five stars



Al Garver is a Ramsey Solutions Master Financial Coach.  For more than 25 years, Al presented his own financial freedom seminars in churches, teaching individuals and families how to get out of debt and work toward new life goals. 

In 2021, Al joined Dave Ramsey's team and underwent advanced training to become certified as a master financial coach.  Al can coach people with simple, complex or daunting financial situations.  In any scenario where he doesn't have a solution, he can secure an answer from the Ramsey Solutions team.  He serves clients in Idaho and Montana.

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If your finances are causing stress and anxiety, Al can help you get to a place of financial peace.  He'll assist you in breaking out of the paycheck-to-paycheck cycle and get you on the road to true financial independence.  Find out if he can help you with your financial challenges and dreams. Sign up for a free initial consultation and choose a date/time that works best for you.

Al served 34 years in the U.S. Air Force, Air Force Reserve and Air National Guard.  Al served in Iraq in 2009-2010 and retired in 2017 as the State Command Chief Master Sergeant of the DC National Guard.  He has also managed non-profits and trade associations for 30 years.

Al earned his Master of Business Administration from University of Phoenix and a Bachelor of Science in Small City & Rural County Management from Eastern Oregon University.


start your new financial future today

Introductory zoom meeting

Half an Hour / No Fee

An introductory Zoom meeting enables Al to learn about your unique financial situation, and for you to ask any questions about his background and expertise.


The length of the meeting depends on the complexity of finances, but the average is 30 minutes.

Financial Coaching Bundle

  • How to bust out of the paycheck-to-paycheck cycle

  • Dealing with credit collections and foreclosures

  • Dealing with overwhelming student loans.

  • A detailed analysis of your current debt, income and net monthly cash flow

  • A custom budget spreadsheet with your numbers plugged in that shows the path out of debt

  • A three-year debt reduction plan based on your actual numbers

  • How to monitor, manage and improve your credit score

  • An evaluation of your Social Security benefits

  • How to monetize free time to accelerate getting out of debt

  • Credit unions versus banks

  • Money and marriage

  • Money and parenting

  • Reading/learning resources

  • Accountability and encouragement

Advanced Coaching Topics

  • Principles of Christian giving

  • Maximizing emergency/ opportunity funds

  • Education and college funding considerations

  • Accessing military academies, ROTC scholarships, and Post 9-11 G.I. Bill funds

  • Insurance and risk management considerations

  • Retirement planning and estate planning considerations

  • Philanthropic considerations

  • Evaluating the real cost of cars and toys and hobbies

  • Financial considerations of divorce

  • Financial considerations of bankruptcy

  • Legal considerations (Wills, Medical Power of Attorneys, etc)

  • Third party assistance regarding major financial decisions