Financial therapy explores the connection between your financial life and your thoughts, emotions, experiences, relationships, and behaviors around money.

It can help you understand not only what is happening with your money, but some of the reasons why it may keep happening.

For example, we might explore where certain beliefs about money came from, what tends to happen before an unplanned purchase, why saving feels difficult even when money is available, or how money affects communication in a relationship.

Understanding those connections can give you more choices about what happens next.

Financial therapy and financial coaching can work together, but they serve different purposes.

Financial therapy gives us room to explore the thoughts, emotions, experiences, relationships, and patterns influencing your financial life.

Financial coaching helps turn what you are learning into practical action. We may work on spending, debt, cash flow, savings, financial organization, or preparing for a financial decision or transition.

In my work, we do not have to choose one approach and stay there. We can use financial therapy, coaching, education, or a combination depending on what you need.

A financial therapist works with the behavioral, emotional, relational, and practical sides of money.

I do not manage investments, sell investments or insurance, or receive commissions for recommending financial products. If you need individualized investment, tax, legal, or another type of specialized advice, I will encourage you to work with an appropriately qualified professional.

No.

In fact, you may know quite a bit about money and still find that certain financial behaviors are difficult to change.

You can know how to make a budget and still overspend. You can understand how credit cards work and still reach for one when money gets tight. You can want to save and still struggle to leave that money untouched.

Financial knowledge matters, but knowing what to do and actually living it can be two very different things.

Yes. We can work on the practical side of budgeting and spending while also getting curious about what may be influencing the behavior.

Instead of treating a budget that did not work as a failure, we can look at what happened. Was the plan unrealistic? Is spending happening at particular times or in response to certain situations? Is there a gap between what you think you should spend and what actually matters to you?

Then we use what we learn to adjust the plan.

When something does not work, we do not call it failure. We get curious about why it did not work, adjust the plan, and keep going.

Yes. Debt and credit are among the financial areas we can work on together.

We can develop practical strategies for managing debt and credit while also looking at the circumstances, habits, or behaviors that may be contributing to the cycle.

You do not need to clean up your finances before we meet, and you will not hear me tell you that you “should have known better.”

Curiosity, not judgment.

We will look at what is happening now, what you have tried, what has and has not worked, and what you would like to be different. The purpose is not to grade your past financial decisions. It is to understand your financial life well enough to help you make intentional changes going forward.

No. You do not need to create a budget, organize all your financial documents, calculate every debt, or have everything figured out before we talk.

Your first complimentary consultation is a conversation. We will start with what is bringing you here, what is happening now, what you would like to change, and where you feel you could use support.

Yes. I have spent more than two decades working with military members and families, and I am also a former military spouse.

I understand many of the financial realities surrounding military life, including deployments, PCS moves, changes in housing, separation from family, transitions between military and civilian employment, and military benefits and systems.

You do not have to be military-affiliated to work with me. But if you are, you will not have to spend half the session explaining military life before we can talk about your money.

Restorative Financial Therapy is a 100% virtual practice, and sessions are held via Zoom.

That means we can work together without needing to be in the same location.

The complimentary 30-minute consultation gives us a chance to talk about what is happening in your financial life, what you would like to change, and what you have already tried.

I will answer questions about how I work, and we will talk about whether financial therapy and coaching may be a good fit.

You do not need to know whether you need financial therapy, coaching, education, or some combination before we meet. That is something we can figure out together.

Schedule a Complimentary 30-Minute Consultation

You do not need to decide that on your own.

You may need information. You may need a practical plan and accountability. Or you may have tried those things and realize there is something deeper you would like to understand about your relationship with money.

We will start with where you are and determine together what kind of support would be most useful.

The initial 30-minute consultation is complimentary. If we decide continued work together may be helpful, I will explain the options I believe fit what you are looking for, including the cost, before you make any commitment.

Yes. I work with individuals, couples, and families. Whenever possible, I encourage the people involved in financial decisions to participate. Working together can help everyone better understand different money beliefs, expectations, and priorities. However, everyone doesn’t have to participate for meaningful progress to happen. If you’re the only person ready to begin, we can start there.

No. My work focuses on the relationship between financial behaviors, emotions, experiences, and practical money decisions. Although we may explore the emotional and behavioral patterns influencing your financial life, I do not provide mental health diagnosis or treatment. If concerns arise that would benefit from the support of a licensed mental health professional, I may recommend working with one alongside our financial work.