The Biggest Financial Decisions in Life Shouldn't Have to Be Made Alone.
Whether you're preparing for an important financial decision or looking to get back on track after past ones, I'm here to help you understand your options, make informed decisions, and move forward with confidence.
Because your past doesn't define your financial future. Your next decision does.
At Centsibility™, you'll receive practical education, personalized coaching, and supportive accountability to help you build lifelong financial confidence—one informed decision at a time.
A Different Kind of Financial Coaching
No selling of investment products. No insurance policies. No commissions.
Just objective guidance focused entirely on helping you build the knowledge, habits, and confidence to make financial decisions that support your goals.
Together, we’ll create a practical plan and build healthy financial habits that give you greater confidence and peace of mind every step of the way.
Book Your Complimentary Discovery Conversation.
A pressure‑free, 30-minute, video conversation where we discuss your goals, answer your questions, and determine whether coaching is the right fit for you.
No pressure.
No obligation.
Just a conversation.
The Bronze, Silver, and Gold Coaching Programs follow The Centsibility™ Method, combining practical education, personalized guidance, and supportive accountability to help you make meaningful financial progress.
Whether you're looking for a one-time Financial Assessment or ongoing coaching and accountability, you'll find a coaching option designed to meet you where you are today.
Choose the level of coaching support that's right for you.
Not Sure Where to Start?
Begin With the Centsibility™ Financial Assessment
Every coaching journey begins with understanding where you are today.
The Financial Assessment provides a clear picture of your current financial position and helps identify the next steps toward your goals.
Whether you choose the Financial Assessment as a standalone coaching session or as the first step in a Bronze, Silver, or Gold Coaching Package, you'll receive a personalized evaluation of your current financial position, practical recommendations, and a clear roadmap to help you move confidently toward your goals..
30-Minute Discovery Consultation:
$199
Centsibility™ Financial Assessment:
Your Starting Point: The first Step Toward Financial Confidence
Two One-Hour Coaching Sessions
The Centsibility™ Financial Assessment is the foundation of The Centsibility™ Method.
Together, we'll evaluate your current financial position, identify your strengths, uncover opportunities for improvement, and discuss practical next steps based on your goals.
Whether you're looking for a one-time financial assessment or considering ongoing coaching, this session provides a clear understanding of where you stand today—and where you'd like to go.
Your Financial Assessment Includes:
✓ Income Review
✓ Debt Review
✓ Housing Cost Analysis
✓ Savings & Cash Reserves
✓ Investments & Retirement Savings
✓ Financial Goals Discussion
✓ Financial Wellness Assessment
You'll Leave With:
✓ A clear understanding of your current financial position
✓ Personalized recommendations
✓ Practical next steps
✓ Greater confidence moving forward
*At the completion of your Financial Assessment, you'll receive a Personalized Coaching Credit equal to the full cost of your assessment. You'll have 30 days to use this credit towards the purchase of the Bronze, Silver, or Gold coaching plans.
$599
Bronze Coaching Package:
Build Your Roadmap.
4 One-Hour Coaching Sessions
Best for clients who are ready to create a personalized financial plan.
Your coaching journey begins with the Centsibility™ Financial Assessment, where we'll gain a clear understanding of your current financial position.
From there, we'll build a personalized roadmap tailored to your goals, priorities, and lifestyle.
Together we'll:
✓ Analyze your spending and cash flow
✓ Create a realistic budget
✓ Develop practical savings strategies
✓ Build a debt reduction plan
✓ Review key financial wellness measurements
✓ Create a written action plan with prioritized next steps
You'll leave with a clear financial roadmap—and the confidence to begin putting it into action.
$799
Silver Coaching Package:
Put your Plan Into Action:
6 One-Hour Coaching Sessions
Best for clients who want continued support, accountability, and guidance while putting their financial plan into action.
Creating a plan is important.
Following through is where lasting change happens.
Silver includes everything in the Bronze coaching package, plus two additional coaching sessions focused on implementation, accountability, and continued education.
