Your Income Isn’t the Problem. Your strategy Is.
Your Income Isn’t the Problem. Your strategy Is.
I help working professionals take control of their credit, eliminate debt faster, and build the financial foundation they need to achieve life’s biggest milestones.
I help working professionals take control of their credit, eliminate debt faster, and build the financial foundation they need to achieve life’s biggest milestones.
A focused conversation about where you stand and what your next steps should be.
You’re Working Hard. So Why Does Money Still Feel Stressful?
You’re earning. You’re paying bills. You’re doing your best. But something still feels off.
☑ You know money is going out — but you’re not sure where it’s actually going
☑ Debt feels like a ceiling you can’t get above, no matter how much you pay
☑ You want to buy a home, build savings, or just feel financially stable — but you don’t have a clear plan
Most people don’t have a money problem. They have a strategy problem.
You’re Working Hard. So Why Does Money Still Feel Stressful?
You’re earning. You’re paying bills. You’re doing your best. But something still feels off.
☑ You know money is going out — but you’re not sure where it’s actually going ☑ Debt feels like a ceiling you can’t get above, no matter how much you pay ☑ You want to buy a home, build savings, or just feel financially stable — but you don’t have a clear plan
Most people don’t have a money problem. They have a strategy problem.
Without a clear strategy, it’s easy to stay stuck making payments, trying your best, and still not moving forward. That uncertainty is what makes financial goals feel out of reach instead of inevitable.
Wherever You Are Financially, There’s a Path Forward
I offer three focused coaching services, each designed to meet you where you are.
☑ Financial Foundation & Money Management — For the person who wants to understand where their money goes and build a system that actually works. We create clarity, structure, and habits that support long-tern stability.
☑ Debt Strategy & Cash Flow Planning — For the person ready to stop paying debt on autopilot and start eliminating it with intention. We build a realistic payoff strategy and a cash flow plan that puts you back in control.
☑ Mortgage & Credit Readiness — For the person preparing to buy a home. We align your credit profile, finances, and timeline so you apply with confidence, whether it’s your first or your next.
Not sure which one fits you? The free clarity call will tell us both.
One Method. Every Goal.
Whether you’re building a foundation, tackling debt, or preparing to buy a home, the V.A.U.L.T Method™ is the framework behind every coaching engagement.
Reaching your financial goals doesn’t require perfect finances. It simply requires the right strategy.
Using my V.A.U.L.T. Method™, we work through five key areas that determine your financial readiness.
☑ Verify your financial position so you know exactly where you stand. ☑ Adjust your credit strategy so your actions build real, lasting strength, not just your score. ☑ Understand what actually drives financial decisions so you’re no longer guessing. ☑ Leverage your finances correctly so your money works toward your goals, not against them. ☑ Transition into your next financial milestone with confidence and intention.
You don’t have to wonder if you’re doing the right things. You’ll know.
Meet Your Coach
I’m Peta Gaye Francis, founder of Vault & Virtue Financial Coaching.
With over 13 years in financial services, I’ve worked closely with hundreds of hardworking people who were earning, paying bills, and doing their best, yet still felt behind, overwhelmed, or unsure about their next financial move.
What I saw repeatedly was not a lack of discipline, but a lack of clear strategy around how credit and finances are actually evaluated. That gap is what often delays progress and creates unnecessary stress.
My approach is grounded, practical, and judgment‑free. I listen first, then help you understand your position and build a plan that fits your real life, your income, and your goals.
Vault & Virtue reflects how financial guidance should feel: clear, honest, and intentional. I built this from personal experience. I know what it feels like to face a financial system you weren’t taught to navigate. That’s exactly why I do this work.
What People Are Saying
“Peta Francis, I cannot say enough about how kind, understanding, and helpful she was. I am getting old, plus things don’t always click like they used to. Keep people around that care for the customer and that is patient with us.”
— Kathy F
“Working with Peta was one of the best decisions I made since being in business. Even though I have been an entrepreneur for over 20 years she taught this old dog some new tricks. Her suggestions ended up saving me 10s of thousands of dollars over the course of the project I was working on. I’m glad she branched off on her own, because now she can help me to grow my small business to a big one!!”
— Faris S
“Working with Peta Francis is an absolute masterclass in professionalism and dedication. She brings clarity, efficiency, and a deep attention to detail to every project. She consistently finds smart ways to simplify complex work. Her calm approach and commitment to excellence make both the process and results better.”
— Mike Rodriguez
How The Process Works
Getting Started Is Simpler Than You Think
-
Schedule a time that works for you using my calendar.
We start with a conversation to understand your goals, your timeline, and where you’re feeling unsure.
This call helps us figure out exactly what kind of support would move you forward.
-
If we move forward, I review your credit, finances, and overall picture, then build a strategy tailored to your income, lifestyle, and the goals that matter most to you.
You’ll know what matters, what doesn’t, and what to focus on first.
-
As we work together, I help you implement the plan with ongoing support, education, and accountability. You’re never guessing what to do next or whether you’re on track.
The process is structured, intentional, and designed to help you move forward with confidence, not confusion.
Ready to Find Out Where You Stand?
No pressure, just clarity.