Improve Financial Wellness
About Financial Counseling
Financial counseling for women and couples who want clarity and a plan that fits their life and values.
Why You Feel So Stuck with Money (and Why It’s Not Your Fault)
You’re smart. You’re trying. You want to do better with money. But every time you start, you feel more confused, frustrated, or overwhelmed.
Whether you’re:
—Trying to stay on top of bills
—Fighting with your spouse about spending
—Struggling to build savings or stick to a budget
…you’re not alone. And you’re not doing anything wrong.
The truth is, no one teaches us how to manage money in a way that fits our real life. It’s not just about numbers. It’s about emotions, priorities, communication, and mindset.
That’s where Financial Counseling comes in.
Create a plan that actually fits your life
Hi, I’m Kaitlin.
I’m an Accredited Financial Counselor® (AFC®) with a Master’s in Counseling and more than 10 years of experience in the financial planning world.
I specialize in helping women, newlyweds, and young couples who want to break free from financial stress, get organized with their money, and build a solid financial foundation—without fights or feeling restricted.
What’s an AFC?
I help real women and couples navigate real-life finances...
Working together we’ll combine practical cash flow systems with behavioral psychology and faith-based guidance so you can:
✔ Stop fighting and stressing about money
✔ Create spending plans that reflect your values
✔ Gain confidence in your financial goals & decisions
No shame. No spreadsheets of doom. Just personalized support and a plan that works.
Not sure where to start? This quick chat is the perfect first step—no pressure, just clarity.
100s of conversations with people like you worried about getting it all ‘right’
3 Ways to Get Started
Feeling overwhelmed by bills, spending, or not knowing where your money is going? You’re not alone—but you don’t have to stay stuck. This free guide gives you a simple, step-by-step plan to get organized, reduce stress, and take control of your finances. In just a few minutes, you’ll assess what’s holding you back, set a clear focus, and take action toward financial peace. Download your free guide now and start making progress today!
Struggling to keep up with bills, budgeting, and your financial goals? You’re not alone—but you don’t have to stay stuck. In this 90-Minute Financial Clarity Session, we’ll simplify your budget, organize your expenses, and create a personalized action plan that fits your life. No complicated spreadsheets. No restrictive budgets. Just clarity, confidence, and a stress-free plan to move forward.
Not Sure If This Is Right for You? Let’s Chat!
Taking control of your finances is a big step, and you should feel confident in your next move. If you’re unsure what is the right fit for you, let’s chat! Get your questions answered, talk through your situation, and figure out the best path forward—no pressure, just support. Schedule a free 15-minute call to see if we’re a good fit!
Does Managing Your Money Feel Overwhelming?
You’re not alone. If you’ve ever felt anxious about your finances—wondering where your money is going, feeling guilty about spending, or avoiding your bank account altogether—you’re in the right place. Money stress is real, and it affects your confidence, your relationships, and your overall peace of mind.
But here’s the good news: it doesn’t have to be this way.
The Mission
The goal of financial counseling is simple:
To help you Develop Effective Strategies & Communication as it relates to your life, your goals, and your money.
When you learn effective communication strategies to discuss financial matters openly and constructively, you’ll strengthen your relationship while building a strong financial foundation together.
What services are offered?
It’s Not About the Numbers…
Money isn’t just math—it’s deeply emotional and relational. The IMPROVE Framework helps you reset your money mindset, organize your finances, and build financial rhythms that reflect your goals, situation, and values.
We’ll work together to:
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Align your financial decisions with your values and faith
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Build simple cash flow systems that reduce stress
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Improve money communication in your relationship
How does financial counseling work?
Imagine…
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You and your spouse talk about money without fighting
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You know exactly what to focus on each month
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Your spending is aligned with your values and goals
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You feel peace when you check your bank account
This is what financial wellness looks like.
It’s possible—and it can happen faster than you think.
How does financial counseling work?
The Path to Success
With You Every Step of the Way
Identify Your Biggest Money Stressor
Gain clarity on what’s holding you back. Use the Mini Money Reset Guide or Book a Free 15-Min Intro Call to get started in minutes.
Follow a Simple Reset Plan
Use the Financial Planning Guide or Work Together to create a plan to meet your goals and build a strong financial foundation.
Align Your Financial Values
Implement your plan with confidence, support, tools, and check-ins to stay on track.
How does financial counseling help my relationship?
Have Questions? Let’s Connect!
Email [email protected] for questions or to see if a 1-1 Clarity Session is right for you.
FAQ
What is an AFC®?
An AFC®, or Accredited Financial Counselor, is a certified professional who provides personalized financial, counseling, education, and guidance. An AFC® helps individuals and couples understand their financial situation, set realistic goals, and develop effective strategies to achieve financial wellness.
Unlike financial advisors who might focus on investments, an AFC® specializes in helping clients manage their money day-to-day, including budgeting, cash-flow, debt management, and saving. The AFC® designation is awarded by the Association for Financial Counseling and Planning Education (AFCPE®), which ensures that professionals meet rigorous standards of education, experience, and ethical practice.
How does financial counseling work?
The financial counseling process begins with an initial consultation to understand your unique financial situation and goals. From there, we work together to create a personalized financial wellness implementation plan tailored to your unique values and needs.
