Financial Coaching Process

In our initial discovery session, we will talk about your story and your financial journey so far.

I want to get to know you—your background, your money habits, how you got to where you are today, what you'd like to change, and most importantly, why you want to make those changes.

Everyone's path is unique, and this is my chance to understand yours.

Once I have a clear picture, I can start finding the best ways to help you move toward financial freedom.

Next, we will take a closer look at where your finances stand today—the good, the bad, and everything in between.

We’ll go over key details of your financial situation, including your income, expenses, debts, savings, assets, investments, and insurance. 

Don’t worry if you don’t have all the answers right away—many people don’t. It often takes a bit of digging to get a full picture of your financial situation, and that’s completely normal.

Once we understand where things stand, we’ll work together to set both short-term and long-term financial goals in order to build your financial roadmap.

From there, we’ll create a realistic budget—or as I prefer to call it, a spending plan—that fits your lifestyle and helps you reach those goals. This isn’t about cutting out everything you enjoy - it's about giving you a clear, flexible plan to guide your spending and build the future you want.

We will also explore ways to make meaningful improvements, like cutting unnecessary expenses, adjusting your tax withholdings to increase your take-home pay, and making sure you have emergency savings and the right insurance in place to handle life’s surprises.

If you are working as a couple, we will ensure both partners feel heard and are working together toward shared goals. These conversations can be tough, but they are a powerful step toward building a better financial future—together.

This is the stage where we turn your financial goals into real, achievable results.

We’ll start putting your plan into action, building strong money habits, and tracking your progress along the way. As your life or priorities shift, we’ll make adjustments to keep you moving toward your goals.

You’ll likely see some quick wins early on—small successes that build momentum. Bigger goals may take more time, but that's okay - financial freedom is a long-term journey, not a quick fix.

I’ll be here to support you every step of the way with ideas, guidance, and encouragement. As you reach your milestones and your wins add up, your confidence will grow—and you’ll see that achieving your financial goals is possible.

Once your Financial Roadmap is in place and you're successfully working your plan, we may not need to meet as often.

But regular check-ins are still important. These sessions help make sure you’re staying on track, adjusting for any changes, and handling the unexpected things that life can throw your way.

We will celebrate your progress, reflect on what could be improved, and tackle anything standing in your way. Step by step, we’ll keep moving forward—together.

This is also when long-term commitment really matters. I will work to keep you motivated and focused on your ultimate goal: lasting financial freedom.

In the end, the goal is simple: to help you find financial freedom and peace.

That means less stress about money, no more living paycheck to paycheck, and the confidence that comes from being in control of your finances. For some, this peace may come quickly. For others, it might take more time.

You may reach it while we’re still working together, or it may come later as you continue using the tools, knowledge, and confidence you’ve built. Either way, the goal stays the same: a future where money no longer holds you back, but supports the life you want to live.