BILL PAYING / MONEY MANAGEMENT - This service is provided to all types of clients to help them achieve their financial goals. Emphasis is placed on operating a budget, improving credit, saving money and achieving financial freedom. This is a process that achieves the goals over time. Resolution of problems takes time. In goal setting, we help you to visualize, verbalize and realize!

BUDGET / RESTRUCTURING - Creating a budget does not have to be the nightmare that most people have experienced when trying to do it themselves. Budgeting is beneficial and a great tool to help control spending. It allows you to become aware of what you are spending and provides accountability between partners. In building a budget:

* Keep a record of your spending * Deal with FACTS not fantasy * Work with your spouse

* Small victories are important * Overtime pay is for savings * Involve a third party !

MORTGAGES & REFINANCING - At Johnson & Associates, we provide mortgages and refinancing to all segments of the home financing market. Conventional, adjustable rate, FHA and first-time buyer programs are available. A mortgage loan officer is on site.

CRISIS MANAGEMENT - Crisis management is required to address issues arising out of loss of job, accidents, foreclosure, illness, addictive behavior or just plain bad choices. Whatever the cause, the solution is critical and needs to be addressed in a professional way and in a timely manner and ALWAYS with respect and without condemnation.

At Johnson & Associates we offer:

* Financial problem resolution - with HEART
* Creditor intervention - with DETERMINATION
* Credit report clean up - with HOPE
* Financial restructuring - with CONFIDENCE

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