"Victor Encinas helped me at a time when I didn't know what I was to do.  I had been laid off my job, all my investments were in the process of failing, and I was completely bound by fear!  By genuinely listening and coaching me, Victor proved to be the Godsend I needed.  I'm still not out of the woods yet, but I now have a workable plan that has taken the weight of debt worry off my back.  Using the skills I learned from Victor, I've negotiated settlement of thousands of dollars from my debt and anticipate being debt free within the next few years!  I highly recommend Victor to anyone who is serious about using sound Biblical principles with the best practices of Dave Ramsey's Financial Peace University."

Julie B.
Phoenix, AZ.
 

"My husband and I are $36,000 in debt.  Making the appointment to meet with Victor was a very wise decision! I was so overwhelmed with the burden of our debt and not knowing how to plan or pay it off. 
 
Victor helped us create a plan and get our finances organized by providing us with financial spreadsheets and Godly wisdom.  The spreadsheets give us a clear picture of our income, debt and what steps and changes we need to make to get the debt paid off.  The first step is to see the big picture, get disciplined and then to get on a budget that works!
 
We have paid off over $4,000 in debt within 7 months.  We couldn't have done it with out Victor's encouragement and wisdom! We have a ways to go, but we are now on the right path to financial freedom.  We now have a plan for savings and our future as well.  Thank you!"

Diana M.
Phoenix, AZ.



"Victor Encinas has expertise that transcends financial advice, coaching, counseling, etc. Victor assumed a trusted advisor role, as well as becoming a friend and a Christian brother. His credentials, tools, and resource network are impressive, but that aside, he was able to get to vulnerability and relationship with my wife and I. Victor beautifully articulates gentle truth with biblically-supported financial wisdom that is practical and SMART (Specific, Measurable, Achievable, Realistic, and Time-based). Encouragement and hope are two of Victor’s greatest offerings!"

Roger G.
Phoenix, AZ.

"Victor, Your guidance has been instrumental in educating Barbara and I to the importance of budgeting, saving, spending only what we earn and eliminating debt.  Since working with you we feel we have gained more control over our finances and we now have applied the important component of accountability to our finances.

Most importantly you’ve influenced us with positive input!  Helping us build on the positive things, pointing out but not dwelling on the less productive things we’re doing, like a true coach!

Thanks for what you do!"

John & Barbara M.
Glendale AZ.

"Victor Encinas is an exceptional communicator of Biblical financial wisdom and hope for those that are struggling to break the bondage of debt in their lives, families and homes."

Mark L. Gilbert, AZ.

 

“We hired Victor Encinas to assist us in managing our finances with the goal of becoming better stewards of our resources.

Victor is motivating, inspiring, competent and caring. He helped us put a plan together for success and wealth building. He has had excellent training with Dave Ramsey who recommends him as a great financial coach. Mr. Encinas is available, understanding, and empathetic towards individuals facing financial challenges and crisis.

We will highly recommend Victor to our family, friends, and clients. We have great confidence in his character, competence, and integrity.”

Bob and Lori B.
Scottsdale, AZ.
 


"Dear Victor, I wanted to express our appreciation for all the work you’ve helped us accomplish. Prior to coming to you, we had no idea where our finances were, how much we were spending, or where we were going. After just a few short months we’ve been able to manage on a fixed budget despite irregular income, save up a three month emergency fund, and become debt free except for our mortgage.

We now realize even high income earners can be lost in the financial world and, thanks to your coaching, we now have a road map for success. We were most impressed with the way you helped us to see where we needed to change our habits without making us feel badly about the decisions we had made previously. Additionally, your ability to work around our needs and flexibility with our choices made this transition much easier.

Again, thank you for all your hard work and we look forward to referring our friends and family."

Sincerely,
Dr. Scott & Mrs. Dara L.
Cave Creek, AZ.
 


"3 years ago Victor Encinas helped change my life.  He started educating me on financial principals and explained how they could help me achieve financial freedom.  At the time, I didn’t think I was struggling with money.  I was getting my bills paid every month, I had fairly low credit card debt, and I always had a little money left over for movies and pizza.  After working with Victor for a while, he helped me realize that I was not prepared for emergencies.  I was living paycheck to paycheck and had no means of long term planning and retirement.

Victor Encinas started working with me and within a short period of time I was on track to achieve financial freedom.  I now have things like an emergency fund put in place in case I am out of work for a short period of time.  I also have a solid plan for long term budgeting and retirement.  The principals Victor recommended were not overly complex and were not hard to follow, but the key was doing them in the correct sequence.

Victor’s guidance put me in the financial position I needed in order to leave a job I was not happy in.  With an emergency fund set aside, I was able to actively pursue other positions without fear of loosing my current job.  I now have a job I enjoy and it is a wonderful feeling.

Today, I am still following the financial principals Victor Encinas has taught me.  The days of living paycheck to paycheck are behind me now and I am on track for early retirement with a nest egg large enough to last the rest of my life by living off the interest only.  The principal nest egg will be handed off to my children so they never have financial burden as well.

I strongly suggest that everyone schedule a meeting with Victor Encinas, it will change your life as it did mine."

Best regards,
Isaac M. A.
Litchfield Park, AZ.
 


"It’s been almost a year that I walked into Victor Encinas office, with a financial disaster in my hands, never enough cash, debt to my eyeballs, collectors calling, behind on my property taxes and no hope.  Well, a year later, the picture is bright, debt is down, I have over $3000.00 in my savings.  I even took a week long vacation, paid cash for everything and came home with money in my pocket. If you are struggling with bills and trying to keep your head above the water, I strongly recommend Victor Encinas Financial Coaching services, he has given peace to me, when I could not find it myself.

Thank you Victor and God Bless."

Kelly B. Proctor
Tempe, AZ.
 


"Dear Victor, I am writing this letter to thank you for the wonderful help you have been to me over the past six months. I'm not sure that I will be able to express accurately all that you have accomplished in working with me, but I want to try to do so.

When I first contacted you, I was despondent over my financial state and my inability to manage money. I had signed up for and had started attending Dave Ramsey's course on "financial peace." Financial peace however eluded me. The program made sense when I was in the class or read about it, but I desperately needed someone to hold my hand through this process.

You were the one who did exactly that! You walked through every tiny piece of the program and it's application to my life. After just one meeting with you, I experienced relief, hope, even excitement over the truth you showed me in figures.

I could not have done this alone. Although I am an ICU nurse and otherwise consider myself "competent" in managing many things in life, the sheer emotion of handling my finances has always overwhelmed and confused me.

Your patience and logic calmed me down. I feared that I was taking too much of your time and wasn't "catching on" fast enough. You were quick to assure me that you were available to me for the time I needed to grasp the concepts and be able to apply them to my situation.

You were able to see the bigger picture, my effort and small accomplishments. These small accomplishments have been turning into much bigger ones as this "debt snowball" has grown and helped my overall financial picture improve faster than I expected. Knowing that you would check in with me by e-mail and meetings, I was motivated to be accountable in a good way. I looked forward to sharing my success with you.

One more thing that is of great importance to me. Knowing that you are a Christian and seeing you walk it out in a professional relationship, makes the whole program and your work most authentic. God has used you to encourage me as a Christian and in particular, as a faithful steward of all He gives me to manage.

It has been a great joy and huge encouragement to meet and know you.

May God continue to bless you personally and your work of ministry to others."

Sincerely,
Donna M.
Mesa, AZ.



“Through our journey, Victor has been a great resource and counselor when we struggled with our budget, or when we needed advice on our financial path.”

Kevin R. - Network Analyst 
Peoria, Arizona