Financial Coaching for All of Life's Questions

  • It’s open enrollment time but you’re unsure which options are best for your situation. You want to sign up for an HSA but aren’t sure how it works.

  • You got a bonus at work and aren’t sure if you should pay down your student loans, invest the money, or finally take that vacation!

  • The voice in the back of your head (it’s OK, we all have one) keeps telling you to make the leap and start that business, but you’re not sure if you can make it work.

  • You’re ready for a major life or career change (marriage, retirement) and want to ensure you’re set up for success.
  • You last reviewed your auto and home/renter's insurance when you got the policies years ago. Every time you see those GEICO ads you wonder if you, too, should be saving 15% or more.

  • You want to enroll in your company retirement plan but aren’t sure how to much to contribute or what to invest in (oh, the options!).

  • You just had a baby and want to start a college savings plan (maybe) but don’t know where to start.

We Work Best With Clients that Are:

  • Fun! 

  • Ready to make financial changes

  • Comfortable with technology (Skype, FaceTime, uploading documents, etc.)

  • Eager to learn

  • Wanting help on a wide range of issues

  • Excited to develop an ongoing relationship


Specific Advice and Action Steps to Keep You on Track and Living a Life You Love.

Through big decisions and small, life choices and financial choices, it's nice to have someone on your side. As a financial coach, we work with you to get your finances in shape. We'll continually set and accomplish goals, covering everything from cash flow, debts and saving, to investments, insurance and estate planning. 

We'll also regularly chat about your goals, dreams and desires. 

Want to hit the road and travel the world? Let's make it happen! 

Can't wait to turn that hobby or side project into a business? Let's do it!

Ready to make a complete career shift or move across the country? Great! 

Ready to stop living the life others expect you to and go after YOUR happiest life? It's time!

How we'll work together

You might not know where you want to begin, and that's okay. We'll start with a 60-90 minute call (phone or video) to chat about what you feel is working in your financial life, what isn't, what areas you tend to avoid, and prior experiences working with financial professionals. 

But first, we always start by asking, "When are you happiest?"


Because data, graphs, charts and questionnaires don't have much meaning until we know what we're working towards. It might be more time for your hobbies, a relationship or career change, or preparing for life's many big events.

We'll then begin tackling the most pressing items, usually only working on one or two things at a time. We'll talk regularly, with unlimited availability via email. Over time, we'll cover topics including:

  • Cash flow, budgeting, debts and saving
  • Insurance: Home, life, auto, personal
  • Investments: Short-term, long-term, diversification for risk and tax
  • Estate planning: Living wills, powers of attorney, planning for digital assets
  • Credit reports, charitable giving, travel rewards, and financial education

A Few Important Things to Note

  • We'll keep in touch and meet by email, phone, Skype or Google Hangout. 
  • You must be comfortable doing everything electronically: Video conferencing, e-payment, uploading documents, connecting accounts to our client website, and using various secure websites we may recommend for budgeting, debt payments, etc.
  • You don't need to be wealthy to enjoy your happiest life.

Cost: Initial planning fee of $995 + a monthly subscription of $250 

Next Steps

If you're ready to take control of your finances, with a coach by your side, you can schedule an appointment here. If you'd like to chat first, we'd love to learn more about you and ensure we're a good fit. 

Let's Cover Your One or Two Most Pressing Financial Concerns

Have you been ignoring your investments for a bit too long? Did you sign up for an annuity or insurance policy at some point but you're not quite sure if it makes sense for you? Do you need help enrolling in your company retirement plan and wading through your employee benefit options?

There are many situations where working together to tackle a project, without entering into a full ongoing financial coaching relationship makes sense. 

What's Included

  • An initial 30-60 minute call to discuss your project, questions, and desired outcomes
  • A 60-90 minute follow up call two to three weeks later with our thoughts, recommendations and advice
  • A follow up email with our thoughts, recommendations and advice in writing

It's likely there will be additional communication throughout for questions and clarification to ensure all of your questions and issues are properly addressed. 

Cost: $595-$995

Next Steps

If you're ready to get going on your project, you can schedule an appointment here. If you'd like to chat first, we'd love to learn exactly what you're looking for and ensure we're a good fit. 

No Asset Management. No Product Sales. Just the Conflict-Free Advice You Need.

We don't manage assets or sell products. We hold ourselves to the highest fiduciary standard. What does that mean for you? It means we always operate in your best interest and are able to provide conflict-free advice. Best of all, we want to help you create YOUR happiest life now.

Have fun! That should be a priority at all stages of life. But it needs to be mixed
with a healthy dose of responsibility and planning for the future.”
-Kate Holmes, Founder + CEO

Schedule Now

If you don't see a time that works for you, feel free to call us at 800-895-1298 or shoot us an email at and we'll find a time that works!

The Brains of the Biz

Kate Holmes, CFP® Founder + CEO

Kate Holmes, CFP®
Founder + CEO

Claim to Fame
I won "talked so much she lost her voice" at 6th grade camp.

Interesting Fact
I've been to almost 30 countries and graduated university in Australia. 

Hidden Talent
I can wiggle my nose in an apparently abnormal way. 

Favorite Hobby
Traveling! Domestic or international, rarely with plans, taking each day as it comes and walking until we can't feel our feet anymore!


Danika Waddell Fee-Only Financial Planner | Director of Client Engagement

Danika Waddell
Fee-Only Financial Planner | Director of Client Engagement

Claim to Fame
I won the 6th grade spelling bee.

Interesting Fact
I backpacked around the world with my now-husband for 9 months before getting hitched. 

Hidden Talent
Totally useless, but I'm really good at writing upside down. 

Favorite Hobby
I love kicking around a soccer ball and running long distances in the woods.