What is the first step a client should take once they are ready to move forward in the decision-making process?

The first step a client should take once they are ready to move forward in the decision-making process is acknowledging the existence of a problem. Recognizing that there is an issue that needs to be addressed is fundamental to effective decision-making. This step lays the groundwork for all subsequent actions, as it prompts the client to think critically about their situation and encourages them to seek solutions.

Acknowledging the problem is vital because it allows the client to clearly define what needs to change or improve in their financial situation. Without this awareness, the decision-making process cannot effectively begin. The other options represent later stages in the decision-making process, such as exploring solutions or assessing alternatives. These actions cannot take place without first recognizing that there is a problem to be resolved, which serves as the catalyst for initiating the entire process.