Renata Okafor
Founder and lead financial coach, AFC®
An AFCPE-credentialed Accredited Financial Counselor who helps busy professionals and families move from paycheck stress to calm, automated saving.
Accredited money coaching · Columbus, Ohio
Cash-flow systems that fit real life, without guilt or jargon
A good salary does not automatically make opening the banking app feel calm. Ledgerleaf Money Coaching helps individuals, couples and self-employed earners in Columbus build a clear spending plan, pay down debt in a sensible order and talk about money without tension.
1-on-1 and couples coaching programmes
Choose a focused 90-minute roadmap or three months of guided accountability for the whole household. Every session ends with clear next steps, and every fee is a flat one.
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90-Day Cash-Flow & Budget Reset
A guided overhaul of paychecks, bills, irregular costs and savings automation, built around what you value spending on.
$690
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Couples Money Alignment
Blame-free coaching for partners to align accounts, end money arguments and plan shared milestones.
$840
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Debt Payoff & Student Loan Roadmap
Avalanche and snowball modelling side by side, student loan options and a buffer that stops the card cycle.
$295
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Variable-Income Cash-Flow System
For freelancers and commission earners: smooth feast-or-famine months, set tax aside and pay yourself a steady salary.
$360
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Credit, Emergency Fund & Home-Readiness
A credit report review, a down-payment savings plan and an honest stress test of a future mortgage payment.
$275
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Monthly Accountability Check-In
One 50-minute session a month for graduates and self-starters handling raises, new babies or career changes.
$135/month
Education and accountability, never a sales pitch
Too many “free financial consultations” turn into commission sales meetings for life insurance or mutual funds, and many wealth advisers will not take you on without a large portfolio. Coaching fills that gap. Ledgerleaf Money Coaching sits beside you inside your real checking account, credit cards and paychecks to build simple automated habits you control. It does not sell securities, manage investments or prepare tax returns; when a question needs a CPA, an attorney or a fee-only CFP® professional, your coach says so.
Inside our sessions, tools and milestones
No 40-tab spreadsheet required: the habits and simple visual tools clients keep up in under fifteen minutes a week.
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Steady automated transfers on payday are how an emergency cushion grows. -
A sinking fund with a named purpose, so annual bills stop arriving as surprises. -
Take-home pay, recurring bills and balances: all a first session needs.
Meet our credentialed coaches
Three coaches and a client coordinator share the studio. Most clients start with one of these two.
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Daniel Whitcombe
Debt, credit and couples coach
A Certified Credit Counselor and Financial Behavior Specialist who helps couples get on the same financial page and turns a pile of balances into one payoff order.
Real stories from individuals and couples
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Earning $115,000 a year and living paycheck to paycheck felt humiliating. Renata helped me find $1,450 a month without feeling deprived.
Danielle R.
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We went from tense Sunday-night arguments over card bills to $9,500 in shared emergency savings and real peace between us.
Jordan & Kelsey P.
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Priya turned my rollercoaster commission checks into a calm, predictable biweekly paycheck and a fully funded tax bucket.
Mateo C.
Coaching or financial adviser?
How is a financial coach different from a financial adviser?
An adviser or wealth manager mainly manages existing investments, retirement allocation or insurance, often from $250,000 in assets upwards. A coach works upstream, in daily cash flow: budgets, high-interest debt, irregular income and credit habits, building the monthly surplus that makes investing possible later.
Will you try to sell me insurance, annuities or funds?
Never. Coaching is paid for with flat fees only, and no commission, referral fee or kickback is taken from any bank, insurer, brokerage or lender.
Do I need a tidy budget before the first session?
Please don’t wait until the numbers look presentable. Bring approximate take-home pay, a rough list of recurring bills and your current checking, savings and debt balances. Everything else is organised together.
Are sessions in person or on video?
Both. Meet in the Columbus studio, join from home by encrypted Zoom video, or mix the two across a 90-day programme.
Start with a free clarity call
Twenty-five minutes, no pressure and no account numbers needed. Tell Ledgerleaf Money Coaching what is causing money stress right now, and leave knowing which programme, if any, fits.