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The HUG program is NOT about refinancing, consolidating or settling your debt. It's about positive money management for life. Our unique approach to financial coaching includes access to budgeting, debt acceleration, retirement planning, crisis management and virtually every financial condition you may experience. We help you build and maintain strong credit, gain a sense of control over your finances, and plan for your future.

We focus on areas YOU decide you need help with from building emergency cash reserves and successful budgeting to managing debt and retiring comfortably. Your HUG coach can even help you work through difficult financial challenges like moving to a new area or changing careers.

Within the HUG program, our patented debt-management coaching system, most clients enjoy an effective interest rate of less than 3%. Yes, that includes mortgage, credit cards, education debt and more!

We are proud to help our clients save tens of thousands of dollars in interest, and years of payments while acquiring valuable financial management skills.

It’s easy to find out more! Just complete this brief contact form or call us and a HUG team member will be happy to answer all your questions or schedule your free consultation.

Call 413-773-3333 or email [email protected]