I am the proud daughter of immigrant Pilipino parents and a proud UCLA Bruin. We didn’t have a lot of financial resources growing up, but my scrappy parents somehow figured it out with four daughters WHILE they figured out this complex financial system. I know there could be more resources for families like mine who started with very little, so my passion in life is helping others find those resources and build that intergenerational wealth.
I am an Accredited Financial Counselor and Educator (AFC®) with the aspiration to change the world one budget at a time.
I didn’t grow up with a strong foundation of personal finance.
In fact, money was a taboo topic in my family. More often than not, if money was being spoken about, it was being fought about. I also overcame $100,000 worth of debt with large helpings of anxiety and hopelessness along the way. Luckily, I survived that crushing debt and lack of knowledge, but not without patience, humility, and more patience.
If you’re feeling overwhelmed by mounting debt obligations, an unsteady job market, competing priorities, lack of resources, or just stuck in a financial rut, let me help! I’ve been there and back again, so I know how it is. There is no shame in starting over or just barely starting.
I offer affordable financial coaching with understanding, heart, and straight-up action, in all formats like 1-1, couple, and group. I also lead webinar courses for people like me who may not have started with the strongest base of knowledge.
Book a free 30-minute call with me to see how we can work together and help move your situation onward and upward.
Areas of Focus
Budgeting
Budgeting is the bedrock of sound financial literacy. When you can master this skill, it will open so many doors for other aspects in your financial life. We will work together to develop a budget that considers your needs and your wants because let’s face it – what fun is a budget if nothing fun is in it?
Credit and Debt
Credit – you either hate it or love it. And debt – sometimes, we can’t live without it. We will explore how you can use either or both to help build your wealth rather than keep you from it. Just keep in mind, slow and steady wins the race.
Investing
Investing isn’t one-size-fits all, plus there are so many options out there. We’ll explore together what those are and how you can find a portfolio that works for you, your risk tolerance, and your dollar commitment, whether they’re low or high.
Ready to go on your Financial Healing journey?
“Just talking money with you makes me feel braver to face my money fears.”
— Bryan, Current Client.
Financial Healing with Joanne 