Financial management is 80% behavior and 20% know-how.

As an Accredited Financial Counselor (AFC®) and NACCC-Certified Credit Counselor, my role is to guide and educate you on everyday financial decisions, while working alongside other professionals when specialized advice is needed.

I am not a licensed financial planner and I do not provide specific investment advice. My services focus on coaching and education around financial principles, budgeting, debt management, and general financial literacy.

While I aim to provide accurate and helpful information, I cannot guarantee the outcome of financial decisions made by clients. For personalized investment, tax, or legal recommendations, it’s important to consult with licensed professionals who can advise you based on your individual circumstances.

By engaging in financial counseling, you understand that my services are educational in nature and that decisions made based on our work together are ultimately your responsibility. I encourage clients to seek additional professional guidance when making significant financial decisions.