Sturgeon Bay financial counselor Gay Pustaver says the New Year is a great opportunity to examine what worked and what needs improvement for financial success. For those who do not know where to begin, financial counseling might be a good first step. Pustaver says setting up an appointment with Money Management Counselors is not about judging about what you may have done in the past.

Services start with a one-time fee that can be waived if you can prove financial hardship. You can listen to the entire Money Management Monday interview with Gay Pustaver online with this story.