JDK Capitals AI LLC
Restoring Financial Stability. Rebuilding Credit. Creating Generational Wealth.
A comprehensive financial education, credit counseling, debt management, and wealth-building system that empowers individuals, families, veterans, seniors, and business owners to make informed financial decisions and achieve long-term financial independence.
Our Foundation
To provide individuals, families, veterans, seniors, and business owners with a comprehensive financial education, credit counseling, debt management, and wealth-building system that empowers them to make informed financial decisions and achieve long-term financial independence.
Professional Standards
Structured Recovery
Comprehensive Intake
Over 300 assessment points covering Financial History, Income Analysis, Cash Flow Analysis, Budget Review, Credit Report Review, Debt Analysis, Spending Behaviors, Financial Habits, Financial Stress Assessment, Financial Goals, Family Financial Environment, Retirement Planning Status, Insurance Review, Estate Planning Status, Military Benefits Review (Veterans), and Risk Assessment.
Professional Review
In-depth review of Credit History, Payment History, Collections, Charge-offs, Late Payments, Repossessions, Bankruptcies, Judgments, Tax Liens, Credit Utilization, Debt-to-Income Ratio, Available Credit, Credit Mix, Length of Credit, Identity Theft Risk, and Fraud Prevention.
Evaluating Behaviors, Not Just Numbers
Assessment of Impulse Spending, Emotional Spending, Stress Spending, Financial Anxiety, Money Beliefs, Goal Setting, Decision Making, Risk Tolerance, Financial Confidence, Self-Discipline, Financial Communication, and Family Financial Habits.
Every Debt Analyzed
Comprehensive analysis of Credit Cards, Medical, Vehicle, Student Loans, IRS, Mortgage, Personal Loans, Collections, and Family Loans. Each debt receives a Priority Rating, Risk Rating, Interest Analysis, Negotiation Strategy, Payoff Strategy, Timeline, and Monthly Impact.
Income & Expense Optimization
Full analysis of Income, Fixed Expenses, Variable Expenses, Lifestyle Expenses, Emergency Expenses, Monthly Surplus, Monthly Deficit, Financial Efficiency Score, and Savings Potential.
Customized Budget System
Development of a Daily Budget, Weekly Budget, Monthly Budget, Quarterly Review, Annual Plan, Automatic Budget Tracking, Bill Calendar, and Cash Flow Forecasting.
Professional Roadmap
Structured recovery milestones at First 30 Days, First 90 Days, Six Months, One Year, and Two Years — with expected improvements, progress measurements, and milestone tracking.
Individualized Action Plan
Personalized plan with Goals, Action Steps, Assignments, Deadlines, Monthly Reviews, Coach Notes, Accountability Meetings, and Success Measurements.
Building Long-Term Wealth
Guidance on Emergency Fund, Retirement, Investments, Home Ownership, Business Ownership, Estate Planning, Tax Planning, Insurance Planning, Passive Income, and Legacy Planning.
The Ultimate Goal
Development of a Five-Year Plan, Ten-Year Plan, Retirement Readiness assessment, Debt-Free Date projection, Net Worth Goals, Legacy Strategy, and Family Financial Education.
Practitioner Resource
Client Resource
Approximately 250–350 pages of professional-quality content.
Professional Credential
Certified Financial Recovery Coach (CFRC)
Level I
Financial Coach
Level II
Certified Credit Counselor
Level III
Senior Financial Recovery Coach
Level IV
Master Financial Recovery Consultant
Technology
Take the first step toward financial stability, credit recovery, and generational wealth. Our comprehensive program meets you where you are and guides you to where you want to be.
