Services
What I do — and what I don't
I help normal people do money God's way. Here's what that looks like, the limits of my role, and how a coach fits alongside the other pros on your money team, so you know exactly what you're getting before we sit down together.
What I do
I help normal people do money God's way.
Personal finance is 20% head knowledge and 80% behavior. Most people already know what to do. The hard part is doing it. My job is to help you with the day-to-day decisions and habits that move you forward. You're the hero of the story. I help keep you on track and walk alongside you.
What I don't do
No sales pitch. No hidden agenda.
I want to be a trusted voice in your life, not someone trying to sell you something. That means being clear about where my lane ends.
I don't sell financial products. No investments, insurance, or annuities. Ever.
I don't earn commissions. I never make more because of what you buy.
I don't manage investments or tell you which stocks or funds to buy.
I don't prepare or file taxes. That's a job for a tax professional.
I don't write wills or trusts. Legal documents belong with an attorney.
I don't judge. Wherever you're starting from is exactly where we start.
Your money team
Financial Coach vs. Other Pros
Each of these professionals can be a real blessing. The key is knowing who to call for what.
| Financial Coach That's me |
Tax Pro | Wealth Advisor | |
|---|---|---|---|
| Main job | Your habits and decisions: budgeting, getting out of debt, setting goals, and giving | Prepare and file your taxes and keep you right with the IRS | Investments, retirement accounts, and often insurance |
| Call them when you're asking… | "How do I navigate money?" | "What do I owe, and what can I deduct?" | "How should I invest for retirement?" |
| Usually for | Anyone, especially if you're just starting out or feel stuck | Anyone who files taxes, especially business owners | People with money set aside and ready to invest |
| Licensing | Financial Coaching Certificate | Often a CPA or Enrolled Agent | Securities license required to give investment advice; many hold the CFP® credential |
| How they're usually paid | Fee-only coaching. No commissions, ever. | Hourly or per tax return | Commissions, a flat fee, or a percentage of your investments |
| When to start | Right now, at any income | Tax season for filing | Once you have margin to invest |
Every professional is different. These are general descriptions to help you know who to call, not a judgment on anyone's work.
So who do I need first?
Most people need a coach first.
An advisor can't invest money you don't have left at the end of the month. Coaching builds the margin. The other pros help you put that margin to work.
And when it's time for a tax pro, wealth advisor, attorney, real estate pro, or any other provider, I'll gladly point you to the people I trust.
"Plans fail for lack of counsel, but with many advisers they succeed."
Proverbs 15:22
Ready to take the first step?
You don't have to get it perfect. You just have to start.
Book a Coaching Session