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Financial Life Planning Services

Let’s use your finances to lift you up — not weigh you down.

Work with me one-on-one and feel great about your money. No more overwhelm, confusion and doubt! 

You’ll feel confident knowing what to focus on — and what you can safely ignore (at least for right now). And I'll be there to provide a bit of inspiration, motivation and hope when you hit a few bumps in the road (it happens to all of us!)

I offer both a focused, one-time Quick Start Intensive and a more in-depth Holistic planning package.

No matter which package you choose, I'll help you navigate everything swirling around your money life, including:

  • Create an investing strategy you understand — and feel good about
  • Plan for that dream home, sabbatical or new business — and know it won’t tank your finances
  • Build a bookkeeping process that works — and finally understand your P&L
  • Feel good about what you’re earning — and stop overworking
  • Understand taxes so you’re prepared — and don’t overpay
  • Spend without guilt — knowing you’re saving enough
  • Manage your student loan debt — and implement a plan to get rid of it
  • Demystify retirement plans and know you’ve got the right one for you
  • Select the right insurance plans for you - without being sold a bunch of overpriced garbage
  • Finally understand estate planning and implement the right approach for your loved ones

Holistic Planning 🧘

Holistic planning is deep work around your money and your life.

Holistic is a great fit if you want ongoing support, deeper learning, customized analytics and a thinking partner to help set you up for long-term financial success.

The longer-term nature of Holistic allows us to best manage overwhelm - staying focused on one financial task at a time. And I'll be there to support you along the way! You'll have a financial professional in your corner when you need one most.

👉 Click here to learn more about Holistic Planning!

Quick Start Intensive 🚀

Think of the Quick Start as like a consultation or supervision session. 

The Quick Start is great if you're short on time or money, and need an overall plan that will allow you to focus on what's truly most important. No more anxiety that you're overlooking something important! You'll move forward with confidence, knowing what to do (and how to do it).

The Quick Start is also ideal to perform a deep dive on one particular area, like understanding Retirement Plans or formulating the right investment approach for you.

👉 Click here to learn more about the Quick Start!

What I Help With

You might find that the financial challenges you face evolve over the course of your career. For that reason, I've organized the challenges I help clients overcome into four career stages. If any of these resonate with you, my services might be a good fit!

An exhaustive overview of the challenges I help clients address is found on the Financial Planning Focus Areas page.

Click on the Headings Below for Detailed Descriptions

+ Struggling with Student Loan Balances 🎓

So Much Debt...

Most therapists end up with student loans. Having over $100,000 in loans isn't the exception - it's the rule. So, relax - you're in good company. 

And student loans typically take 10+ years to pay off (emphasis on the plus). You may look at your student loan balance with some sense of trepidation. And I get it... it's not fun.

The good news is that whether you're in private practice or working for an agency, there are good strategies to ease the burden of student loan repayment. You won't be saddled with this debt forever. You may even be able to have some of the balance forgiven (and not just if you're working in public service).

You've Gotten Poor Advice

You may have been told to go into forbearance. Or perhaps you've been told to simply hunker down and pay your loans off as quickly as possible. If these are the only two recommendations you've heard, the advice you've received incomplete (at best).

Traditional debt management strategies are often poor tools to manage student loan debt. Student loans are unique and require knowledge of the special set of tools available to manage them. There are many different Income Driven Repayment options and associated forgiveness policies. But they are complex and must be carefully considered within the context of your overall financial circumstances. 

I've completed extensive continuing education to learn all the nuances of federal student loan debt. And I offer a student loan project to help you determine the best course of action. Effectively managing student loan debt is also part of the ongoing financial life planning service.

+ Launching Your Private Practice 🚀

Are you newly licensed, about to become licensed or have you recently started your own private practice? If so, congrats! 🎉

This is an exciting time, and also one where the financial decisions come at your fast and furious.

So Many Questions...

Getting your practice off the ground raises a myriad of issues. How many sessions do you want to hold in an average week? What is the right session rate and pricing policies? What's the best way to perform bookkeeping? Would you benefit from establishing an LLC or Professional Corporation? How do you plan for self-employment taxes? What does a reasonable budget for your practice look like? How do you set up your internal processes to be both efficient and HIPAA compliant?

As your practice fills, you may find yourself making more money than you have in years - or maybe ever! As you move toward that, you want to make sure you're handling your financial abundance in the right way. You might wonder if you're managing your finances as intentionally and thoughtfully as you'd like. And if you're setting yourself up for long-term financial success. You may be wondering how much to save, how to invest, and what type of retirement plan you could establish. How should you balance savings versus paying off debt? And oh yah, that student loan debt...

Life is Happening!

And guess what? Outside of your private practice, life continues to happen! You might be considering big life changes with financial implications: marriage, having children, buying a house, or even "simply" buying a car. Do you need life insurance, disability insurance or some other form of business insurance you've never even heard of?!

Helping you answer these questions in a way that fits your life  is what I love to do.

+ Established Private Practice Owner 😌

Once your private practice has been successfully up and running for a few years, you've gotten over that initial hurdle of wondering if this crazy dream of yours is going to work. And now you might be wondering how to manage your financial world intentionally and set yourself up for long-term success.

Reflecting on Your Practice

Within your practice, you might be wondering how to make sure things are operating as efficiently and profitably as possible. You might have clients at several different rates. You may wonder what to do about that and how to navigate rate increases. You might also be wondering how you can better minimize the taxes you're paying. Or you might be considering establishing a retirement plan. Do you wonder if you should establish an LLC or Professional Corporation? Or if you should draft a professional will?

Maybe it's also time to evaluate your workload and explore any sense of burnout. Are you seeing too many clients in an average week? Too few? Do you want to expand beyond traditional therapy, and what would the financial implications of that be. Perhaps you'd like to hire other clinicians to work in your practice, or supervise pre-licensed therapists.

And Oh By the Way You Have a Personal Life...

In your personal life, you may also be wondering if you're saving enough and investing appropriately for your goals, including retirement. Should you manage your student loans differently now that you're more established in your career? What could you do to prepare for the arrival of a child, or plan for your children's educational expenses.

Perhaps you're wondering how to best plan for a home purchase. Or considering refinancing your existing mortgage and wondering if now is a good time. Perhaps you have some credit card debt that's weighing on you.

Do you need life insurance, disability insurance or some other form of business insurance you've never even heard of?!

You might even have received an inheritance which you wonder how you should best manage.

Helping clients answer these questions is literally what can get me so excited I sometimes have trouble sleeping.

+ Considering Steps Beyond Private Practice 🤔

Evolving Professional Life

If you're an established clinician, you might be considering next steps beyond private practice. Perhaps you're wondering what retirement looks like, and if you're financially prepared to begin stepping away from earning money. Or perhaps you'd like to share your professional gifts in a different way. Maybe coaching, creating coursework, writing a book, or becoming a speaker are calling to you. You might even be considering selling your practice. And understanding the financial implication of any (or many!) of these options is complex.

Evolving Personal Life

You want to make sure you're handling finances thoughtfully and with intention. You want to make sure you continue to set yourself and your family up for long-term financial stability. Are your saving and investing plans the right ones for you? You may be wondering how to finally rid your self of any student loan debt.

As you contemplate moving beyond private practice, the services I offer can help you navigate your life with greater ease and confidence.

Overwhelmed & Not Sure Where to Begin? 😲