It doesn’t matter if you make $20,000 a year or $200,000 a year.  We all have goals, stresses, worries, behaviors and habits (some good – some not so good).  Many households have satisfactory income, but they spend lots of their income, so at the end of the month and year - they are simply “treading water” and maintaining their lifestyle – not adding value to their lifestyle and life goals.

Individuals and couples may be living paycheck to paycheck, not really communicating with each other about their own goals or are feeling anxious or embarassed about discussing their situation with one another or to someone else.  This is where Hern FC comes in - to help facilitate a discussion and analysis of your situation and help guide you to assess your life.  You can't fix what you don't know - and even then, it is a process and takes time. 

Part of what we do on the personal financial coaching side of Hern FC is similar in spirit to nationally television personalities such as Dave Ramsey, Suze Orman and Clark Howard who answer a wide variety of personal financial questions (although with more general and quick answers).  We dig deeper, spend more time undertanding who you are, your current situation and where you want to go and are far more holistic in our questions and overall relationship with you.

Hern FC focuses on your education, growth and decision-making processes so you can independently manage your money smarter and make better informed investment decisions as well as overcome the obstacles that are keeping you from reaching your financial goals.

People are getting left behind by a financial system that is complex and changing rapidly.  Traditional financial advice is about investment products and types of assets – not people, their home budgets, spending habits or liabilities.  People are the cause of their financial problems, and the products that financial advisors sell are only some of the tools – not solutions.

People with financial intelligence will succeed regardless of income level, while others without financial intelligence will live in financial mediocrity - or worse.  The difference is the person’s financial intelligence, and that is the domain of financial coaching.

A traditional financial advisor’s goal is to run a profitable advisory business.  That is how they are going to build their wealth –on the back of yours by selling you investment, insurance and other related products to help you reach your goals.  They get paid to invest your capital – they do not get paid to help you create capital in the first place.  This incentive may limit the scope of their advice. 

Many people don’t have enough income or assets for most Financial Advisors or Financial Planners to spend the time and energy to help – because their business structure is to get your assets (almost always from transferring it from someplace else). 

Financial Coaching provides a structured and collaborative environment in which you can not only expect financial growth but personal growth and performance improvement as well. Many other aspects of a client’s life improves along with their financial picture when coaching.

Personal financial coaching promotes self-discovery, improved focus, and a renewed openness to taking more effective actions. Through financial coaching you can develop improved self-confidence and mastery over your financial security. The result is a more successful, capable and independent you.

You don't need to walk the journey to financial freedom alone. You can avoid many of the obvious mistakes and accelerate your progress with the support of your personal financial coach – and without many of the conflicts of interest inherent in traditional financial advice.

Financial Coaching is not just about making more money: it's about enjoying the journey along the way by growing your wealth without the usual stress and struggle. Financial coaching is about developing an abundance of money as well as loving relationships, inner peace, greater time freedom and a deeper sense of fulfillment in life. Financial Coaching is about true wealth, and making more money is only one part of that.

If you're not clear about the value of financial coaching just try and imagine an Olympic athlete without a coach. Do you think they would have made it to the Olympics? Do you think they could have competed at such a high level without benefitting from the expertise, accountability, and value created by a coach?

Now, just imagine the difference financial coaching can make in your life.

Hern FC helps you explore the emotional, practical and spiritual aspects of your relationship with money. This holistic approach to money and debt management will help you:

• Discover how childhood beliefs about money affect your adult spending patterns.
• Become proactive and anticipate wants and needs using a spending plan.
• Reduce debt and save money, at the same time, without feeling deprived.
• Move out of self-limiting beliefs and into behaviors which build confidence, competence, and economic empowerment.

To make long-lasting lifestyle changes people need consistent encouragement and support.  We provide this as we help you gain insight into your relationship with money and develop new habits to improve your financial security. With our guidance, you'll develop a personalized action plan to reduce debt and increase savings simultaneously. Through on-going personal meetings, Hern FC helps you address doubts and fears that might otherwise sabotage your success. With new insights, financial tools, and our support, you'll learn to become a truly effective personal money manager.

Hern FC encourages you to take the first step toward financial health. Learn how our financial coaching services can meet your financial needs by calling 716.763.1234 or emailing us at info@hernfinancialcoaching.com !!

The Process

We address the practical steps of financial management, including balancing a checkbook, developing a spending plan, and analyzing income versus expenses. But we also go deeper. We help our clients overcome their deep-seated barriers to financial health by integrating the emotional, spiritual, cultural, and historical aspects of how we behave with our money.

What to Expect

Our aim is to make the coaching process as supportive and effective as possible. You can expect our coaching process to cover, at minimum, the following:

Acknowledging Fears. With our guidance, you will determine the top 3-5 issues or concerns you face with your finances. We will ask you questions such as:

• What are your financial concerns?
• What are your fears?
• What patterns have you noticed?
• What made you reach out for help?

Clients will explore some of the deeper issues of their day-to-day spending habits, looking at the emotional, spiritual, and historical aspects that influence financial health. Recognizing these influences is essential to financial healing. Otherwise, any financial planning will simply be a band-aid approach.

Setting Goals. We will talk about your goals and objectives for the next 12-24 months. Unlike other financial consultants who deal with long-term investments and retirement, Hern FC helps you develop day-to-day financial discipline that will lead to longer term financial success.

Coming Clean. Together we lay everything out on the table and take a look at your finances, including your debt summary, interest rates, current and past due accounts. This is about writing down and adding up your debts, coming clean with where you are financially, and getting a large-scale view of the extent of your indebtedness and situation.

Creating a doable plan. Having looked at your current financial situation, we then create a spending plan for the next two months with the goal of stabilization. We will show you how to take action today to reach your goals at the end of the first two months.

What We Believe

We believe in empowerment and support, not criticism or judgment.

We help you break through both the practical and emotional barriers to financial health.

We help create goals for the next 12-24 months and feasible and realistic day-to-day steps for you to reach these goals.

Hern FC encourages you to take the first step toward financial health. Learn how our financial coaching services can meet your financial needs by calling 716.763.1234 or emailing us at info@hernfinancialcoaching.com !!