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The Fitness Center For Your Financial Health

Don't Be a Statistic

  • 63% can’t absorb a $500 emergency expense
  • 51% spend more than $1,000/month on debt
  • 63% couldn’t pay bills if pay was delayed 1-week
  • 57% are ‘Very’ or ‘Somewhat’ stressed by finances
  • 24% have less than $1,000 in emergency funds
  • 55% couldn’t replace one month of income
  • $70 billion/year in 401k hardship withdrawals

Call us: 1-317-238-3720

Four Steps to Financial Health

01 Assess

Prescription before diagnosis is malpractice. Understanding your state of financial health right now is the starting point. Click here to take our confidential Financial Health Assessment

02 Learn

Learning how money works - in a way that isn’t taught anywhere else – is the next step toward financial health. Click here to set up your personal access to our online learning center.

03 Apply

Knowledge isn’t power – but the Application of knowledge is – You’ll need proven tools and workable practices to put your new knowledge to work. Click here to access our online learning center.

04 Solve

Sometimes we need a little help Our Financial Wellness Coaches are expert who are ready to help, and have demonstrated a heart for teaching and a commitment to service. Click here to meet your Financial Wellness Coach

About Us

Our Story

Financial Wellness became a passion for our founder, James Beattey, soon after he retired from the corporate world, and entered the financial services arena.  A successful executive for many years, Beattey couldn’t figure out why, even as a high earner, he always seemed financially stressed.

Fifteen years and two books later, he has developed a way of thinking and teaching others how money works, revealing the secrets the mainstream financial services community would prefer you not know.  

When individuals apply the knowledge, principals, practices, and access the strategies that make others wealthy, they become empowered, and can see the world through a different lens.

The Velomon Financial Wellness program is the culmination of all that time, research, trial-by-fire, and learning that Beattey began.  With a growing army of Financial Wellness Coaches who understand, subscribe to, and teach in the same way – the crusade to educate and empower America is under way – and you can be a part of it.

Our Philosophy

Our Philosophy – There are two ways to succeed as a financial services professional: you can succeed based on the continued ignorance of clients, or you can succeed by enlightening clients.  We choose the latter.  We teach first - and solve problems only when a client understands why a strategy is put in place.

We also believe that those who are forgotten or ignored by the mainstream financial services community deserve access to information and knowledge.  That’s why we include subjects like budgeting – debt elimination -and others.  We serve those for whom there may not be an immediate or obvious money-making opportunity – believing our reward lies largely in the lives we change.

Our Mission

Our mission is succinct – but ambitious in its potential impact:  Velomon seeks to improve the Financial Health of Americans through Education and the Application of new knowledge about money and financial institutions.

Our Financial Wellness Coaches

Stock brokers, financial planners, insurance agents, and advisors are a dime a dozen.  Most are far more proficient at extracting money from their clients than they are serving their needs. That’s why only a small handful of financial professionals qualifies to become a Velomon Financial Wellness Coach.

Not only do our FWC’s possess knowledge of money and markets, but they must have the demonstrated heart of a teacher, and a spirit of service to others.  Slick sales-types need not apply.  The result:  you end up with trustworthy, caring individuals who will work hand-in-hand with you to understand and help you accomplish your most ambitious financial goals.

Imagine for a moment that the following statements were true in your life:

  1. I know how much money comes into my household each month, I know where it goes, and I pay my bills on time and in full every month.
  2. I have a plan that is being consistently funded – for large expenditures like homes, cars, college, and others.
  3. I have money available to sustain me through an emergency expenditure or at least a 3-month interruption in my income.
  4. I have a funded retirement plan that will provide me with at least 70% of my working income.
  5.  I have a modest debt load, I understand the difference between ‘good’ debt and ‘bad’ debt, I take debt on sparingly, and I have a plan to pay it off.
  6. I have properly insured myself against risks that can derail a good financial plan, specifically my income (life, health, disability)

Financial Wellness

What is Financial Wellness?

Our definition of Financial Wellness:  The process of learning how money and financial institutions work, and applying that knowledge to solve major financial challenges, relieve money-related stress, and achieve desired financial goals and outcomes regardless of income.

There’s little doubt Americans are sick – financially. Consider some of the statistics you have seen above.

But what are we doing about it?

  • How money and financial institutions work is not taught in school
  • It’s not taught at home (because most of our parents were never properly educated)
  • It’s not taught by the financial services industry – they’re too busy looking out for their own interests
  • It’s not taught at work

So what are people to do?  How do we access the information we need to make better decisions and create better outcomes?

That’s what the Velomon Financial Wellness portal is all about.  It provides access to online, on-demand learning that’s not selling them anything, but is committed to education first.

Sure there’s a financial wellness coach at the ready to help implement strategies and solutions, but only when YOU’RE ready.

How Does Velomon Deliver?

We believe becoming financially health is a process with four distinct steps:

01 Assess

Prescription before diagnosis is malpractice. Understanding your state of financial health right now is the starting point. Click here to take our confidential Financial Health Assessment

02 Learn

Learning how money works - in a way that isn’t taught anywhere else – is the next step toward financial health. Click here to set up your personal access to our online learning center.

03 Apply

Knowledge isn’t power – but the Application of knowledge is – You’ll need proven tools and workable practices to put your new knowledge to work. Click here to access our online learning center.

04 Solve

Sometimes we need a little help Our Financial Wellness Coaches are expert who are ready to help, and have demonstrated a heart for teaching and a commitment to service. Click here to meet your Financial Wellness Coach

The four pillars of Financial Health

What does financial health look like?

