Understanding the why. Working on the how.
You may need practical financial information and a plan. You may know what to do but have trouble putting it into practice. Or the same financial patterns may keep showing up no matter how many budgets, apps, or systems you try.
Financial therapy and coaching allow us to work with all of it: the numbers, the behaviors, and the experiences and emotions that can influence your financial decisions.
What We Can Work On
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Financial Stress & Overwhelm
When money feels difficult to think about, talk about, or even look at.
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Spending & Financial Habits
Understanding spending patterns, triggers, and the gap between intentions and what happens in real life.
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Budgeting & Cash Flow
Creating a way to manage money that works with your life rather than requiring perfection.
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Debt & Credit
Developing practical strategies while also understanding the circumstances and behaviors that may be keeping the cycle going.
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Life & Financial Transitions
Navigating changes in income, relationships, employment, retirement, caregiving, loss, or other major life changes that affect your financial life.
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Money & Relationships
Exploring differences in money beliefs, communication, expectations, and financial decision-making.
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Military & Veteran Financial Wellness
Support informed by more than two decades of experience working with military members, veterans, and military families.
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Retirement & Financial Decisions
Helping you organize your thinking, understand your options, and prepare for financial decisions without selling financial products or investments.
What Is Financial Therapy?
Sometimes the most useful financial question isn't “What should I do?” It's “Why does this keep happening?”
Financial therapy looks at the connection between your financial life and your thoughts, emotions, experiences, relationships, and behaviors around money.
That might mean exploring where your beliefs about money came from, noticing what tends to happen before an unplanned purchase, understanding why saving feels difficult even when there's money available, or looking at how money affects communication in a relationship.
The goal isn't to analyze every purchase or blame the past. It's to better understand what's influencing your financial decisions today, so you have more choices about what happens next.
Financial Coaching
Understanding is important. So is what you do next.
Financial coaching brings the practical side into the work. Depending on what you need, we might work on spending, debt, cash flow, savings, financial organization, preparing for a major decision, or creating a plan for a financial transition.
But I'm not going to hand you a complicated system and expect you to make your life fit into it.
We'll build strategies around your actual circumstances, priorities, and goals. And when something doesn't work, we don't call it failure.
We get curious about why it didn't work, adjust the plan, and keep going.
How We Work Together
This isn't about getting an “A” in money.
We start with what's happening in your life now. We'll talk about what you want to change, what you've already tried, what's worked, what hasn't, and what feels most important to address first.
From there, our work may include financial education, practical planning, financial coaching, financial therapy or a combination of them all. As things change, our work can change too.
The goal isn't perfection. It's helping you develop the understanding, skills, strategies, and confidence to navigate your financial life long after our work together ends.
A Special Understanding of Military Life
Military finances don't happen separately from military life. Deployments, PCS moves, changes in housing, separation from family, transitions between military and civilian employment, and the unique benefits and systems available to service members can all affect financial decisions.
I've spent more than two decades working with military members and families, and as a former military spouse, I also understand many of the realities of military life from personal experience.
You don't need to be military-affiliated to work with me. But if you are, you won't have to spend half the session explaining military life before we can talk about your money.
Clear About My Role
I provide financial therapy, coaching, counseling, and education. I don't manage investments, sell financial products or insurance, or receive commissions for recommending financial products.
When a question falls outside my role or requires another professional, such as individualized investment, tax, legal, or other specialized advice, I'll encourage you to work with an appropriately qualified professional.
Not sure whether you need financial therapy or coaching?
You don't need to decide before we meet. That's part of what the complimentary consultation is for.
Tell me what's happening, what you'd like to change, and what you've already tried. We'll talk about what kind of support may make sense.