We’ll focus on implementing a clear plan, open communication, and practical strategies, helping you align your financial goals and make informed, effective decisions. Whether it’s budgeting, debt management, or planning for the future, you’re supported each step of the way.
How can financial counseling help our relationship?
Financial counseling is about more than just managing money—it’s about building a stronger relationship. By working together to align your financial goals, you can reduce stress, improve communication, and create a shared vision for your future.
All services are designed to help you and your partner work through financial challenges, make informed decisions, and achieve lasting financial and emotional well-being.
Do we need to be in debt to seek financial counseling?
No, financial counseling is not just for those in debt. It’s for anyone looking to improve their financial situation, plan for the future, and achieve their financial goals.
Whether you’re already debt-free, working to pay off debt, or simply looking to build better financial habits, or achieve your big financial and life goals, financial counseling services can help you create a plan that works for your unique situation.
What should we bring to our first session?
To make the most of your first financial counseling session, it’s helpful to bring any relevant financial documents, such as income details, statements, previous year tax returns, current budgets, and a list of your financial goals.
This information will allow us to get a clear picture of your financial situation and help create a personalized plan that meets your needs. Don’t worry if you’re not sure what to bring—you’ll be guided through the process step by step.
How do we get started with financial counseling?
Getting started with financial counseling is easy! Simply schedule your initial consultation. If you don’t see a time that works for you or have any further questions you’d like answered before scheduling, you can email [email protected] for more information. We’ll answer your questions and discuss your financial situation, goals, and how we can work together to achieve them.
You can also download our free financial health checklist and guide to begin your journey toward financial wellness. Get all the support you need to take control of your finances and build a strong financial foundation for your future.
How do I recieve my program?
Digital program content will be sent via email. You will receive an email with your program materials after you have successfully purchased your program of choice. If you purchased a program that includes a one-on-one session aspect, a scheduling link will be included as well in the email. For questions or concerns, please email [email protected].
How do I know if the program I choose is a good fit?
If you’re not sure which program (if any) is right for you, please reach out for a free consultation to get more clarification on any questions you may have. After reviewing your needs and communication style, you will receive a personalized recommendation. Email [email protected] to discuss.
What services do you offer?
You can choose from a range of services designed to help you achieve financial harmony. Services include
- Comprehensive financial wellness planning
- Premarital financial & Newlywed counseling
- Personalized budgeting assistance
- Debt management strategies
Whether you’re just starting your financial journey together or looking to improve your current financial situation so that you can reach your goals, we’re here to guide you every step of the way.
Who are IMPROVE programs ideal for?
Financial counseling is beneficial for anyone looking to improve their financial health and acheive their goals.
Services are ideal for:
- Women in their 20s and 30s looking to build a strong financial foundation
- Newlyweds who want to create a plan for their future and combining their finances
- Engaged couples who want to get on the same page with their partner about money and avoid money fights before they start
If you’re ready to build a strong financial foundation, reduce stress, and achieve your goals, financial counseling services are likely right for you.
What makes the IMPROVE approach different from other financial counselors?
When you work with Improve Financial Wellness, you’ll be supported with a unique blend of financial expertise and behavioral counseling to bring a ‘not just numbers’ approach to financial health and wellness.
When we work together, we won’t just look at the ‘what’ (the number) but the ‘why’ (the mindset & behavior) aspects as well. You’ll navigate the financial aspects of their relationship while also building communication skills and self-awareness along the way.
What is a financial health checklist and guide?
Our financial health checklist and guide is a comprehensive resource designed to help couples get on the same page financially. It includes practical tips, planning templates, and strategies for budgeting, saving, and managing debt. Whether you’re just starting out or looking to improve your financial situation, this guide is a valuable tool for achieving your financial goals together. Download it for free to get started on your journey to financial wellness.
How long does financial counseling take?
The duration of financial counseling depends on your individual needs, preferences, and goals. Some couples may benefit from just a few sessions (as few as 1 free initial consultation and 1 financial audit session) to get on track, while others might prefer ongoing support.
Some examples of ongoing support could look like
- Weekly or bi-weekly pay-check processing or check-ins
- Monthly premarital or newlywed financial counseling
- Annual or bi-annual financial wellness audits
During our initial consultation, we’ll discuss your specific situation and create a timeline that works for you. Our goal is to provide the guidance and support you need to achieve long-term financial success.
Is financial counseling confidential?
Absolutely, financial counseling is completely confidential. Your financial information and personal details are treated with the utmost respect and privacy. The sensitive nature of financial discussions requires extra care and know that you will never be required to provide any information you don’t feel comfortable sharing.
You can trust that everything shared during our sessions will remain confidential. The priority is to create a safe and supportive environment where you can openly discuss your financial concerns and goals.
What is a money personality, and how does it affect our finances?
Your money personality reflects your financial habits, attitudes, and behaviors. Understanding your money personality—and your partner’s—can help you navigate financial decisions and work together more effectively.
Counseling services can include exploring your money personality, identifying strengths and weaknesses, and developing strategies to balance your financial approach. Take the quiz to discover your money personality and learn how it can impact your financial success!
Can I get a refund?
If you are not happy with any digital products, you may receive a full refund within 30 days of purchase. Refunds, however, exclude one-on-one session fees.