Yes. A review of your income and expenses will be conducted to determine current surplus or deficit along with advice on prioritizing how any surplus should be used, or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. Recommendation may also be made with respect to appropriate cash reserves for emergencies and other financial goals, and a review of accounts (such as money market funds), plus strategies to save desired amounts. Note* Crystal Brook Advisors is not a Debt Consolidating company and does not offer Loans or Credit Services.