Financial counseling with heart.
I provide financial counseling to individuals, couples, and families in a brave space for reflection and straight-up action planning. Dealing with money can be full of emotion, self-doubt, and baggage, which can all hold us back from reaching our full financial potential. So, let me help you live your best financial life!
“I like how you approach us in a gentle manner since money’s a sensitive topic for me and my husband. I appreciate the different route we can take but at the same time, you are supportive of whatever choice we decide to make”
– Kristine, Current Client
Areas of Focus
Budgeting is the bedrock of sound financial literacy. When you can master this skill, it will open so many doors for other aspects in your financial life. We will work together to develop a budget that considers your needs and your wants because let’s face it – what fun is a budget if nothing fun is in it?
Credit and Debt
Credit – you either hate it or love it. And debt – sometimes, you can’t live without it. We will explore how you can use both to help build your wealth rather than keep you from it. Just keep in mind that if one of your goals is to improve your credit or pay down debt, slow and steady wins the race.
Investing isn’t one-size-fits all, plus there are so many options out there. We’ll explore together what those are and how you can find a portfolio that works for you and your risk tolerance, whether it’s low or high.
Joanne’s Money Thought$
- Big Goals are Never Too BigMy husband and I have started planning to grow our family, and the biggest ticket item I’m worried about is our children’s college educations. In 2020, it costs ~$13,000 per year – just in tuition – to attend my alma mater UCLA. So that’s $52,000 per child for a four-year period in 2020 dollars, whichContinue reading “Big Goals are Never Too Big”
- How to Budget as A CoupleThere are two main ways that I see couples work with their money: joint everything, or some joint accounts and individual accounts. No way is the right way, so it’s entirely up to the couple how they want to do this. Either way, how do you pull off a budget as a couple? No matterContinue reading “How to Budget as A Couple”
- How to Rollover an Old Retirement Account to an IRAI switched jobs a lot in my early professional years. If I no longer enjoyed the job, whether the work itself or the environment changed for the worse, my wandering eye looked elsewhere. A natural consequence to switching jobs a lot was having plenty of opportunities to rollover an old retirement account into an IRAContinue reading “How to Rollover an Old Retirement Account to an IRA”
Ready to go on your Financial Healing journey?
Joanne is an Accredited Financial Counselor® and Financial Social Work® Candidate. She will change the world one budget at a time.