Coaching questions
Coach or adviser, fees and first steps
How is a financial coach different from a financial adviser?
An adviser or wealth manager mainly looks after existing investments, retirement allocation or insurance. A coach works earlier in the chain, on the paycheck itself: cash flow, a realistic budget, high-interest debt, irregular income and credit habits, so that a monthly surplus exists to plan with.
How do I know which programme to start with?
Start with the free 25-minute clarity call. You talk to a coach about what is causing the stress right now, and together you choose the single intensive or the 90-day programme that fits.
Are the published fees final?
Yes, for the scope described on the services page. The two longer programmes can be split into three monthly payments, and any work outside the scope is agreed and priced before it starts.
Do I need a tidy budget before the first session?
No. Bring your approximate monthly take-home pay, a rough list of recurring bills and your current balances. Nothing is uploaded through this website, and the rest is organised together.
Do you sell financial products or manage money?
No. The only payment is the session fee. No insurance, annuity, fund or debt-settlement loan is sold, no commission or referral fee is taken, and no investment, tax or mortgage advice is given at any point.
Will you ask for my bank logins or move my money?
Never. Banking passwords, Social Security numbers and login details are never requested, and client money is never held or moved. In a session you view your own accounts and share only what you are comfortable showing.
My partner is nervous about couples coaching. What then?
It is a common worry that coaching will feel like two against one. Both partners are invited to the free clarity call first, so the hesitant one can see that the coach takes no sides, does not police small purchases and protects each person’s own spending money.
Are sessions in person in Des Moines or by video?
Either. Clients can meet at the Des Moines office, join by video from home, or mix the two across a 90-day programme. A session moved with at least a day’s notice is rebooked at no charge.