Financial Coaching
Helping individuals and families create a financial plan, eliminate financial stress, and build lasting wealth through intentional decisions.
Personalized financial coaching focused on your goals, your values, and your future.
No pressure. No judgement. No BS.
Americans are drowning in debt
Total U.S. household debt has reached about $18.8 trillion.
“Americans are carrying nearly $19 trillion in household debt. The problem isn’t just earning more — it’s knowing how to manage what you already have.”
A $400 emergency can break millions of Americans
Only 63% of adults say they could cover a $400 emergency expense using cash or its equivalent.
“For millions of Americans, a $400 emergency isn’t an inconvenience — it’s a financial crisis.”
Lifestyle & spending
The average American household spends thousands of dollars per year on expenses they often don’t track closely.
Many people know their income, but not their true monthly spending number — one of the biggest problems a spending audit solves.
“You can’t fix what you don’t measure.”
Most Americans are not financially free
The Federal Reserve found that while 73% of adults reported they were doing okay financially or living comfortably, 27% were either just getting by or struggling financially.
“Millions of Americans aren’t failing — they’re simply operating without a plan.”
Credit card debt is at record levels
U.S. credit card balances have climbed to roughly $1.2+ trillion, an all-time high.
“Credit cards were designed as a tool. For millions of Americans, they have become a source of financial stress.”
Nearly half of Americans don’t have a 3-month safety net
Only 55% of adults report having enough emergency savings to cover three months of expenses.
“A financial emergency shouldn’t become a financial disaster — yet millions of households lack a basic safety net.”
Financial literacy problem
A huge percentage of Americans graduate high school without ever learning:
How taxes work
How credit scores work
How to budget
How investing actually works
How to eliminate debt strategically
“Most people were taught how to make money — but not how to manage it.”
Living paycheck to paycheck?
Make significant income, but never get to enjoy any of it?
Overwhelmed with credit card debt?
Do you find yourself heavily reliant on credit cards every month?
Have a spending problem, or are you unable to budget your money efficiently?
Are you falling behind on bills, or do you fear you will soon?
Seem to continuously fall back into the same bad financial habits?
Make significant income, but never get to enjoy any of it?
Do you have financial goals & life goals but can never seem to reach them?
If an “emergency” arose, would you have the funds to cover it? (not on credit cards)
Is this for me?
Do you feel as if you can become financially free, but maybe you just need a little push?
Looking to buy a house but not sure where to start or how much you need to save?
If you said ‘yes’ to any of those questions, we can help. Intentional Wealth is not a “one-size-fits-all” plan. We are a boutique Financial Coaching company that tailors our strategic plans based on what we gather from our initial free consultation.
We have excelled in getting thousands of people out of unsecured credit card debt/ personal loan debt, creating structurally sound budgets, helping regain financial stability, achieving financial savings goals, & spreading as much Financial Knowledge to as many people as humanly possible. Finances can be a frightening topic & most of the time, people do not know where to turn to. It can often turn into this situation where you are looking for some help online or in your area & it becomes too overwhelming to the point where you stop looking. This is normal, but ignoring Finances is the worst course of action, as it will not go away; it gets worse.
We promise every person that we speak to that we will do everything we can to help them. We pride our company on always being honest, even if that means telling someone something they do not want to hear. We have had countless situations where we did a free consultation & that person did not need our services & that’s okay. We will never push any service or product on a person if we don’t believe they need it or that it can help.
Our Strategy
We like to think of our Financial Strategy as one big ‘To Do’ list. If you check off the entire list, you are ahead of 95% of Americans
-
The very first thing that needs to be checked is your cash flow, aka your budget. We need to look at how much you have left over in your checking account after all expenses are paid.
Our team provides a detailed budget analysis & breakdown that is simple. This will show us what we have to do & where we have to start focusing.
We believe in living below your means.
-
We’re not referring to your house or your vehicle. We are talking about high-interest, unsecured debt like credit cards, personal loans, or payday loans.
This step sometimes takes a bit longer, but once this is completed, not only will you feel incredible, but we’ll be able to move on to the fun stuff.
The most common debt is credit card debt & it can carry interest rates up to 34.99%. We believe getting out of this high-interest debt is the highest priority.
-
After getting out of debt, you will now build up your Emergency Fund. We offer a precise plan to build up a 3-6 month Emergency Fund. This Emergency Fund should be in a HYSA so your money will work for you. This is a crucial part of your finances, as there are too many people without a “rainy day fund”. If something were to happen, like losing your job, you would now be prepared for that because of the 3-6 month Emergency Fund. Any funds that end up being used from that Emergency Fund will need to be replaced after you get back on your feet.
