How Much Does Financial Coaching Cost?

You should know what you're investing before you commit to anything. That's sound financial thinking, and sound financial thinking is the whole point. Here is a clear, honest answer.

What Financial Coaching Is, and What It Isn't

Financial coaching is not financial advising. An advisor manages investments and recommends specific financial products. That is a different profession entirely, and it is not what I do. Financial coaching is also not another budgeting app or YouTube playlist. Those tools deliver information. Coaching delivers something different: a structured relationship built around accountability, clarity, and progress toward goals you define.

Here is what working with me involves:

Personalized sessions built around your situation. Every client brings a different income, different obligations, different history with money, and different goals. Sessions are not a curriculum, they are working conversations grounded in where you actually are.

A complete financial picture from day one. Before we plan anything, we look at everything: income, expenses, debt, savings, insurance, giving. Most people have never seen their full financial picture in one place. That clarity alone shifts how decisions get made.

A written plan you understand and own. We build a budget and a strategy that reflects your income, your values, and your goals. Not a template. Not generic advice. A plan you helped construct and can execute without me.

Accountability that sustains the plan. Most people already know what they should be doing with money. The gap is between knowing and doing, consistently, over time, especially when life disrupts the routine. A coach closes that gap.

Between-session support. You have access to me via email or text within my set availability hours throughout our coaching relationship. Financial decisions don't wait for scheduled appointments.

Tools and resources you keep. Budget worksheets, financial snapshots, and planning tools we use together are yours permanently.

The Three Coaching Packages

Britt Coaching Service offers three packages. Each one provides the same quality of coaching; the difference is duration, which determines how much ground we cover and how deeply we work.

Essentials — $750

6 sessions | Bi-weekly | Approximately 3 months

The Essentials package is designed for clients who want a focused engagement; enough time to establish a financial foundation, build a working budget, and create a clear strategy for what comes next. Six sessions provides real structure and real accountability within a defined timeframe.

Investment: $750 ($125 per session)

Growth — $1,350

12 sessions | Bi-weekly | Approximately 6 months

The Growth package extends the coaching relationship long enough to move beyond planning into sustained execution. Six months allows us to work through the inevitable disruptions: the unexpected expenses, the months that don't go as planned, the conversations that need to happen. Then build financial habits that hold under real-world conditions.

This is the package I recommend most often for couples and for clients navigating significant financial transitions.

Investment: $1,350 ($112.50 per session)

Transformation — $1,800

18 sessions | Bi-weekly transitioning to monthly | Approximately 9 months

The Transformation package is for clients who want the full arc, from wherever they are starting to a place of genuine financial confidence. Nine months provides enough room to build the foundation, make measurable progress, develop durable habits, and begin thinking strategically about the longer horizon: wealth building, stewardship, and purpose.

For clients who are already debt-free or further along in their financial journey, the Transformation package also provides the space to work through The Overflow — my advanced coaching framework for families ready to move beyond financial stability into intentional generosity, vision-casting, and long-term legacy planning.

Investment: $1,800 ($100 per session)

Add-On Sessions — $150 per session

For existing or returning clients who have completed a package and want additional support, whether for a specific decision, a life transition, or a periodic check-in. Available to current and past clients only.

A Note on How Sessions Work

All sessions are 60 minutes, conducted via video conference or in person. Every session includes:

- A review of your progress since our last meeting

- Focused work on your current financial priority

- Problem-solving around any challenges that have surfaced

- Clear action steps before our next session

- A follow-up summary email from me within 48 hours

Every session has a purpose, and you leave knowing exactly what your next step is.

Coaching Beyond the Foundation: The Overflow

Most financial coaching content, and most financial coaches, focus almost entirely on getting out of debt. That work matters, and it is a significant part of what I do. But I also work with clients who have already built their financial foundation. Clients who are debt-free, contributing to retirement, and sitting on meaningful margin, but who recognize that financial freedom without intentional direction eventually leads to drift.

The Overflow is the coaching framework I developed for this stage of the journey. It moves through six connected stages. (Roots Generosity, Vision, Rhythm, Reflection, and Ripple) each designed to transform financial margin into something purposeful and lasting.

In the Roots stage, we define your household mission and the non-negotiable principles that govern how your family deploys resources. In Generosity, we build a giving strategy that is joyful and sustainable rather than reactive. In Vision, we attach real dates and real dollar amounts to specific goals. In Rhythm, we create the monthly systems that make execution automatic. In Reflection, we build quarterly course corrections that prevent drift. And in Ripple, we design repeatable practices through which your financial freedom becomes a source of freedom for others. If you are further along in your financial journey and wondering what comes next, or if you sense that your money could be doing more meaningful work than it currently is The Overflow may be exactly the conversation you've been looking for.

Is Coaching Worth the Investment?

This is the real question underneath the pricing question, and it deserves a direct answer. Coaching is worth it when you are ready for it. Ready means you have recognized that information alone has not changed your financial behavior. It means you have tried managing money on your own (the apps, the books, the advice from well-meaning people) and the results have not matched the effort. The missing variable was not more information. It was structured accountability within a relationship where someone knows your specific situation and holds you to the standard you set for yourself.

Here is one way to think about it concretely: if you carry $10,000 in credit card debt at 20% interest, the interest alone costs you $2,000 per year. A coaching engagement that accelerates your payoff timeline can recover its own cost multiple times over. And that calculation only accounts for the financial math. It does not account for the reduction in stress, the improvement in your marriage, or the compounding value of better financial decisions made consistently over years.

Coaching requires your participation. I can build the plan, provide the structure, and hold you accountable, but you have to show up, be honest about your numbers, and do the work between sessions. If you are not in a place where you are ready for that, coaching will not serve you well. If you are ready, I have seen this work transform how people relate to money, and more importantly, how they relate to each other and to the future they are building.

What About Free Resources?

You do not have to spend a dime to start. This blog, my social media content, and the resources I share are all free. If coaching is not the right step right now, whether because of timing, finances, or readiness, please use every free resource I offer. The goal is for you to make progress with money, regardless of how that happens. But if you have been consuming free content for months or years and your financial situation has not materially changed, that is worth examining honestly. What has been missing may not be more content. It may be a coach.

The Discovery Call

Before you make any decision, I offer a free 60-minute discovery call. We discuss where you are financially, what you want your financial life to look like, and what has been standing in the way. I explain how coaching works and what we would focus on together. You ask whatever questions you have. If coaching is a good fit, we talk about getting started. If it is not, I will tell you, and I will point you toward resources that can help. There is no pressure and no obligation.

Ready to take the next step? Book your free discovery call.

Lindsey Britt is a Ramsey Solutions Financial Coach Master Training graduate and the founder of Britt Coaching Service. He coaches individuals, couples, and families toward financial clarity and purposeful stewardship. Britt Coaching Service does not provide legal, tax, accounting, or investment advice. For those specific needs, please consult a licensed professional.