Frequently Asked Questions

I love that you feel confident and encouraged to reach out for guidance on your financial wellness journey! Embracing the process will be so rewarding for you and I cannot wait to see your inevitable successes!  

Let's schedule a FREE 20 min Q&A call to get started!  The goal of this call is to give you an opportunity to share with me your motivation and objectives for financial coaching and also to ask me any high level questions about myself or my practice that may be a priority for you.  Additionally, it gives me an opportunity to make sure that your goals and objectives align with my practice and expertise before beginning any paid sessions. 

How to schedule a call: 

- Email me - becky@harborfinancialwellness.com

- Call me - 860-391-6778

- DM me on Instagram - @harborfinancialwellness

I completely understand the challenges around sharing financial obligations! If you are legally married, engaged or moving in the direction of a legal partnership I highly recommend that both partners attend the coaching sessions. This will give us the opportunity to work on aligning both of your goals. We will create a plan that feels good for both partners, allows for transparency, and addresses conflicting mindsets or habits around areas of your money that could potentially create troubles in the relationship down the road (or maybe they already have!).  

When you work as a team and learn to support and compensate each other accordingly you will accomplish your goals exponentially more quickly.  That said, if you are struggling to get buy-in from your partner on the value of or need for financial coaching, I am happy to begin the process with one partner.  We will assess your progress along the way, with the goal of involving the second partner as early in the process as possible. 

While I have had valid securities licenses since 2014 (series 7 & 63), and have a great deal of knowledge and experience with the investment types offered by an investment advisor, I am not currently registered as an IAR/RIA and I do not provide investment or trading advice.  I may discuss generally some investment vehicles that are potentially appropriate for you to review in further detail with a qualified advisor. 

However, my passion is helping clients with their day-to-day money management and mindset skills so they can truly get their arms around all areas of their money - income, savings, spending, and debt. In my opinion, this is the priority to achieving the financial wellness you are seeking.  

Investing can certainly be a key tool in your toolbox along the path to achieving your wealth goals, and when you are ready I have a trusted network of qualified professionals in this specific area to which I can introduce you. 

All of my clients begin their coaching experience with me by completing the Charter Session. This session provides a two-hour deep-dive into all areas of your money with the objective of providing total clarity around your financial circumstances and an initial plan and strategies that you will be able to implement immediately.  Participating in the Charter Session is typically a great way to dip your toes into financial coaching without committing to a long term program. You will undoubtably receive a ton of value from the session and also get a feel for me and my style of coaching. You will also gain a better understanding of how a longer term coaching program can provide accountability, deeper clarity, mindset and behavior work that will ultimately take you down a more efficient path to achieving your desired results than you would likely see going it alone. 

After the Charter Session, we will discuss advancement into the Voyage Coaching Program if appropriate. Voyage Coaching Program will require a commitment of 4, 6 or 12 months. My recommended commitment timeframe will be based on a number of variables, including:

• our assessment of your current financial circumstances
• the Charter plan details and timeline for achieving meaningful goals that you've set
• your assessment of your level of discipline in following through with the plan we construct
• your desire for companionship and mentorship through the execution of your Charter plan.

Once you have graduated from the Voyage Coaching Program you will have the option to continue our relationship in the Captains Program. This program allows you to schedule periodic check-ins that help with accountability, reassessment of the Charter Plan/strategies as needed, help with new or recurring mental blocks, or a review of new financial circumstances that are presenting in your life. 

I leave you with this thought - Financial Coaching is a very personal experience. No two clients have the same set of circumstances, upbringing, relationships, goals, mindset, behaviors, etc. Avoid comparing your journey to others and embrace your own experience.  Achieving financial wellness is truly liberating! I am honored to be a part of your story!

Poor financial circumstances are often a major cause of anxiety or stress in your life. Having a coach by your side with a personalized, efficient and achievable plan to execute on your goals will absolutely provide relief in this area. The take aways from coaching include: improved finances, self-awareness and positive changes around your behaviors, habits, a refreshed relationship with money, along with new financial knowledge. These gains will stay with you for a lifetime! As such, the results far outweigh the cost of any of my programs.  

Additionally, during our Charter session (a two-hour, single session, deep dive into your finances) I am often able to help clients "find" the funds in their spending plan to cover coaching costs. The key is that acquiring the new skills that coaching will provide has to be a priority for you.  You must see the value in the the life you could have if you pursue self-improvement through financial coaching.  I am here to help you paint that picture of your ideal life and answer any questions you may have around implementing a coaching practice.

That said, if you are struggling to find the funds to cover your basic needs (food, shelter, transportation, etc).  Please send me an email - becky@harborfinancialwellness.com and I will point you to some free resources that may be helpful and relevant for your situation.  Once your survival basics are covered we can then tackle next steps. 

Please know that you are capable of achieving financial wellness. It does not matter where you start from. You just need to start!