Steven Figueroa writing out a financial plan at his desk beside a laptop

Financial Reset Program

Stop reacting to your money.Start giving it direction.

Financial Reset is a personalized strategy program. We review your real income, spending, debt, and savings, build a plan around your actual numbers, and then help you put it to work.

Book Your Free Consultation

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Illustrative example

Cash flowFinancial snapshot

We start with what actually arrives and when. Timing matters as much as the total.

  • Monthly take-home$5,200
  • Paydays2 per month
  • Each payday$2,600
  • Bills reserve$2,600
  • Everyday money$1,500
  • Emergency reserve$600
  • Long-term investing$500

Sound familiar?

You make money.But does your money have a plan?

If any of this sounds like your month, it isn't a discipline problem. It's a missing system.

Money comes in, and it's gone before you've decided where it should go.

What's missingA cash-flow plan

You make the payments, but the balances barely seem to move.

What's missingA payoff strategy

You build some savings, then one surprise takes it right back.

What's missingA protected reserve

You have goals, but nothing connects your money to them.

What's missingA system tied to your goals

What it is

It's not that you need a budget.You need a strategy.

Financial Reset isn't a downloadable template, a rigid course, or another app that tracks what already happened. It's a personalized strategy relationship built on your actual financial picture.

You aren't handed generic instructions and left to figure out the rest. We build the plan, then show you how to use it in your everyday money decisions, so the understanding stays with you.

The TaxFunders Financial Group Signature Methodology

The Four Pillars of Money™

The budget gives every dollar a purpose.The Four Pillars give every purpose a place.

Each pillar holds money with a different job. Together they form one system, so every dollar has somewhere to go and a reason to be there.

Illustrative example · one sample month

01Moves

The Money That Moves™

The money that keeps everyday life moving.

Money used to operate your day-to-day financial life — the spending and responsibilities that keep everyday life moving.

02Waits

The Money That Waits™

Money prepared today for obligations you already know are coming.

Money that already has a job but isn’t due yet — bills and obligations set aside until it’s time to pay them.

03Protects

The Money That Protects™

Built for the Unexpected. There to Protect What You’ve Built.

Money reserved to absorb the unexpected so one hard month doesn’t undo months of financial progress.

Build.Protect.Rebuild.

04Grows

The Money That Grows™

Money positioned toward the future you’re working to build.

Money intentionally positioned for long-term goals and future growth after today’s responsibilities and financial protection are addressed.

The Four Pillars are not four separate plans. They work together as one financial system.

As your life changes, the amount of attention each pillar needs changes too. That’s why the strategy is reviewed, adjusted, and strengthened over time.

Every dollar should have a purpose.Every purpose should have a place.

Built around you

We don't hand you a worksheet.We build your strategy.

This is work we do for you, not advice we leave you to sort out. Here's what happens with your financial information.

  1. We review it

    Your real income, spending, debt, savings, and credit profile.

  2. We organize it

    Everything in one clear picture of where you stand today.

  3. We set the priorities

    What needs attention first, and what can wait.

  4. We build your strategy

    Your personalized plan, written into your Financial Reset Action Plan.

Then we stay with you. We walk you through using it and adjust it as your life changes.

What your strategy can cover Every plan is different

  • Cash flow & budget

    A spending plan and paycheck structure built around how, and when, you actually get paid.

  • Debt payoff

    A clear order for paying down your balances: snowball, avalanche, or a mix that fits your situation.

  • Emergency savings

    A realistic reserve target and a plan to build it, so one surprise doesn't undo your progress.

  • Spending review

    A clear look at where your money really goes, and which changes would make the biggest difference.

  • Utilization & payment timing

    When it matters to your goals, how card balances and due dates are showing up on your credit profile.

  • Organization & action planning

    Your accounts, due dates, and next steps organized into a routine you can follow every month.

Example cover of a TaxFunders Financial Reset Action Plan, shown with a fictional client name

Example Action Plan cover. The client name and figures shown are fictional. Every client's plan is built from their own financial information.

Your personalized strategy

Your Financial ResetAction Plan.

Built from your actual financial information, your Action Plan turns the strategy into clear priorities. It shows where you stand, what each paycheck needs to do, what needs attention now, and how the pieces of your financial life work together.

Inside your plan

  • Your financial snapshotWhere you stand today, based on your actual numbers.
  • Your paycheck & cash-flow strategyWhat each paycheck needs to do before the next one arrives.
  • Your Four Pillars structureWhere your money needs to live: Moves, Waits, Protects, and Grows.
  • Your debt & savings prioritiesWhat gets attention first, what gets protected, and why.
  • Your credit & payment guidanceUtilization and payment timing where they support the bigger financial plan.
  • Your current action stepsWhat to focus on now, what we review next, and what gets adjusted.

Why it's different

Built from your real numbers.Not someone else's template.

Most budgets start from averages and rules of thumb. Your Action Plan starts from your actual situation, which is why no two plans look the same.

