you are
Bigger Than Your Money
Money Can Work For You
Coaching Options
Some people come to us in a hard spot. Many come doing well and wanting a second set of eyes: a checkup before retirement, a plan for an inheritance or the sale of a business, or an honest, fee-only opinion from someone with nothing to sell.
Taking ownership of your finances and starting to work toward your Big Life Goal is a choose-your-own-adventure story. We’re here to help and support in whatever way feels best to you.
The only money we will make from you is the money you pay us. We will never sell you a service from which we make any money, or make any money off a referral. The way to recognize this is when people say they are “fee-only”. “Fee-based” is not the same thing! That means our only goal is helping you, not helping us make money off you. If you ever have trouble understanding the plain-English version of some fancy talk, we are happy to help!
Coming as a household? Household packages include a private session for each of you, so you can each get clear on your own goals before building shared ones. Working with two people takes more time, so household prices are a little higher.
One of you handles the money? The individual rate applies, and your partner is welcome at any session at no extra cost. We hope you'll bring them now and then. When one person does it all, money can quietly become one person's decision, often without anyone meaning it to, and the other is left exposed after an illness, a death or a separation.
The healthiest families talk openly, even about tense subjects. If money feels stressful at home, that's exactly where we can do the most good.
Whatever you share in your own session stays private unless you choose to share it.
Please, don’t let lack of money stop you from getting help with your money. Discuss your situation with us and we can work something out.
Don't see a time that works for you on our booking calendar? Email hello@biggerthanyourmoney.com and we'll find one.
Your Options
Single Sessions
Best for one big question or a quick checkup; most people benefit more from a “Complete Assessment” which looks at the whole picture
Pay It Forward $225
Standard $150
Access $50
Households (two of you): Pay It Forward $300 · Standard $200 · Access $65
Complete Assessment
Choose how much support you need in follow ups:
Complete assessment, unlimited follow ups over six months: Pay It Forward $1,800 · Standard $1,200 · Access $450
Households (two of you): Pay It Forward $2,075 · Standard $1,375 · Access $525
or
Complete assessment, three follow
ups over six months: Pay It Forward $1,200 · Standard $800 · Access $300
Households (two of you), with a private session for each of you: Pay It Forward $1,600 · Standard $1,050 · Access $400
Please, don't let lack of money stop you from getting help with your money.
Further sessions are at your Single Session rate. After an initial six month cycle, tune-ups recommended every six months
Support Circles
Bring your own Circle!
If one-on-one financial coaching is not right for you (or not right for you yet!), think about setting goals with friends -- with expert guidance.
Each member will develop their Main Goal and two Side Goals to track and report. Groups will vary from three to eight people. We will have time for each person to report, and some time for specific questions.
Each group can decide on a meeting schedule. Rates are per person, per meeting: Pay It Forward $50 · Standard $35 · Access $15. Or save with a 6-meeting package used within six months: Pay It Forward $270 · Standard $190 · Access $80.
Please, don't let lack of money stop you from getting help with your money.
Accountability Plans
Maybe you have clear goals and plans -- but you are having a hard time keeping yourself accountable. Having an experienced accountability coach can be the difference between success and failure.
Includes a check in on goals every two weeks
3-month plan: Pay It Forward $450 · Standard $300 · Access $120
Households (two of you): Pay It Forward $600 · Standard $400 · Access $160
Please, don't let lack of money stop you from getting help with your money.
Group Education
Bigger Than Your Money Fundamental, Advanced, or customized talks or group sessions available. Please discuss your needs with us, and we’ll figure something out!
Gifts
Financial coaching works best if people are committed to it for their own reasons —but sometimes people don’t know what they don’t know! A gift of financial coaching can help people establish goals and clarify strategies. It is a great way to celebrate a graduation, a new job, a new life partnership, or someone
forging a new path.
Success Stories
This week's money idea
The bills that sneak up on us (and a gentle way to see them coming)
Most of us know our monthly bills by heart. The ones that catch us off guard show up once or twice a year: car registration, a yearly renewal, taxes, the dentist, sending a little extra home for a family celebration. None of them are really surprises. They just don't arrive every month, so they feel like emergencies when they do. And if your income goes up and down, as it does for many self-employed and 1099 workers, they can land in a slow month and hit even harder.
For many of us, the biggest one is the holidays. We often don't feel that spending in December. We feel it in January, when the celebrations are over and the credit card bill arrives. Many families spend around $1600 between gifts, celebrations and travel.[1] What could you do with $1600 that is on your “goals” list?
There's no wrong way to spend your money, as long as you do it with eyes open. If you love a big holiday, your money can help build that! But it's worth deciding which traditions you love and which you could leave behind. Spend where you love spending, and feel free to stop where it bores or annoys you. That choice alone saves many families hundreds of dollars.
For the rest of the year, the fix is simple: list the costs you know are coming in the next twelve months, add them up, and divide by twelve. That's what it takes each month for those bills to stop being surprises. Even setting aside part of that amount helps.
One small thing to try this week: Before the shopping starts, take ten minutes to decide how much you'll spend on the holidays in total, and on each person you buy for. If you share money with someone, decide it together. Write the numbers down, and watch out for the “isn't this cute!” purchases.
With a big season coming, small steps beat trying to do everything at once. Our spending tracker works well for holiday purchases, even if you're not ready to use it every day. If you'd like help with any of this, just reply or write to hello@biggerthanyourmoney.com. Coaching and our free spending plan are here for you.
Bigger Than Your Money
________________
[1] https://www.deloitte.com/us/en/about/press-room/deloitte-holiday-spending-set-to-increase.html