Financial independence Plan
Gain the stability and confidence to make the changes you want
Many people feel stuck at work. Many workers are ready to make a change but are facing major obstacles such as financial instability or lacking confidence. I help people get unstuck by getting them into a position to elicit meaningful change.
Identify what matters
Figure out what’s truly important to you and how to incoporate that into your life starting today.
Financial Strength
Getting into a strong financial position will enable the changes you want to make a reality.
Tailored advice
Everyone’s situation is unique and there is no single answer. We’ll work together to make a plan based on your life that you can look forward to and stick to.
How Coaching Works
Step 1: Schedule a free 20 minute consultation. The purpose of this call is to ensure that we are a good fit. No strings attached and no pressure applied. We will discuss your financial journey. Specifically, what brought you to Cash Flow Fitness, where you are now financially and where you hope to go.
Step 2: I will follow up with you after the call, at a mutually agreed upon time, where you will let me know if you would like to work together and, if yes, help you pick the solution that works best for you and your personal situation (i.e, MyBudgetCoach or the full service financial coaching package).
MyBudgetCoach (MBC)
Working with a financial coach full-time may not be the right solution for you. That’s why I’ve partnered with MBC to offer you a flexible, semi-DIY budgeting solution that fits seamlessly into your lifestyle.
MBC is an innovative budgeting software featuring a built-in virtual coach I created that reflects my unique coaching approach. My virtual avatar will guide you step-by-step through the setup process and help you stay on track—all at your own pace. Whether you have 10 minutes here and there or prefer to work in short bursts, MBC adapts to your schedule, making financial coaching more accessible than ever.
For those times when you need a more personal touch, you can easily message me or schedule live 1-on-1 sessions straight from the software. We can address any questions not covered by the virtual coach, discuss your specific financial goals, and craft a plan tailored to your needs.
- You’re seeking a cutting-edge budgeting tool.
- You prefer to work at your own pace.
- You want the flexibility to schedule a call when it suits you.
- First 35 days free—no credit card required.
- After the trial, continue for $14.99/month or $98.99/year.
- Optional 1-on-1 coaching calls at $55/hr.
Coaching Package
No two people are the same. Everyone has their own money story and individual starting point. By choosing to work with me, you can look forward to the following sessions:
- Session 1 – Money Mindset: Shifting Perspectives and Discovering Your Passions. The first session will be about level setting where you’re currently at with your money. Together, we will identify your money hangups and past obstacles. This creates a holistic view of your relationship with money. We will also identify a cause or organization that speaks to you. 10% of my coaching fee will be given directly to the charity of your choosing.
- Session 2 – Cash Flow Analysis: Uncovering Patterns and Setting SMART Goals. We’ll look under the hood to understand where your current cash flow is going and begin setting up your SMART goals (i.e. goals that are Specific, Measurable, Achievable, Realistic and Timed).
- Session 3 – Goal Refinement: Fine-Tuning Your Objectives. By this session, you will have the confidence to take a deeper dive into your cash flow and fine tune your SMART goals. It’s great for goals to change and grow with you!
- Session 4 – Blueprint: Crafting a Plan for Financial Freedom. Together, we will work towards a saving and spending plan that you can get excited about. We’ll build a framework that is both enjoyable and will empower you to make good money habits so that you can be successful in the future and attain financial freedom!
- Session 5 – Progress Review: Adjusting and Optimizing Your Plan. After having some time to get real life opportunities putting your plan to use since the previous session, we’ll tweak the spending and savings plan based on your experience to enable successful outcomes.
- Session 6 – Future Success: Strategies for Sustained Achievement. At this point, you will have a clear set of goals and a plan on how to achieve them. We’ll discuss strategies for putting up guardrails to ensure continued future success. You are ready to graduate from the program and have built yourself a strong financial foundation!
Timing: The coaching package will be over a period of 3 months. Generally, we will meet for 1 hour each week for the first two weeks, followed by another four 1 hour meetings over the next 2.5 months for a total of 6 hours. We can tailor the actual meeting length & scheduling to reflect your personal schedule.
My commitment to continuing education
Continuing education is fundamental for me as a coach to provide the best advice I possibly can to each of my clients. My memberships with the the Association for Financial Counseling & Planning Education® (AFCPE®) and Financial Coaches network ensures that I am continuously improving existing skills and learning additional ways to better serve my clients.
As a member of the Financial Coaches Network, I have access to a proprietary Knowledgebase of advanced personal finance topics designed to help financial coaches better serve their clients.
The Knowledgebase was developed by Joshua Escalante Troesh, CFP; a Tenured Professor of Business and Personal Finance who has written personal finance curriculum adopted by multiple community colleges and approved by the Cal State University system’s Chancellors Office for meeting General Education requirements for all Cal State Universities.