About the practice
Coaching, not selling
How Ledgerlight started
Elaine Vosberg spent eleven years in retail banking watching households be sold products they did not need. Ledgerlight opened in Des Moines in 2019 to give those same households the planning without the sale attached.
How a session works
It starts with a free 25-minute clarity call. You then jot down a rough snapshot of take-home pay, bills and balances with a 15-minute intake guide, and the scope and fee are agreed in writing before the first session. The plan is tested across real pay cycles and adjusted until a calm monthly routine sticks.
What we do not do
Ledgerlight is paid only by its session fees. No insurance or other product is sold, no brokerage assets are managed, no affiliate commission is taken, and no investment, tax or mortgage advice is given at any point.