Located in the Black Hills of South Dakota, Angela K. Love operates an online business to reach clients coast to coast in an easily accessible format. She specializes in mentoring others manage their money in the area of both personal and business finance. Her areas of specialization include:
- working with individuals and couples with all facets of money management, helping them customize their goals to their specific needs;
- assisting entrepreneurs with creating business plans and business opportunity valuations;
- writing credit memos and annual reviews for financial institutions; and,
- offering resources for kids, teens, and adults about personal finance and budgeting.
Schedule a FREE 30-Consultation with Angela, or use the contact form below to enquire whether our products and services are right for you.
P.O. Box 934
Black Hawk, SD 57718
Areas of Specialization
Pre-marriage financial bootcamp
Many couples enter their engagement focused on wedding plans, living arrangements, and the honeymoon. Some couples include premarital counseling as part of their pre-wedding plans; however, most counseling does not adequately prepare couples for the financial aspect of marriage. The American Psychological Association reported in their 2015 study, Stress in America, which 35% of couples stated money is a key factor to harmful stress in their relationship.
Angela is joined by Phil Love in offering a 13-week Pre-Marriage Financial Boot Camp to engaged couples in a weekly, online one-hour class. Phil and Angela bring over 25 years of marriage experience and share their financial knowledge from their struggles and successes.
Creating a business plan is in itself a creative practice. It requires vision, strategic structuring, and in many ways, a call to action by others. Creating a business plan for a new venture is profoundly personal. That’s why Angela offers mentoring to help entrepreneurs create a business plan unique to their goals, objectives, and industry of interest while also being structured to a lender's preference.
personal financial audit
Many individuals and couples create budgets, but experience increased costs due to lack of proper planning and organization. The Personal Financial Audit helps users review all facets of their finances; evaluate expenses and accounts; identify issues such as overpayments and high fees; and, gather and locate all financial information in one, easy to use workbook.
Conducting a personal financial audit can be tedious and create questions, and Angela will mentor you through the process. Upon completion of a Personal Financial Audit, users can create an accurate personal budget with confidence!
business opportunity valuations
The availability of business opportunities (i.e., business purchase without real estate) is a thriving marketplace, and many entrepreneurs do not understand how to evaluate such opportunities. Angela demystifies company financials explaining the net operating income (NOI), operational expenses, strengths, weaknesses, and the industry CAP rate compared to the business opportunity CAP rate.
Angela believes personal budgets should be customized to fit the user. One-size-fits-all budgets typically fail. Angela provides a holistic approach, identifying strengths and weaknesses for each individual and couple to help them align their personal budget to their goals and daily living habits.
Understanding how various areas of finance correlate to each other is one aspect to increase budgeting success. Angela teaches financial terms and concepts throughout the budgeting process to lessen the fear of the unknown.
CREDIT ANALYSIS AND ANNUAL REVIEWS
Many financial institutions go through periods of needing a credit analyst to write credit memos and perform annual reviews for commercial loans. Angela has the necessary training and tools to provide underwriting services.
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