you move states, your coverage and your advisor stay with you — no handoff required.

Absolutely — and we recommend it. Bundling auto and home with a single carrier typically saves 12–18% on both policies, and adding an umbrella policy on top unlocks further multi-line discounts. During your annual insurance audit, we run multi-carrier bundle scenarios side-by-side so you can see exactly which combination delivers the best coverage per dollar.

Our debt relief program offers three pathways depending on your situation: (1) negotiated settlements for accounts already in collections, (2) debt management plans (DMPs) that consolidate credit-card payments at reduced interest rates, and (3) consolidation loans for those who still qualify. We charge no upfront fees — we are only paid when a settlement is successfully negotiated and accepted by you. The first consultation is free.

Three ways: call us directly at (603) 336-6092, email info@financialgrowthcompass.info, or fill out the booking form above. The first 30-minute consultation is always free and carries no obligation. We'll listen to your situation, ask clarifying questions, and tell you honestly whether we can help — and if we can't, we'll refer you to someone who can.