When initially hearing about Skyline Drive Fiduciary, there are a great many people who might find the idea of enrolling to be very appealing. However, it’s important to understand that the program was not designed for everyone, and what determines whether or not you might be a good fit can have a lot to do with demographic issues related to your age, your income, and the general state of your finances, but also a great deal to do with your personality characteristics. SDF has compiled a list of some of the most critical personality-based factors to help you ascertain whether you might be a compatible client of the program and whether it would be worthwhile for you to proceed any further with the enrollment process.

If any or all of the following statements apply to you, there is a good chance that you could greatly benefit from the services that SDF has to offer:

 

 

• You’re someone who delegates authority well and have a solid history of proving yourself capable of embracing what others have to bring to the table, even in situations where you’re not answerable to them and have no obligation to listen to their suggestions or welcome their contributions. You recognize that everyone has certain strengths and weaknesses and that you can often benefit from the strengths of other people who are willing to offer them in areas where there are weaknesses in you.
• You don’t feel the need to always be the one in control of things, and you’re capable of trusting and leaning on others when you realize that they have your best interests at heart and that they also have certain talents, strengths, and capabilities which may exceed your own.
• You’re not someone who excels at basic arithmetic, making financial decisions, keeping track of many things at once, remembering due dates, and maintaining all of your expenses in an orderly fashion. You have a tendency to get confused very easily with regard to finances in general and struggle with understanding credit card statement cycles.
• Although you don’t spend money irresponsibly and you’re not living way beyond your means, you often find yourself in an awkward financial position where bills are either paid a little late or you neglect to pay them and end up getting hit with undesirable (and entirely avoidable) fees as a result.
• You have a certain degree of stability in your life (where you experience the benefit of a steady income and monthly expenses that are within your budget), but you’re barely scraping by and just need a little help making ends meet and paying for everything in a timely manner (and in the right order).

 

• You’re a relatively conscientious and disciplined individual who is not inclined to overindulge in any self-destructive habits that might have a negative impact on your financial obligations. You’re capable of resisting temptations and postponing or foregoing luxuries in order to stay within your budget.
• You don’t particularly enjoy the process of managing your finances and paying bills in general, not just because it means you have less money in your bank account, but also because maintaining the financial aspects of your life in an organized fashion is just not something that you consider to be your passion.
• You would rather be able to relax and enjoy the things in life that make you happy and give you a sense of purpose without having to worry about the mundane tasks involved in managing your personal finances anymore, but you would prefer not to burden a family member to take over the management of your finances for you, and you cannot afford to pay an attorney or an expensive accounting service.
• You’re not afraid of change and often recognize circumstances when there is a need for it, particularly when your current system of managing your affairs has become either cumbersome, impractical, antiquated, dysfunctional, inefficient, or simply not producing very desirable results.
• You subscribe to the philosophy that good things often come to those who wait, and you are amenable with “playing the long game” when it comes to experiencing the benefits of the changes that you will be making to the management of your finances after enrolling in the program. You understand that you may not fully realize the improvements that it has made to your financial situation for several months, if you should decide to proceed forward with enrolling.

                         Conversely, if any or all of the following statements apply to you, it could be a good indication that you would not be a good                           fit for the program, and that enrolling in the services offered by SDF would ultimately not work out for you in the long run:

• You might describe yourself as someone with an alpha male/female personality, and you prefer to do pretty much everything yourself, instead of relying on the help of others, whenever you find it to be possible. You often demonstrate a propensity for taking a control-freak-ish approach to life as a whole, especially when it comes to the management of your finances. It’s more important for you to always prove that you’re “right” than it is to actually be excellent at whatever it is you’re doing, especially in situations which involve the prospect of possibly accepting the assistance of someone who may have more experience (and a higher level of expertise) than you do.
• You enjoy carrying around a pocketful of cash and spending it randomly on things that you need and want and consider it to be a simpler way of managing your finances, even though you recognize that there are many disadvantages which are inherent to that sort of lifestyle. You fully accept those drawbacks because constantly having the spendable cash makes you feel like you’re more in control of your life, and you don’t realistically see yourself ever being able to change that habit (nor do you have any desire to do so).
• You have any unhealthy addictions, such as drugs, gambling, chain-smoking, compulsive shopping, or excessive alcohol consumption, which have negatively impacted your ability to make responsible or objective decisions with your personal finances and often placed you in an untenable position where you don’t have the money to cover your basic monthly obligations. Despite having experienced the pitfalls of these addictions, you still struggle to control them or prevent them from damaging your life.
• Your sole source of income is illegal, and you have every interest in hiding your money by continuing to practice a cash-only lifestyle and avoid reporting or paying taxes on it.
• You have a tendency to be extremely resistant towards change in general, even in situations where you might be capable of recognizing that there is a great deal of room for improvement in your habits and that the particular revisions being proposed to you by others would likely only result in changes for the better in your own life.

• You’re uneasy about the idea of allowing your direct deposit instructions to be modified on a regular basis and permitting your income to “travel through” a tempaccount at another bank before eventually arriving in your hubbaccount, and you are concerned that you won’t be able to resist the temptation to pull out cash, write checks, and make debit card transactions against your newly-disbursed funds, instead of allowing your Financial Advocate to assist you in successfully transitioning to a credit-based lifestyle.
• Patience is not your forte. You have a short attention span and often give up quickly when you’re not able to see immediate results on your actions as you had envisioned them.
• You like to keep your finances as uncomplicated as possible, and you’re not comfortable with the idea of having numerous credit cards with various banks, even if it means that you’re always obtaining the maximum amount of cash back on all of your purchases and regular expenses and someone else is reliably managing all of those accounts for you.
• You have an insurmountable problem with trusting someone that you don’t know with your sensitive information or with signing a contract and a Limited Power of Attorney agreement which gives another individual the latitude to perform certain specific financially-based functions on your behalf, even if those tasks are all completed with 100% transparency and you always have the ability to reverse any of the decisions that are made by your Financial Advocate with your best interests in mind.
• You have a major objection with sharing your introductory bank bonuses with SDF and feel as though you could probably just complete all of the eligibility requirements on the tempaccounts yourself and end up keeping the entire amount of the bonuses, instead of receiving just half of them. (This is how the service funds its operating costs.)
• You routinely live check-to-check with little or no savings, and your only interest in the program is the introductory bank bonuses but not the rest of what the service has to offer. You would rather continue managing your own money the way that you always have throughout your adult life without allowing the SDF Financial Advocate to help you manage your finances through the use of a hubbaccount or without even trying to experience the many benefits of transitioning to a credit-based lifestyle. 

         Please review the FAQ page thoroughly before taking the questionnaire if you think that you may be a compatible client to enroll in the service.