Most budgets start from

  • Averages
  • Generic rules of thumb
  • Someone’s template

Your real numbers

  • Your actual income
  • Your actual spending
  • Your actual debt
  • Your actual savings
  • Credit profile, where relevant
  • Goals & priorities

The relationship

We don't just build the plan.We help you live it.

Information isn't the hard part. Putting it to work is. That's where having someone who knows your numbers makes the difference.

Your Finances.Your Goals.Our Strategy.

We build the strategy around your real numbers. Then we show you how to use it: paycheck by paycheck, decision by decision.

Steven FigueroaFounder & Lead Financial Strategist
On your ownTemplates, apps, and courses
With Financial ResetYour strategy, built and worked with you
A budget templateshows you categories.

With Financial ResetBuilds the system around your actual numbers, and adjusts it when life changes.

A budgeting apptracks what already happened.

With Financial ResetHelps you decide what should happen next, and why.

An online courseteaches general concepts.

All useful. None of them organizes your whole picture into one system, or decides what your money should do next.

With Financial ResetApplies the strategy to your real situation, with someone reviewing it with you.

One organized system — reviewed with you every month, and adjusted as your life changes.

How it moves forward

Your strategy doesn't stay still.It moves with you.

You move through each stage based on your progress and circumstances, not an artificial calendar.

  1. Clarity foundation

    Get a clear, honest picture of where your money stands.

  2. Alignment strategy

    Line up your income, spending, and priorities with your goals.

  3. Financial strengthening

    Build your reserve and follow your payoff plan.

  4. Forward strategy

    Shift attention to longer-term goals as the foundation holds.

Your plan isn't built once and filed away.

We review it with you every month, because your life, your progress, and your priorities keep changing. Each review answers one question: what should your money do next?

What changed?

  • Income that moved up, down, or shifted its timing
  • Bills added, closed, or repriced since we last met
  • Balances that moved, and the ones that did not
  • Anything set aside that got used, and what it covered
  • Obligations landing before the next review
  • Goals that changed, or changed their order

Who it's for

Financial Reset isn't about starting over.It's about moving forward with a plan.

You don't have to be in crisis to need a better financial system.

  • Earning, but not organized

    You make decent money, yet it never quite feels under control.

  • Carrying debt without a plan

    Payments go out every month, but there's no clear payoff order.

  • Struggling to keep savings

    Something always seems to pull your reserve back down.

  • Preparing for a big goal

    A home purchase or another major milestone is on the horizon.

  • Goals, but no system

    You know what you want. Your money just isn't set up to get there.

  • Ready for more structure

    No crisis. You simply want your money better organized.

What progress looks like

Progress looks different for everyone.Direction shouldn't.

Where you start is personal, and so is the pace. What changes is how your money is organized, and what that feels like month to month.

Cash flow

FromWondering where it all went

TowardKnowing where it's going before it goes

Protection

FromOne surprise away from a card balance

TowardA reserve that absorbs the unexpected

Debt

FromPayments without a plan

TowardA clear payoff order you can follow

Organization

FromScattered accounts and due dates

TowardA money routine you can repeat each month

Credit

FromGuessing what affects your profile

TowardUnderstanding how balances and timing show up

Goals

FromGoals that stay "someday"

TowardMoney pointed at what you're working toward

Every situation is different. Financial Reset does not guarantee a specific result or timeline.

The investment

More than a plan.A financial system built around you.

One program: we build your strategy, then we keep it working with you.

Financial Reset Program

Program investment

$199

Initial strategy fee

$149/mo

Ongoing strategy

One Financial Reset Program. The $199 initial strategy fee covers building your personalized Financial Reset strategy around your real numbers. The $149 monthly service keeps the strategy active through ongoing review, guidance, accountability and adjustments.

What the program includes

  • Review of your real financial picture
  • Priorities organized and identified
  • Your personalized Financial Reset strategy
  • Your Financial Reset Action Plan
  • Ongoing reviews as the months go on
  • Priorities revisited and updated
  • Action steps updated
  • Guidance and accountability as life changes

Your Financial Reset StartsWith a Conversation.

Stop Guessing With Your Money. Start Building a Financial Roadmap That Works for You.

We help you understand where your money goes, identify what needs attention, and build a personalized strategy around your financial goals.

Book Your Free Consultation

The consultation is free. Credit Hero Score charges $1 for initial access to your three‑bureau credit reports so we can review your credit profile before your consultation. After the 7‑day trial, the subscription is $19.99/month unless canceled.

It's not just about knowing your numbers.It's about knowing what to do with them.

The TaxFunders approach

The consultation

What happens next

  1. Book your consultation

    Choose a day and time that works for you. The Financial Reset consultation is free.

    Right after booking, you’ll be taken to your free consultation registration to complete before the call.

