Financial Coaching Services

Stop wondering where your money goes. Start building a financial life you actually understand and a future you can count on.

Financial Clarity Starts Here

Work With Me

You’re earning good income. The bills are getting paid. But at the end of every month, you can’t explain where the money went and the tought of looking too closely feels more overwhelming than helpful. Maybe you’ve tried budgeting spreadsheets, planners, or apps, but they were tough to keep up with and made you feel guilty instead of informed. Maybe you met with a financial advisor once and walked away feeling like you weren’t ready for that conversation yet. Maybe the paperwork situation is a problem you’ve been carrying for years.

You need someone to help you understand your finances with a clear process, the right tools. You need a professional in your corner who has seen your exact situation before and isn’t the least bit phased by it.

That’s what financial coaching with me looks like.

Here’s what we work on together:

Assess your financial picture

Before we make a plan, we need to know what we’re working with. First, we go through your income, expenses, and cash flow to see exactly what’s left at the end of each month and what’s working against you.

Find the leaks

Subscriptions you forgot about. Cash sitting in a low-interest account that could be working harder. Spending in one category that’s crowding out everything else. We go through your numbers line by line and talk through realistic options for each one.

Implement a system to keep you in the loop

I’ll help you set up financial tools pull in your numbers automatically so you always have an accurate, real-time picture of your finances without the manual tracking that makes most systems fall apart.

Set goals and build the habits to reach them

Knowing your numbers is the beginning. Over 12 weeks, we meet twice a month to track your progress, build accountability, and refine your approach as life changes. We set real goals, like debt payoff, building savings, or preparing for retirement, and work toward them with a clear path.

Get your paperwork under control

For clients who need it, I can help you implement systems that gets your financial paperwork organized and keep it that way. This is an optional add-on, but for many women it’s the piece that makes everything else feel manageable.

Make the emotional shift from reactive to intentional

The practical steps matter. But the deeper work of financial coaching is becoming someone who engages with money instead of avoiding it. Moving from the woman who dreads opening her statements to the woman who actually looks forward to her money check-ins is what makes the results last.

Asking for help with your finances takes courage.

It means letting someone see the parts of your financial life you’ve been carrying alone. Here’s what you can expect when you work with me.

I understand where you're starting.

Most of the women I work with are smart, capable, and earning good money, but feel completely in the dark about their finances. That’s what happens when you’ve been juggling everything else and nobody has ever made this feel approachable. I’ve been there myself. I know what it takes to go from financial avoidance to financial confidence, and I know how to help you get there.

I'm here to help, not judge.

I won’t lecture you about your latte spending or make you feel behind or broken for being where you are. I’ve seen filing cabinets that haven’t been opened in years, subscriptions nobody can account for, and investment accounts that haven’t been touched since the day they were set up. None of it surprises me, and none of it disqualifies you. My job is to meet you where you are and help you move forward.

I bring CPA-level expertise to every session.

Financial coaching is an unregulated field. Anyone can call themselves a financial coach. As a licensed CPA and Certified Financial Education Instructor with nearly two decades of experience in tax and personal finance, I bring a level of technical knowledge to this work that most coaches can’t offer. I understand how the tax side of your financial picture connects to the budgeting side, how your retirement contributions affect your take-home pay, and how to ask the right questions to make sure nothing falls through the cracks.

“Janet is such an incredible resource. Keeping track of bills and knowing what’s where with our own finances can be stressful enough—but add in the responsibility of managing it all for a parent, while juggling work, kids, and life, and it can get overwhelming fast. Janet is truly excellent at what she does. She’s a CPA, smart with finances, and brings a calm, organized presence to what can feel like chaos. But beyond that, she’s just ridiculously kind and incredibly trustworthy. I have zero hesitation putting something this important in her hands, and I wholeheartedly recommend her to anyone and everyone.”

– BW –

Is This Right for You?

Financial coaching with me works best if you:

Have some financial resources to work with and are ready to make intentional decisions about them
Are open to meeting virtually
Are willing to use technology to track your finances
Want a real plan, not just motivation

This program is not designed for women in acute financial crisis. If that’s where you are right now, I’m happy to point you toward resources that may be a better fit.

Ready to stop wondering and start knowing?

The first step is a free Q&A call. No pressure, no commitment. Just a conversation to make sure we’re a good fit before we do anything else.