Financial Strategies -- About Us

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vilkri.com is the home of your financial coach, vilkri, who is here to help you analyze your financial situations and give you some information that can help you make financial decisions.

Whether you wonder about such things like how you spend your money, how much you should save, how you handle your debt, or how you can reach some financial goals, vilkri helps you get answers. vilkri gives these answers to you in a unique way; vilkri "talks" to you about your finances. You get answers in plain English. (Of course, if you love looking at numbers and graphs vilkri also provides you with tables and charts.)

You enter your expenses, your debts, or your financial dreams and vilkri tells you the story of how you spend your money, how much you should save, how you can handle your debt, or how you can reach your goals. On vilkri.com you read about your financial issues rather than be puzzled by graphs and financial tables.

vilkri is comprised of many brains that have attained university degrees in economics, business administration, and sociology, and various professional designations such as Certified Financial Planner (CFP) and Chartered Financial Analyst (CFA). vilkri also combines many years of experience in financial markets and personal finances. Along with our brains, we put our hearts into vilkri as well.

vilkri has a keen interest in helping people deal with their personal financial issues. vilkri believes that having a good handle on personal finance makes one much more relaxed about the future despite all its uncertainties, which we hope leads one to a happier life.

vilkri aims to interact with subscribers who are not very comfortable with numbers and perhaps even fear tackling financial issues. This is why vilkri "talks" about personal financial issues rather than uses charts and tables.

vilkri is a financial coach driven by the desire to bring an understanding of sometimes complex financial issues to its clients. To vilkri, success means that clients reach a better understanding of their financial situation and their future. vilkri aims to improve the chances that clients reach financial security.

vilkri offers each client an extensive look at his or her financial life. vilkri touches upon all major areas of personal finances: budget, expenses, income, net worth, debt, mortgage, retirement plan, other financial goals, asset allocation, and insurance.

vilkri's only aim is to help clients improve their financial lives. vilkri works to do that by basing its analysis on two time-honored cornerstones of financial success: spend less than you make and invest according to your personal preferences.

vilkri seeks to give its users a comfortable environment to analyze sometimes complex financial issues. First, clients never have to reveal their true identities; each client can enter data on their own without revealing any personal data such as bank account numbers. Second, vilkri's assistance comes to clients in the form of easy-to-read reports that avoid numbers and discussing very complex financial models even as they tell the stories of a the client's financial situation.

vilkri's financial philosophy is based on a conservative outlook. It aims to support vilkri's mission to help users get a good grip on their finances. This means that vilkri will always try to encourage users to save a healthy percentage of their incomes. This also means that vilkri will avoid encouraging users to get involved in financial speculation or to incur too much debt.

vilkri strives to create a financial coaching system that allows users to get a good understanding of their finances. Feedback from users is encouraged and appreciated. Such feedback will find its way into future releases and improvements to the system.

You can read about your financial situation in plain English when vilkri talks to you. You do not have to sift through financial tables and charts.

You will be anonymous throughout your entire relationship with vilkri, if you so choose. You never have to give out any information that identifies you such as your full name, your address, your social security number, your bank accounts, etc. But you will still be treated as a unique person with a unique financial circumstance.

You do not have to download any programs or files. All programs and data are kept on a secure server in the internet. You can access your account at vilkri anytime you can log into the internet.

The information you give vilkri is used to analyze all areas of your financial life – and the more you tell vilkri the better vilkri can respond, taking into account everything you have said before. The seamless integration of data used in the many financial modules available on vilkri.com is what makes vilkri able to respond directly and uniquely to your financial situation.

You can never be too late (or too early) in planning your financial future. Planning that future involves taking many, many little steps – and some bigger ones. When you take all these steps one after another, you have a good chance to reach financial security by the time you need it.

You may think that the task of getting a handle on your finances is overwhelming, but you can ask vilkri to help you make all necessary steps. vilkri helps you break down such a big project into smaller steps. While vilkri suggests where you should start and how you should proceed, designing your financial plan is all up to you. You are still in the driving seat; vilkri just gives you some guidance.

In case you lose interest in completing the task, vilkri follows up with you and reminds you to continue on your journey to financial security. vilkri is in business to help you with your financial issues.

Perhaps you are frightened of all the numbers involved in financial matters. To make you feel more comfortable vilkri prepares the analysis of your financial data in the form of a story rather than in tables and charts. (You can look at tables and charts in your reports, too, if you wish.)

You never have to enter the same data over and over, because vilkri will keep in memory all your data and link it to all the parts of your financial plan in which that data is needed. vilki will remember everything you enter to make it all easier for you as you take subsequent steps in your plan. See? That avalanche of numbers needed to organize your finances is already getting smaller!

In case you are worried about revealing your financial information to vilkri, remember that you remain anonymous for the duration of your relationship with vilkri. Vilkri refers to you by (nick)name and e-mail address, and will never ask you for your real name, your social security number, bank account numbers, or any such identifying information. vilkri wants you to feel comfortable in the knowledge that you yourself can take charge of your financial affairs without having to take risks revealing your identity.

Last, but in no way least, you can always access vilkri.com anywhere, anytime, as long as you can sign on to the internet. You never have to download any data or software into your own computer. vilkri keeps all that data and software for you on a secure server.