Your Sure Foundation

Offering Freedom through Financial Literacy

We help build the confidence to plan and achieve financial goals while improving your present housing situation.

Our counseling services address: financial/credit/housing client needs, and our education services focus on sharing vital financial/credit/housing information free to the community in group classes and workshops.

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Current Programs

We Provide Financial / Housing / Credit / Coaching / Counseling

Your Sure Foundation (YSF) provides accessible resources to help increase your knowledge and confidence so that you can ultimately avoid the accumulation of oppressive debt while building financial resilience.

One-On-One Counseling

Our housing counseling services include guidance, education, and advocacy for new home buyers, renters, forbearance, foreclosure, and loan modification assistance and counseling. We work with landlords, lenders, homebuyers and homeowners in various situations to accomplish their goals, whatever challenge or goal they may be trying to accomplish/overcome.

Our credit counseling services include guidance, education and advocacy for individuals in debt, and/or with bad credit status by preparing a plan with specific items to be paid off/removed from the individual’s credit report, paying down debt to specific levels in order to increase credit score, and improving Debt to Income ratio (DTI) per lending guidelines for lender qualifications.

  • Learn the ins and outs of Credit and Credit ReportsOur financial coaching services include developing a budget/strategic spending/savings plan, Creating an emergency fund, understanding various investment strategies, and basic Estate Planning strategies to help educate and empower individuals to achieve their goals and be set up for a stable financial future.
  • Avoid bankruptcy
  • Get Grounded with your Financial Health

Initial Consultation Fee

Original price was: $350.00.Current price is: $0.00.

*$75 per hour, after Initial Consultation

Estate Planning Document Preparation

Our Estate Planning Document Preparation program is available through our affiliate attorney, William MacDonald, H&M Law, PLLC. Documents are prepared based on your information and consultations with the attorney as needed. Once all information necessary to prepare your documents has been received, William will prepare your documents and return them to our office for your review. Upon acceptance, your final documents will be prepared for delivery and funding.


  • Phone interview with client as needed
  • Revocable Trust, Wills, General POA, Healthcare POA, Mental POA, Living Will
  • Review Documents with Clients
  • Organize Trust Binder for Notary
  • Prepare Deed for Transfer into Trust (includes two deeds – additional deeds at $125.00 ea)
  • Prepare Bank Letters for Checking/Savings Accts.
  • Prepare Investment Company Letters for each account
  • Review Beneficiary designations for retirement accounts
  • Provide ADOT Beneficiary Transfer Forms
  • Power of Attorney Documents (included in complete Plan – additional POA’s at $125.00 ea)
  • Trust Amendments $250.00

Original price was: $1,200.00.Current price is: $750.00.

*We can offer highly discounted Wills & Trusts thanks to our attorney partnership with H&M Law

Home First Program

Designed to get individuals ready for home ownership.

The program includes access to a First-Time Home Buying class + Certificate.

Includes a 3 Bureau Credit Report and guidance to improve credit scores

Clients receive a custom, 90-day audited budget and a personalized saving/spending plan.

6 Counseling/education sessions with a housing/credit/financial counselor covering:

  • Debt to Income (DTI) Ratio
  • Improving your credit score
  • Emergency Fund
  • Preparing for Downpayment
  • Post-Housing Maintenance
  • Proper File Documentation


Credit Solutions Program

An intensive program to work with individuals to tackle debt, improve credit scores and meet lender requirements in a concentrated time period, such as applying for a home loan. A credit coach is assigned to you until you complete your target goals. (See Client and Counselor Roles and Responsibilities – Program Disclosure Form, Action Plan Target Goals)

This program is suitable for individuals working to clear up credit problems in preparation for the possible extension of credit by a lender. (YSF does not guarantee an extension of credit by a lender, nor is it an offer to extend credit).

Services include:

  • Action Plan
  • Tri-merge Credit Report
  • Credit Expert simulations and analysis
  • Audited budget and customized saving/spending plan
  • Targeted debt reduction strategy/debt-Free coaching

Counseling/Educational Coaching sessions covering:

  • Establishing an Emergency Home Fund
  • Understanding Your Credit Report and FICO Scores
  • Using Time Value of Money
  • Power of Interest


Financial Coaching

A 6-month program to work with individuals to achieve financial goals & wellness. Clients receive a custom, 90-day audited budget, a personalized saving/spending plan, and a Tri-Merge Credit Report.

Individualized Counseling/Coaching sessions include:

  • Retirement
  • Wealth Planning
  • Establishing Emergency Funds
  • Small Business Planning
  • 6 Individual Sessions
  • Weekly phone Check-Ins


Community Education

Free Classes to aid in your journey to financial freedom.

Our Education Workshops and Classes include topics related to Housing / Personal Finance / Understanding Credit / Basic Estate Planning– all topics not generally taught in schools and often not at home. All of our classes are free and we offer them frequently to the public.

Our services are unique in that we serve a wide demographic of individuals with a variety of different needs, but our heart is to help advocate for and equip members of the community with the ability to make responsible, informed choices about their Housing, Credit, and Finances.

"Able to Save My Home"

YSF has been a great impact on my life at a time when it was much needed. Donna has been a great influence for me with assisting my needs with my house at a time when my husband had at one point walked out …I needed assistance with contacting him and getting his signature in order to save my home. Donna helped me write the hardship letter and was able to communicate with my husband at a time when He would not talk to me directly. I was able to forward the signed hardship letter to our Lender and if it had not been for Your Sure Foundation, I’m not sure I would have been able to save my home. I will never forget that dark moment in my life. My Husband and I are now back together, We are still working on our financial future. Im so glad that God has brought Mark and Donna into our lives. Through their guidance and mentoring My Husband and I know that we can call on them and they will be there to support us.
– Janice

"Becoming Financially Stable"

Your Sure Foundation is really helpful they helped me pick a path toward working toward becoming financially stable. -Helped me look at my credit and make smart decisions on my finances and how I was going to tackle my debt.
– Jordan, B.

"Reviewed My Trust"

My son and I met with Mark Savage at Your Sure Foundation to review our family trust and other documents that our family will need upon the demise of both my wife and I. We also discussed means of saving money by taking advantage of special programs for seniors at various agencies
– Bill, S.

"My First Home!"

I was wanting to purchase a home for the first time, and was really “lost” when it comes to credit ratings, qualifying, and building credit. Mark and Sure Foundation not only helped inform me in these areas, but actually assisted me in acquiring a credit-building card, coached me on how to manage that, and in the end: I qualified to purchase my first home! Very grateful for their help and can certainly vouch for their expertise and quality customer service
– David, B.

Get Free Financial Literacy Help

It’s always good to have an expert on your side. Let the experts at YSF help you make the most of your money. Budget counseling is free and available anytime.

Your Sure Foundation (YSF) provides accessible financial planning resources to low-income and BIPOC Arizonans to increase their knowledge and confidence to avoid accumulating oppressive debt while building financial resilience. We have been providing accessible financial literacy education to the underserved El Mirage, Surprise, West Valley, and Sun Cities, AZ, retirement communities since 2011.

Our free Counseling services address Financial/Credit/Housing client needs, and our Education services focus on sharing vital Financial/Credit/Housing information FREE to the community in group classes and workshops.

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