Together we'll:
✓ Track your progress
✓ Adjust your plan as life changes
✓ Strengthen healthy financial habits
✓ Build confidence making financial decisions
✓ Stay motivated and accountable
You'll continue building momentum with a coach who helps keep you focused on your goals.
$1099
Gold Coaching Package:
Ongoing Guidance and Confidence
10 One-Hour Coaching Sessions
Best for clients who value having a trusted financial coach by their side as they continue growing and adapting to life's financial changes.
Gold includes everything offered in the Silver coaching package, plus four additional coaching sessions that provide the time and flexibility to continue building confidence, strengthening financial habits, and refining your financial roadmap.
As your life changes, your financial plan should evolve too.
We'll continue working together to:
✓ Review your progress and celebrate milestones
✓ Refine your financial roadmap as your goals evolve
✓ Strengthen budgeting, saving, and spending habits
✓ Continue building financial knowledge
✓ Navigate important financial decisions with confidence
✓ Stay accountable to your long-term goals
Gold is ideal for clients who want ongoing guidance—not just a financial plan, but a trusted coach to help them continue making smart financial decisions long after the initial roadmap is complete.
Gold clients may continue coaching after Session 10 at a discounted rate of $99 per session (Individuals) or $129 per session (Couples).
$149
Drop-In Session:
Guidance When You Need It:
Perfect as a supplement to a Bronze or Silver coaching packages, or for anyone who wants guidance without committing to ongoing coaching sessions.
Common topics include:
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Vehicle purchases
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Student loan repayment options
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Credit card payoff strategies
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Saving for major purchases
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Refinancing a mortgage
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General personal finance questions
You'll leave with practical recommendations, clear next steps, and greater confidence moving forward.
Book Your Complimentary Discovery Consultation
We'll have a judgment-free video conversation regarding your particular money matters and discuss your financial goals.
We'll determine what type of guidance and education would be beneficial, and if a coaching program would be right for you. This online call is pressure free.
$399
$799
$999
$1299
$199
Coaching Services
Personal Finance Coaching
Guidance. Education. Empowerment.
At Centsibility™ Personal Finance Coaching, I believe financial progress involves more than understanding money — it requires building healthy habits, creating practical systems, and taking consistent action toward your goals. As a Certified Personal Financial Wellness Consultant, I provide supportive, judgment-free coaching focused entirely on your best interests.
The Centsibility™ Approach
Financial decisions affect far more than your bank account. They influence your confidence, your relationships, your opportunities, and your peace of mind.
That's why I created Centsibility™ Personal Finance Coaching—to provide practical financial education, personalized guidance, and supportive accountability that helps people make informed financial decisions with confidence.
After more than 35 years in corporate treasury, banking, and financial leadership, I founded Centsibility™ to help individuals, couples, and families apply sound financial principles to their everyday lives.
As a Certified Personal Financial Wellness Consultant (CPFWC) and Certified Cash Manager (CCM), I've spent my career solving complex financial challenges, making informed decisions, and developing practical financial solutions.
Today, I bring that same experience to personal finance coaching—helping clients build confidence, develop lifelong financial skills, and create healthier financial habits.
Financial coaching isn't about being perfect. It's about making steady progress.
There will be unexpected bumps along the way, but my commitment is to provide objective guidance, practical financial education, and supportive accountability in a judgment-free environment where you can ask questions, build confidence, and make informed financial decisions at your own pace.
Whether we're meeting for a Centsibility™ Financial Assessment or working together through one of my coaching programs, my goal is always the same:
To help you build the confidence to make informed financial decisions—not just today, but throughout every stage of life.
Guidance Today. Confidence Tomorrow.
Real Stories of Financial Transformation
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I finally feel in control of my spending. The systems we put in place are simple and actually work with my busy life.
Sarah M., Marketing Executive
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The judgment-free approach made all the difference. I went from avoiding my bank app to proactively planning my future.
David K., Software Engineer
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We paid off our credit card debt in 6 months using the Centsibility system. It’s the best investment we’ve ever made.
The Miller Family