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WALLET WELLNESS EXAM
Who Is the Income Care Unit?
IRA Financial is one of the nation's leading Self-Directed IRA providers, making it possible for investors like you to put your retirement funds to work in real estate, private equity, and beyond with full legal compliance and unmatched support.
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Founded by tax attorney Adam Bergman, a nationally recognized SDIRA expert
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Featured in Forbes, The Wall Street Journal, and major financial media
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Industry-leading technology platform for real-time account management
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Dedicated compliance team ensuring every investment meets IRS guidelines
2018
Founded & Trusted Since
The Annual Check Up Every First Time Buyer Never Skips
Most people find out their finances aren't buy-ready in the middle of a lender conversation, and by then it's already cost them time, money, or the property they wanted.
The Wallet Wellness Exam gives you that answer months ahead of time, while you still have room to fix what needs fixing.
We sit down with you and go through your full financial picture together: your spending patterns, your savings, your debt, and your credit, all of it. Nothing gets skipped and nothing gets guessed at.
By the end, you'll have a clear diagnosis of what's working in your favor, what's working against you, and exactly what needs attention before you walk into a lender's office.
Your Full Financial Workup
Spending Patterns
Where your money is actually going each month, and which habits are quietly working against your homebuying timeline
Savings Position
How your current savings stack up against what a lender and a down payment will actually require
Debt Load
What your existing debt is doing to your buying power, and what order to tackle it in
Credit Standing
What's helping your approval odds, what's hurting them, and what's fixable before you apply
Readiness Timeline
A realistic picture of how far out you are from being truly buy-ready, not just approval-ready
Wallet Wellness Exam
1 hr • $148
How the Wallet Wellness Exam Works
Book Your Exam
Reserve your spot and complete a short intake so I walk in already familiar with your situation
Full Financial Workup
We go through your spending, savings, debt, and credit together in one focused session
Get Your Diagnosis
You'll walk away with a clear written breakdown of what's working, what's not, and what needs attention first
Build Your Action Plan
We'll map out the specific next steps to close your gaps, in the order that actually moves the needle. Including our coveted 52 week cashflow plan
Decide Your Next Step
Some clients are ready to buy soon and just needed the clarity. Others choose to continue the work with our homebuyer financial coaches inside the Rental Ready Rehab™
What Happens After Your Exam
For a lot of clients, the Wallet Wellness Exam is the first honest look they've ever had at their full financial picture, and it naturally raises the question of what to do next. If your results show you need ongoing, hands on support building your financial foundation, that's exactly what Rental Ready Rehab™ is for.
Rental Ready Rehab™ is our monthly coaching program for first time buyers who want continued guidance closing the gaps the exam uncovers, all the way through closing day and beyond. It's not required after your exam, but it's there if you want it.
"Most people don't find out their finances aren't ready until a lender tells them no. I built the Wallet Wellness Exam so you get that answer before you approach a lender, while you still have time to do something about it. Think of it as your yearly check up, the one that catches the small stuff before it turns into a denied application."
Candace
Founder, The Income Care Unit™
Why Clients Book the Exam Every Year
A Real Diagnosis, Not a Guess
You're not getting a generic credit score readout. You're getting an actual assessment of your financial health from someone who works exclusively with first time buyers building toward homeownership
Built for First Time Buyers
We specialize in first time buyers who want their first home to work for them, whether that's a rental property first or a primary residence. Your exam reflects that goal from the start
One Session, Full Clarity
You don't need months of appointments to get an honest answer. One focused session gives you the full picture and a plan you can act on right away
A Yearly Checkpoint
Your finances change every year, and so should your plan. Booking the exam annually keeps you from drifting off track between now and closing day
No Fluff, No Filler
Every part of the exam ties directly back to your buying timeline. You won't leave with generic budgeting tips. You'll leave with your specific gaps and your specific next moves
A Clear Next Step
If the exam shows you need ongoing support, you'll know exactly what that looks like and what it costs before you commit to anything further