Question 1

How do I get started?

Accepted Answer

The easiest way is to schedule a free 30-minute consultation using the link in the header. We'll talk through your situation and figure out together whether coaching, bookkeeping, or both makes sense for you. No commitment required.

Question 2

What should I prepare for my first session?

Accepted Answer

Nothing specific is required. If you have a rough sense of your monthly income, major expenses, or financial goals, that's helpful — but you can also come with zero preparation. We'll figure it out together.

Question 3

Where are you located? Do I need to come in person?

Accepted Answer

We're based in Owatonna, MN but all services are delivered 100% virtually. We meet by video or phone call. No office visit required — ever.

Question 4

What services do you offer?

Accepted Answer

We offer two core services: financial coaching (budgeting, cash flow, debt payoff, goal setting) and basic bookkeeping (transaction categorization, monthly summaries, records prep for tax season).

Question 5

Can you help with investing or taxes?

Accepted Answer

No — we are not a registered investment advisor and do not provide investment advice, tax advice, or tax preparation services. We can help you build a strong financial foundation and coordinate with your CPA or investment advisor when needed.

Question 6

Do you offer retirement planning?

Accepted Answer

We can help you think through savings habits, contribution goals, and cash flow planning that supports retirement preparation. However, for specific investment strategies or retirement account management, you will need a licensed investment advisor.

Question 7

How is my information protected?

Accepted Answer

Our website runs over HTTPS. Any documents or financial information you share with us are handled with care and stored securely. We do not sell or share your information with third parties.

Question 8

How much do your services cost?

Accepted Answer

Pricing depends on the scope of services. We keep pricing transparent and will discuss exact costs during your free consultation before any commitment is made. There are no hidden fees.

Question 9

Are there any long-term contracts?

Accepted Answer

No. We do not require long-term contracts. Services are offered on a month-to-month basis unless otherwise agreed.

Question 10

Is the initial consultation really free?

Accepted Answer

Yes — completely free, no obligation, no pressure. It's a 30-minute conversation to see if we're a good fit. If we're not the right service for you, we'll tell you honestly.

Question 11

Can I delete my data?

Accepted Answer

Yes. You can request deletion of your personal information at any time by emailing info@hormarfinancial.com. We will confirm deletion within a reasonable timeframe.

Question 12

Who has access to my financial information?

Accepted Answer

Only Abdirahman Moussa, the founder of Hormar Financial, handles your information. We do not have staff or third-party contractors who access client data.

Frequently Asked Questions

Getting Started