This Emergency Fund will bring you comfort & peace of mind.
-
You will have “buckets” for certain things. For example, there can be a vacation bucket, a wedding bucket, a home down payment bucket, or a concert ticket bucket. Finances are all about being organized & handling multiple things at once. With the Bucket Strategy, we make sure you are always prepared & ahead of the game.
-
50% of your income goes to NEEDS like Housing, Utilities, Groceries, Insurance, Transportation, Debt payments, etc.
30% of your income goes to WANTS like Restaurants, Vacations, Hobbies, Entertainment, etc.
20% of your income goes to Savings & Investing, like Retirement, Brokerage accounts, Emergency Fund, etc.
-
We believe in putting 20% down on a home if you can. If you can’t, that’s fine, but you need to make sure your mortgage payment (including property taxes) is no greater than 30% of your monthly net income. Ideally, we would like your housing payment (rent or mortgage) to be no greater than 25% of your monthly net income. This allows you to be conservative, have plenty of breathing room, & never be “house poor”.
-
We believe if you’re married, your finances should be combined. We provide a structurally sound guide on where to start. Financial stress or financial problems account for roughly 40% of divorces.
-
6% - 15% of your income goes to retirement. This can be a 401k or Roth IRA; it does not matter. It’s important to follow these steps in order because it would be foolish to have 15% of your income going to your 401k when you are in 20k of credit card debt. Everyone wants to have enough money to retire & make sure they can live comfortably.
Our Approach
✓ Receive a personalized spending and budgeting plan that’s custom-tailored just for you
✓ Work towards your long-term goals
✓ Stop wishing for the house, farm, or first-class tickets and start planning for it instead
✓ Manage the family finances without a fight
✓ Tackle debt, grow your savings and build generational wealth
✓ Break the cycle of credit card debt—plan for every wedding, trip, and bill this year
✓ Achieve your dreams, whether it’s starting a business or retiring early
✓ Gain the confidence to become your own money expert (really!)
Save Money
We’ll help you build a budget that covers everything from groceries to dream vacations — and spot the overspending most people miss.
We want you to have more room for more of what you love.
Pay Down Debt
Leave your guilt and shame at the door.
Your Financial Coach will help you make a strategic and achievable plan to pay it off while staying focused on your goals.
Change Your Mindset
We will help you break cycles like impulsive spending, anxiety about never having enough, and just feeling overwhelmed.
Secure Your Financial Future
We’ll help you map out your long-term goals, build healthy habits, and make sure your money is moving in the right direction.
The Investment
We believe what we have is more than a “service”. This is you investing your time, money, & efforts to create Financial Stability for the rest of your life.
Closing one chapter & starting a new one. Burying old habits & breaking free. Living your version of a RICH life starts here.
Financial Foundation
Perfect for self-starters who just need a roadmap and a clear direction to execute on their own.
Price: $399 (One-time fee)
The Deliverables:
1x 90-minute Deep-Dive Kickoff & Strategy Call.
Comprehensive 3-month spending audit & custom zero-based budget.
Structured Debt Payoff Plan & Emergency Fund Blueprint.
The Output: A personalized PDF Financial Roadmap.
Support: 2 weeks of follow-up email support to help them implement it.
Financial Momentum
Your bread-and-butter offer. Best for general clients who need the upfront engine built, plus ongoing accountability to learn how to drive it.
Price: $450 Onboarding Fee (Month 1) then $199/month (3-month minimum commitment).
The Deliverables:
Month 1: Full intake, spending audit, custom budget creation, and debt strategy setup (identical to the Foundation package deliverables).
Month 2+: 1x 45-minute monthly alignment call to review spending, adjust budget categories, track debt payoff, and provide coaching.
Support: Ongoing text and email support for quick financial questions.
The Wealth Builder
For high earners ($100k+), clients tackling a major financial crunch, or couples wanting an all-inclusive, high-touch transformation.
Price: $997 flat fee for 90 days OR $349/month (3-month minimum).
The Deliverables:
Full intake, deep-dive spending audit, and a shared live net-worth/debt tracker dashboard.
2x 45-minute coaching sessions per month (6 sessions total over 90 days).
On-demand consulting for major purchases, lifestyle inflation, and salary negotiations.
Support: Priority texting and dedicated weekly accountability check-ins