Financial Coaching · Director of Heart2Help
Independent, CUNA-certified financial coaching in Port St. Lucie, Florida — homebuyer readiness, budgeting, credit, debt, and savings — built around the life you actually have. No judgment, no products, no lectures.Serving the Treasure Coast in person, and households across Florida virtually. Also Director of Heart2Help.
Port St. Lucie, FL · Treasure Coast · Florida virtual
The approach
Coaching is not about products, hot takes, or motivation. It is about giving you a framework that makes good decisions easier and surprising decisions rare.
I.
Before strategy, clarity. We start by mapping the full picture — accounts, obligations, intentions — so the work that follows is built on something real, not assumed.
II.
Systems outlast willpower. We design the framework — cash flow, savings architecture, decision rules — so that good outcomes happen by default, not by daily effort.
III.
Most financial anxiety is a question without an answer. When the structure is in place, the decisions get smaller and the next steps get obvious.
How it works
Engagements move at the pace your life allows — a one-time budget for someone wanting clarity, a single session for a specific question, or a three-session package for people who want real structure. Same approach across all of it: practical, personal, judgment-free.
Tell me about you
Submit a short intake about your goals and where you are financially. A few sentences is enough — it tells me what to prepare so the first session isn't wasted on catch-up.
Pick what fits
You pick the option that fits — a one-time budget build, a single session, or the three-session reset package. Sessions are self-scheduled: you choose your own date and time, plus whether to meet virtually or in person, right when you book. No scheduling back-and-forth.
Virtual or in person
Meet virtually or in person for practical, personalized coaching — budgeting, debt, savings, credit, organization, whatever you came to work on. Judgment-free, plain-language, useful.
Between sessions
After the session, you can reach me by email or quick phone call as questions come up — that's included. If you booked the reset package, we keep meeting on a rhythm. If you booked a one-off, you're welcome back any time.
Services
Each pillar can stand alone, but they’re designed to work together. Most clients begin with one and let the others find their place over time, until the picture is whole and the next step feels obvious.
Plans that fit real life
We look at your income, expenses, and spending patterns and design a monthly framework you'll actually use — not a spreadsheet you'll abandon by the third week.
Emergency fund first, then a clear path out
We build the reserves that buy you back time and peace of mind, then design a payoff strategy that matches your psychology and your timeline.
Raise your score, step by step
Understand what your report is actually telling lenders, fix what's hurting your score, and build the habits that make a mortgage approval feel inevitable.
Get mortgage-ready, on your own timeline
Down payment savings, debt-to-income coaching, credit posture for a mortgage — the financial groundwork that gets you ready to buy with confidence, whenever that day comes.
Pricing
Simple, clear, no hidden fees. Every package is built to deliver real value — whether you start with a one-time budget build, a single session, or the three-session reset, you’ll get focused, practical support that meets you where you are.
Flat · one-time
$65
A personalized monthly budget and spending plan, built around your real life and delivered digitally. No meeting required.
Per session
$99
A focused, 1-on-1 session to work through what you're stuck on. Practical, judgment-free, with follow-up support included.
Three sessions · best value
$249
Three coaching sessions plus a personalized budget setup. Built for people who want real structure and progress through consistent meetings over time.
Every engagement starts with a short intake so I know what to prepare. No upsells, no pressure to add sessions you don’t need — and you’re welcome to mix and match as your needs change.
Questions
If your question isn’t here, ask it directly in the form below — we read each one.
No. This is a financial coaching practice. I help you build clarity, structure, and decision-making frameworks for your money — budgeting, credit, savings, and debt strategy. I don't give investment advice, sell financial products, or earn commissions on them. I also don't do tax preparation or legal work — when you need those, I'll point you to someone who's licensed to do them properly.
Start here
Send a short intake about your goals and where you are financially. I’ll reply within a business day to set up the session that fits — or just answer your question if that’s really all you need. No pressure, no pitch, no judgment.
What to expect
Bible verse of the week
“Trust in the LORD with all your heart, and lean not on your own understanding.”