Work With Me
You don’t need to have it all figured out before you reach out. You just need to know something has to change.
Whether you’re trying to get a handle on your daily finances, break free from debt, or prepare to buy a home, there’s a place for you here.
Each coaching service is designed to meet you exactly where you are — with strategy, real accountability, and zero judgment.
Not sure which service fits your situation? That’s what the clarity call is for.
Financial Foundation & Money Management
3-4 sessions | 60 minutes each | delivered over 6-8 weeks starting at $797
For the person who wants to understand where their money goes and finally build a system that works.
If you're earning but not building, spending but not tracking, or just feeling like your finances have no real structure, this is where we start. Together we create clarity, organization, and a realistic plan that fits your actual life.
What We Work On: ☑ Understanding your full financial picture ☑ Building a realistic budget aligned to your lifestyle ☑ Organizing your financial accounts and systems ☑ Building habits that support long-term stability ☑ Setting financial goals with a clear path to reach them
This service is best for you if: ☑ You feel like your money disappears but you're not sure where ☑ You've tried budgeting before but nothing has stuck ☑ You want a simple system you can actually maintain ☑ You're starting fresh and want to build the right foundation
No perfection required. Just a willingness to build something better.
Debt Strategy & Cash Flow Planning
4-6 sessions | 60 minutes each | delivered over 8-12 weeks starting at $979
For the person who is tired of making payments and still feeling stuck.
Debt isn't just a financial problem; it's an emotional one. If you're paying every month but the balances don't seem to move, or you feel like there's never enough left over, the problem isn't discipline. It's the absence of a clear strategy. That's exactly what we build together.
What We Work On: ☑ Full picture of your debt: what you owe, to whom, and at what cost ☑ Personalized payoff strategy based on your income and goals ☑ Cash flow analysis so you know exactly what you're working with ☑ Building a plan that reduces debt without sacrificing stability ☑ Education on interest, payoff methods, and avoiding common traps
This service is best for you if: ☑ Debt feels like a ceiling you can't get above no matter how much you pay ☑ You're living paycheck to paycheck and want to break the cycle ☑ You want a realistic payoff plan, not a generic spreadsheet ☑ You're a homeowner managing debt and want a smarter strategy
You don't have to stay stuck. You just need a plan that's built around your real numbers.
Mortgage & Credit Readiness
6-8 sessions | 60 minutes each | delivered over 12-16 weeks starting at $1297
For the person who wants to buy a home and wants to do it right.
Most people who get denied for a mortgage weren't far off. They just didn't know what lenders were actually looking for or what to fix first. This service removes the guesswork and replaces it with a structured plan so you walk into the home buying process prepared, not hopeful.
What We Work On: ☑ Credit profile review and optimization strategy ☑ Understanding what lenders actually evaluate ☑ Debt and cash flow positioning for mortgage approval ☑ Down payment and savings strategy ☑ Building a realistic timeline for your homeownership goal
This service is best for you if: ☑ You're a first-time homebuyer and don't know where to start ☑ You've been denied and want to understand why and what's next ☑ You're planning to buy within the next 6–24 months ☑ You want to walk into the process with confidence, not crossed fingers
You don't need perfect finances. You need the right strategy.
Not Ready to Commit to a Full Program?
1:1 Financial Clarity Session — $97
Sometimes you just need a professional set of eyes on your situation before you decide your next step.
In this focused one-time session, we take an honest look at where you stand, what's working, what isn't, and what you should focus on first.
You'll walk away with: ☑ A clear understanding of your current financial position ☑ Immediate, actionable guidance on your biggest priority ☑ A professional breakdown of your situation
Still Not Sure Where to Start?
That’s completely normal. Most people come to me not knowing which service fits. They just know something needs to change.
The free clarity call is a no-pressure conversation where we talk through where you are, what you’re working toward, and what kind of support makes sense for you.
You’ll leave with direction whether or not we work together.
Book a Free Clarity Call. No pressure. No obligation. Just clarity on where you stand and what your nest steps should be.
Frequently Asked Questions
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Pricing is personalized based on your goals, the level of support you need, and the complexity of your financial situation. Every client receives a customized plan, which is why pricing is discussed during your free consultation.
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Yes. Flexible payment options are available for all programs to make coaching accessible and manageable.
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No. Vault & Virtue Financial Coaching provides credit education and coaching, not credit repair services. I do not:
Dispute items on your behalf
Contact credit bureaus or creditors for you
Instead, I empower you with the knowledge, tools, and strategies to improve your credit profile ethically and sustainably.
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No. All coaching is education‑based. I do not provide:
Investment advice
Recommendations for specific financial products
Tax preparation or tax advice
Legal guidance
Clients should consult licensed professionals for advice specific to their financial, legal, or tax situation.
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Each session is structured, supportive, and focused on your goals. We review your progress, adjust your plan as needed, and work through any challenges together. You’ll always leave with clear next steps and tools to keep moving forward.
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How long does each program take?
Financial Foundation & Money Management: 6–8 weeks
Debt Strategy & Cash‑Flow Planning: 8–12 weeks
Mortgage & Credit Readiness Coaching: 12–16 weeks
Timelines may vary based on your goals and pace.
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Absolutely. Many clients come to me feeling overwhelmed, unsure where to start, or frustrated with past attempts. My coaching is designed to meet you exactly where you are with clarity, structure, and support.
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Yes. All coaching is offered virtually, so I work with clients nationwide. If you're located in the Charleston area, optional in‑person sessions are available and held at a local public library in a private or semi‑private study space. Virtual sessions remain the most convenient option for most clients, but both formats provide the same level of support, structure, and guidance.
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You’re not just getting worksheets or generic advice. You’re getting 13 years of real banking experience, personalized strategy, and a coaching approach rooted in clarity, confidence, and long‑term transformation. My goal is to help you build financial systems that feel calm, organized, and sustainable.
Important Program Information & Disclosures
Program Disclosures
Pricing for all programs is personalized and will be discussed during your free consultation. Vault & Virtue Financial Coaching provides education‑based financial and credit coaching to help clients build healthier money habits, strengthen their financial profiles, and prepare for major financial decisions. We are not a credit repair organization and do not dispute items, contact creditors, or communicate with credit bureaus on your behalf. All coaching is educational in nature and does not constitute financial, investment, legal, or tax advice. Clients should consult licensed professionals for guidance specific to their financial, legal, or tax situation.