  2. Complete your secure setup

    Before we meet, you’ll:

    • Set up your secure client access
    • Review and sign the agreement provided, so we can review and discuss your financial and credit information for the consultation
    • Set up Credit Hero Score, so your three‑bureau credit profile can be reviewed before the call
    • Complete the short consultation onboarding

    This is consultation setup — not enrollment in the paid Financial Reset Program.

  3. Meet with Steven

    Meet with Steven for a focused review of your financial picture, your goals and your three‑bureau credit profile. He’ll explain what he sees, what may be helping or affecting the bigger picture, answer your questions, and help you understand whether Financial Reset is the right fit.

No TaxFunders Financial Reset program payment is due just to schedule the consultation.

Credit Hero Score is a third-party service used to provide access to the three-bureau credit report for the consultation. Initial access is $1 for a 7-day trial and is billed directly by the provider. Unless canceled with the provider before the trial ends, the service renews at $19.99/month. Continued monitoring is not required for the consultation.

Common questions

Answers beforeyou book.

Anything not covered here, we're glad to walk through during your consultation.

Is this just budgeting?
No. Budgeting and cash-flow organization are part of the work, but the program looks at your larger financial picture: debt, credit where relevant, savings, stability, your goals, and ongoing strategy and coaching.
What actually happens during Financial Reset?
We review your real financial information, build a personalized Financial Reset Action Plan around it, and guide you through implementing it. From there we review progress together and adjust as your circumstances change.
Is this credit repair?
No. Your credit profile is reviewed as part of your complete financial picture, but this is a broader financial strategy and coaching service. If dispute work or hands-on credit rebuilding is your main need, TaxFunders' Credit & Financial Strategy service can be discussed as a separate next step.
Do I need ongoing credit monitoring?
Ongoing monitoring isn't inherently part of Financial Reset. Your profile is reviewed at the start as part of the complete picture; if separate credit work is needed, that's discussed as its own next step.
How long does Financial Reset take?
Financial Reset is structured around an initial six-month coaching framework, but every situation is different. Your starting point, your goals, your progress and your changing circumstances determine what support is useful over time. We review the strategy as you move forward rather than promising a fixed outcome or timeline. Ongoing monthly service may be canceled at any time in accordance with the Financial Reset agreement.
Will you help with my debt?
Yes. Debt can be part of your Financial Reset strategy. We can help you organize balances and payments, understand common payoff approaches, establish priorities within your overall financial picture, and track progress.

TaxFunders does not negotiate, settle, compromise or modify debts with creditors through Financial Reset. We do not receive client funds for creditor payments and do not make creditor payments on a client’s behalf. You remain in control of your accounts and make payments directly.
Will you tell me what to invest in?
No. Financial Reset may include education about general investing concepts and common account types such as a workplace 401(k), Roth IRA or brokerage account, but TaxFunders does not provide individualized securities or investment advice through this program. We do not recommend specific securities, funds, allocations, percentages, trades or investment transactions.

Investment decisions remain the client’s responsibility, and clients who need individualized investment advice should work with an appropriately licensed investment professional.
What happens after I schedule?
Right after scheduling, you’ll be taken to your free consultation registration. You’ll review and sign the agreement provided, create your client portal password, and set up Credit Hero Score so your three-bureau credit profile can be reviewed before the call. These steps prepare for the consultation and do not enroll you in the paid Financial Reset Program.

Then you meet with Steven for the consultation. If you later decide Financial Reset is right for you, paid program enrollment is a separate step.

Ready to give your moneya clearer direction?

Book Your Financial Reset Consultation

The TaxFunders signature methodology

The Four Pillars of Money™

Developed by Steven Figueroa Founder & Lead Financial Strategist TaxFunders Financial Group

The Four Pillars of Money™ is Steven Figueroa’s signature educational framework for helping clients understand the different jobs money may have inside an organized financial system.

Financial Reset is a financial coaching, financial organization and educational strategy service. Information presented through Financial Reset — including budgeting, cash flow, debt payoff concepts, credit concepts, savings, retirement accounts, brokerage accounts and other financial topics — is provided for general educational purposes within the scope of the program.

TaxFunders Financial Group does not provide individualized securities or investment advice through Financial Reset and does not recommend specific securities, funds, investment allocations, percentages, trades or transactions. References to 401(k) plans, Roth IRAs, brokerage accounts and other investment-related concepts are educational.

TaxFunders does not negotiate, settle, compromise or modify client debts with creditors through Financial Reset, does not receive client funds for creditor payments, and does not make creditor payments on a client’s behalf. Clients retain control of their accounts and make all financial decisions and payments directly.

Financial Reset is not individualized legal advice. Tax services offered separately by TaxFunders, if applicable, are governed by their own engagement and scope.

Individual circumstances vary. No specific timeline, debt reduction amount, savings amount, credit score change, loan approval, mortgage approval, investment return, or other financial outcome is promised or guaranteed.

Credit Hero Score is a separate third-party provider. Its services, billing, trial terms and cancellation are governed by that provider.