SPEND:
A spending plan (budget) ensures that you know what comes in and goes out each month, and that both financial obligations and financial priorities are being paid/funded.
SAVE:
Adequate reserves are in place to – without debt – fund a $1,000 emergency expenditure or sustain at least a 3-month interruption in income.
DEBT:
All debt (including mortgage) consumes less than 30% of take-home income, new debt is taken on sparingly, and there is a written plan to pay debt off.
PLAN:
Long term financial expenditures are identified, agreed, and are being funded (home, cars, college, retirement, etc.), and financial risks (income and assets) are properly insured against.

Learning
Opportunities

The Velomon Financial Wellness portal is accessible 24x7, and offers learning opportunities in each of the following areas:

Spending

Getting control of how money comes in and flows out of your household is fundamental to developing a financial plan and achieving financial success. This module discusses the process and tools for establishing a guilt-free, judgment-free, easy to manage – family budget.

Debt

The number one financial landmine in the American household is debt. This module contrasts healthy debt from unhealthy debt, outlines a pathway to debt freedom, and shows how you can have what you want – but live interest free – forever.

Retirement

Most retirement planning – strategies – and investment vehicles expose our money to uncertainty. The uncertainty of markets, of taxes, of fees and commissions, of how much future income we can rely on. This module lays out a framework to eliminate uncertainty and plot a pathway to the kind of retirement we dream of.

Student Debt

This is the number one financial issue for those under 40. It has victims shelling out extraordinary proportions of their income, and puts life on hold (marriage, children, home purchase). This module will show learners how to get rid of student debt – quickly – and have the cash they need to get life on track – on time.

Protection

The best laid financial plan in the world can be instantly destroyed by a sudden loss of income (a medical crisis, disability, or premature death) or an attack on assets (a lawsuit, car accident, etc.). While there is insurance against most such risks, most don’t know what to buy, what not to buy, and how to buy efficiently. This module discusses those options.

College Planning

Given the rise in the cost of college and plummeting 4-year graduation rates, selecting the ‘right’ college and figuring out how to pay for it can be an overwhelming task for most families. This module breaks down the process and begins to tilt the odds of successfully navigating this stage of life – in your favor.

Scholarship

It is nearly impossible to ‘save’ aggressively enough to keep up with the ever- increasing cost of college. That’s why the Velomon Scholarship Program offers every member a minimum $500 scholarship redeemable at nearly 400 colleges nationwide. And that’s just the start. Once you’ve enrolled in the Scholarship program, we’ll show you other ways to receive additional scholarships – up to nearly $54,000 per student. What are you waiting for?

Who is it for?

BUSINESSES

Businesses can add Velomon’s Financial Wellness program to their employee benefit package quickly and inexpensively. 

Financially healthy employees help companies recover the enormous cost of lost productivity, absenteeism, and turnover – related to financial stress at home – a cost born 100% by the company/business owner. 

Among the Velomon Financial Wellness program attributes are tangible – sought after benefits like a student loan debt program, and college scholarships – benefits that are both visible and appreciated. 

As good talent become more expensive to recruit, train, reward, and retain – low cost, high-impact employee benefits – like financial wellness - are no longer a luxury – they’re mission-critical and provide businesses with a sustainable competitive advantage.

Churches

The calling of the church is to reach into the community at a deep, spiritual level.  Attracting and retaining followers is a constant challenge – and is often a measure of how effective the church is at its core mission. 

Being of service to the community outside the traditional definition of what is expected of a church, fosters an environment of helpfulness that attracts others, and creates a ‘stickiness’ that makes up the life-blood of the church. 

The Velomon Financial Wellness program helps churches achieve that outcome.

Membership Organizations

While membership organizations come in all shapes and sizes, a common recurring theme is the need is to bring in new members and keep current ones.  The member benefit package is a key driver on both fronts.

Having/adding a Financial Wellness program – particularly one that has a few very visible, tangible benefits – like guaranteed, real-dollar scholarship – can assist in that mission.  Benefits attract – and benefits create stickiness.  Sign up now and let us help you fulfill your mission.

Individuals

Individuals are encouraged to set up a confidential free membership where they can have access to the Velomon Financial Wellness Learning Center and if needed, work with a certified Velomon Financial Wellness Coach.

Financial Professionals

As the demand for Financial Wellness explodes, Velomon is constantly adding Financial Wellness Coaches who have what it takes to carry our brand and serve our clients – and we have openings nationwide. 

We look for those who have a heart to teach, and a spirit of service to others.  We look for team players – since many of our clients are geographically disparate – and expect consistency in our message and our service regardless of proximity.

Are you looking to change lives?  Are you looking to apply your knowledge and experience in a deeply meaningful way?  Then perhaps we should start a conversation and see if Velomon might be a good fit.

Pricing

The Velomon Financial Wellness portal is provided free of charge to anyone wishing to set up a membership and access the portal learning center. Free members also have access to a certified Financial Wellness Coach.

Organizations wishing to have a ‘branded’ portal entry page pay a one-time setup charge. The setup charge varies based on the account’s commitment to support and promote the program. Contact us for more information, or click here to see our standard, informal partnership agreement.

Business

General: Free

Branded portal: One-time setup charge – contact us

Church

General: Free

Branded portal: Discounted setup charge – contact us

Membership Organization

General: Free

Branded portal: One-time setup charge – contact us

Contact Your Financial Wellness Coach


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