So how does it all work?


Initial consultation

During our initial consultation, which can be either face to face or online, I will discuss the Spending Planner program in more detail. This consultation is absolutely FREE and is simply a time where we get to know each other and decide whether we might be a good fit.

At the end of this consultation, which generally takes about an hour, when I have determined that I can help you, we will discuss a program that is suitable for you and your financial journey.


the programs

I offer a range of programs designed to teach you financial literacy, money management, how to move forward in your financial journey, and financial health & wellness.

Depending on where you are at in your financial journey, I will have a program to suit your needs.

Please go to my Programs page to see what is available and then you can decide which one is the best fit for you.


Become so financially secure that you forget that it’s payday.
— Team Heart