Personal Customized Financial Counseling

A habitude is a tendency or a way of behaving.  All of us have a personal psychology of money.  Together with a counselor we can play this fascinating game to generate conversations about your habits and attitudes concerning money.  This helps get practical suggestions for changing financial behaviors. This can be used it to identify triggers and provide strategies to help stay on track. The statements spark insightful conversations. The results help couples see how they balance each other in areas they may previously only experienced as conflict. 

Financial decisions are foundational to consumption and thus to understanding consumer behavior. The psychology of financial consumer behavior examines how individuals think and make decisions related to money.   Our counselors can work with you to understand your consumer psychology which is essential for developing a deep understanding of how consumers make financial decisions as well as for creating solutions to improve this process. 

83% of all Americans overspend while only 32% build a monthly budget.  We can help you overcome budgeting myths, roadblocks, and build a plan that works for you. Budgets can be custom built to your lifestyle and planned to work with any system you need.  Our counselors provide budget planning an act as accountability means as needed. Let us help take the stress from your budget. 

Let us teach you tricks, tips and life skills that go beyond a plan and enhance your everyday use or money.   

Money management is all the ways you handle your finances through budgeting, spending, saving, investing, using credit and paying off debt. We can teach you how to be intentional, informed and strategic in ways, that can help set you up for a bright financial future.

From buying a house, to a car to establishing an idea of your future of your family's future let us connect you with knowledge, skills and understanding on how to fight the asymmetrical information battle that exists when buying large items.  Through desk side instruction, scenario-based exercises and mock shopping we can help you get the best deal for your lifestyle.  

 Financial planning is essential to achieving long-term and short-term financial goals, while also preparing you for potential future risks and obligations. No two financial plans are the same. Your plan should accurately reflect your own financial needs, goals, and best course of action.  Let us develop a plan and coordinate contact with resources that can help you maximize your long-term financial health. 

  Financial Goals are the personal, big-picture objectives you set for how you’ll save and spend money. They can be things you hope to achieve in the short term or further down the road. Either way, it’s often easier to reach your goals if you identify them in advance. Let us help you research, develop and plan action for each goal. We can customize goals and subgoals to match your current situation. 

Insurance is complex and can be confusing.  What kind of insurance do you need?  Are you covered in a way that helps?  Are you paying for insurance you don't need.  Let us teach you about insurance products, review your current policies and help you understand if any gaps exist. 

Everyone has spending leaks and triggers that cause us to overspend or spend in ways that lead to an emotional reaction. Through conversations, data pulls and other means we can help identify things and ways that cue you to spend money.  How are your marketed to as a consumer?  We can help identify these gaps in understanding. 

A budget is a way to place your money into categories. A spending plan is actionable and the next step.  A spending plan is a type of budget that combines with your financial goals to plan out your spending. Spending plans are future focused. 

Emotions connected to money are strong and tend to be negative.  Let us work with you to resolve some issues that have come from financial trauma. We will challenge your mental money narrative. We help develop your own money language. and develop a mindfulness that will help you overcome money anxiety. 

We can teach in person or virtually to ages from K-adult on topics that range across all financial topics.  Let us develop a home school financial syllabus for your students or teach and mentor your group. We can work 1:1 up to groups of 40. Classes can be customized to a topic or a term-based program.