Managing finances effectively can feel like an uphill battle. From budgeting and paying off debt to building savings for the future, most people lack formal education in money management. This is where financial coaches come in. They provide personalized guidance, education, and tools to help individuals take control of their financial lives. Unlike financial advisors who focus on investment management, financial coaches address the foundational aspects of personal finance. And with the rise of virtual coaching, access to expert support has become easier than ever. We’ll explore the unique approaches of four impactful services which help individuals and families build financial resilience and confidence.

1. Your Worth Coach

Hanna Morrell, the founder of Your Worth Coach, adopts a holistic approach to financial coaching. For her, it’s not just about creating budgets or financial plans but addressing individuals' deeper relationship with money. She helps clients understand their personal habits, decision-making patterns, and emotional triggers regarding finances.

Hanna’s coaching is tailored to different audiences, including individuals struggling with procrastination or financial anxiety, couples seeking better communication about money, and organizations serving underserved communities. For couples, she introduces the concept of developing a “money language,” which enables them to discuss finances without conflict. Her goal is to help clients fix immediate issues and build lasting confidence in their ability to manage finances independently.

Her services also extend to non-profits, where she collaborates with organizations to develop financial coaching programs that promote literacy and empowerment within their communities. What sets Hanna apart is her collaborative and nonjudgmental method, which encourages clients to actively participate in their progress while providing them with adaptive systems that grow alongside their lives.

2. My Financial Coach

My Financial Coach specializes in providing personalized financial planning for professionals, particularly executives and medical practitioners. Their approach combines one-on-one guidance from Certified Financial Planner® (CFP) professionals with the use of advanced digital technology to streamline and inform the planning process. This unique blend offers clients a holistic view of their finances.

While My Financial Coach does not sell financial products, their service emphasizes leveraging workplace benefits and personal assets to create comprehensive financial strategies. Their coaches help clients with retirement planning, debt management, tax strategies, and risk assessment, among other areas. Clients also gain access to tools that allow for document organization and financial tracking, making long-term planning more manageable.

Notably, My Financial Coach operates mainly as an employee benefit for companies, although individuals can also access its services. Its commitment to unbiased planning means clients receive advice aimed solely at improving their financial well-being without any pressure to purchase products.

3. Thrivent’s Money Canvas

Thrivent’s Money Canvas program stands out for its accessibility because it’s completely free of charge. This initiative aims to help people develop better money habits through a behavioral approach. Participants attend three one-hour virtual sessions, during which a coach works with them on specific areas such as budgeting, debt management, and spending patterns.

One key feature of Money Canvas is its “Color Theory” method, which simplifies budgeting by categorizing money into easy-to-understand groups. This approach is particularly effective for individuals who are intimidated by detailed spreadsheets or traditional budgeting tools. Unlike many financial programs, Money Canvas focuses on small, incremental changes rather than drastic overhauls, making it easier to implement sustainable habits.

Participants leave the program with actionable steps to improve their financial health. Feedback from participants has been overwhelmingly positive, with many claiming the program helped them pinpoint spending leaks and increased their confidence in money management. With its focus on accessible and actionable financial education, Money Canvas redefines what coaching can do for those new to managing their money effectively.

4. The Money Life Coach

Tawnya, also known as The Money Life Coach, brings a deeply personal touch to her financial coaching practice. Having once been buried in debt herself, Tawnya transformed her finances through intentionality and discipline. Her story resonates with her clients today. Her one-on-one coaching programs specialize in helping clients take control of their finances by breaking the cycle of living paycheck to paycheck.

Tawnya focuses on building confidence and clarity for her clients, guiding them through budgeting, debt repayment, and long-term goal setting. Many of her clients report milestone achievements, like paying off significant debt or transitioning from financial instability to feeling financially stable. Tawnya also offers practical resources, such as her Debt Freedom Starter Kit, to help clients take the first steps toward financial independence.

Her coaching style prioritizes relatability and motivation. Whether it’s paying off debt, saving for big goals, or simply knowing where every dollar is going, Tawnya equips her clients with easy-to-implement strategies that make financial stability achievable.

the right guidance, anyone can move from financial stress to financial independence—creating a brighter, more secure future. If you’re ready to make a change, online coaching could be the perfect solution to meet you where you are and help you get to where you want to be.