Find out what your money is saying about you
DONE-FOR-YOU FINANCIAL PLANS · ONE-AND-DONE
A custom financial plan you can hold in your hands and follow week by week.
For women who don't need more theory or more apps, they need an actual plan, built around their actual paychecks, debts, and goals. Three tiers. One-and-done. No subscriptions, no surprises, no pressure.
Real financial planning.
Built for the middle, not just the wealthy.
Most "financial planning" services are built for people with $250K+ in investable assets. If that's not you, and you make decent money, carry real debt, and just want someone to look at your whole picture and tell you what to do. This is for you. Those in the middle often get ignored when their situation isn't straight-forward, that stops here.
Every plan tier delivers the same core: a written custom strategy you can actually follow. What changes between tiers is the time horizon, the depth of analysis, and the complexity I can take on.
Pick the tier that fits your situation
Not sure? Email heymo@moneytalkswmo.com and tell me where you are. I'll tell you which one fits — or whether a plan is the right move at all.
The Clarity Plan
A complete 2-month plan and budget so you know exactly where every dollar goes.
$200
$100
✓ Welcome letter and full financial snapshot
✓ One-page strategy plan (the centerpiece)
✓ 8-week paycheck-by-paycheck budget
✓ 30-day action list with specific next steps
✓ 30-minute delivery call
Best for: straightforward income, personal finances, "I make good money but I don't know where it goes."
Turnaround: 5-7 business days
The Complete Plan
⭐ MOST POPULAR ⭐
A 90-day plan with a 6-month budget and projections that show your debt-free date.
$400
$200
✓ Everything in the Clarity Plan
✓ 6-month budget showing how it evolves as debts pay off
✓ Projections visual — debt payoff curve, savings growth, milestones
✓ 90-day action roadmap (stabilize → build → optimize)
✓ One written revision round
✓ 60-minute walkthrough call
Best for: full-picture clients who want to see where this is all going. "I want to know my debt-free date and watch the savings grow"
Turnaround: 7-10 business days
Complexity Module
A 12-month plan with long-range projections and strategy for the complicated part of your financial life.
$650
$325
✓ Everything in the Complete Plan
✓ 12-month paycheck-by-paycheck budget (full year)
✓ Extended 12-month projections
✓ One Complexity Module — choose at intake:
→ Tax Catch-Up Roadmap (if you're behind on taxes)
→ Business/Personal Separation Plan (for business owners and 1099 earners)
→ Life Transition Stabilization Plan (divorce, job loss, major change)
Best for: anyone whose overwhelm has a specific source like back taxes, a business bleeding into personal, or a major life transition.
Not in this tier: more than one complexity module, 3-year projections, ongoing month-to-month support, actual tax filing or legal advice. See Coaching if that's what you need.
Turnaround: 10-14 business days
All tiers include a written deliverable, a delivery call, and a complete strategy you can act on the same week. None of them include ongoing support after the engagement closes, that's what coaching is for.
What the plans don't do (and what does)
The plans are strategic, written, one-and-done deliverables. You buy, I build, I deliver in a single call, the engagement closes. That clarity is part of why they work, and why they stay accessible at $200–$650.
Here's what they don't do, and where to go if you need that:
WHAT THE PLANS DON'T DO
— Ongoing accountability or check-ins after delivery
— Coaching through the behavior change as you live it out
— Tax preparation or actual tax filing
— Investment advice, stock picks, or fund recommendations
— Long-range planning beyond 12 months
— Multiple complexity modules (one is the limit)
WHERE TO GO INSTEAD
— Coaching (The Money Reset, $1,800) for the behavior change and ongoing support
— A licensed CPA or EA for tax preparation and filing (we don't offer tax prep yet)
— A licensed financial advisor for investments
— Coaching for long-range strategic thinking and identity-level work
— A combination of two plans over time if you have multiple complex situations to address
Our plans solve your overwhelm with strategy. Coaching solves it with partnership.
How it works
You Inquire
Click "Start Here" on the tier that fits. You'll fill out a short intake form telling me about your situation, your goals, and any complexity you're working with.
I build your plan
You'll get a follow-up intake asking for the documents and details I need (bank statements, debt list, income breakdown). Then I build. Turnaround depends on the tier ranges from 5 to 14 business days.
You Sign & Pay
I'll send back a service agreement and invoice within 1 business day. Pay in full or split it across two payments, your choice. Once that's done, the build clock starts.
We have your delivery call
We meet on Zoom or by phone. I walk you through every page of your plan, answer questions, and make sure you understand the why behind each decision. You leave with the full deliverable and a clear next move.
After the delivery call, the engagement closes. No follow-up emails asking how it's going. If you want a person in your corner while you live the plan out, that's what coaching is for, and you'll know where to find it when you're ready.
Payment Options
Every tier can be paid in full at the start, or split across two payments — half at signing, half before delivery. Same plan, same access, same turnaround.
Questions you might be sitting with:
If your income is straightforward and you mostly need a starting point and a 2-month budget, Tier 1 is likely best. If you want the full 6-month picture with projections that show your debt-free date then Tier2. If your situation has a specific complication (back taxes, a business, variable income, or a major life transition) — Tier 3, because the complexity module is built for exactly that. If you're not sure, email me with one paragraph about your situation and I'll tell you which one fits or whether a plan is the right move at all right now.
No. Some clients come straight to a plan. Some have done the workbook first. Some have taken the quiz and want to skip ahead. The plan stands on its own. The workbook deals with the behavior side of it without coaching.
Tier 1: 5–7 business days from the day I have all your documents.
Tier 2: 7–10 business days from the day I have all your documents.
Tier3: 10–14 business days from the day I have all your documents.
The clock starts when intake is complete, NOT when you pay, so the faster you get me your statements, the faster you have your plan.
Tell me. Small changes (a new bill, a missed paycheck, a financial decision you made between intake and delivery) can usually be folded in without issue. Bigger changes (a job loss, a major life event) might mean we pause and reassess. I'd rather build a plan that fits your real life than push through one that's already outdated.
No. I'm a financial coach, not a licensed advisor or CPA (yet). The Tax Catch-Up Roadmap (Tier 3module) is a strategic roadmap that includes what's owed, what to file, how to set up a payment plan, how to budget for catch-up. But it's not tax preparation. When the time comes for actual filing, we can discuss how to move forward.
The plans are intentionally one-and-done that's what keeps them accessible at $200–$650. If you find yourself wanting ongoing support, that's what coaching exists for. I won't follow up after delivery to see how your progress is; if coaching is the right next move, you'll know, and can setup a discovery call.
Once the build has started (after intake is complete), refunds aren't available, the work is custom and time-intensive. If you change your mind before intake is complete, I'll refund you in full minus a processing fee. The full refund terms are spelled out in the service agreement you sign at the start.
A plan is a written deliverable, strategy on paper, designed for you to act on independently. Coaching is a 3-month partnership, the same strategy work plus the behavior change, the ongoing support, someone in your corner while you live it, constant changes as life happens and pay days pass. Plans are one-and-done. Coaching is sustained. They're different products that solve different problems. Some clients do a plan and never need coaching. Some do a plan first and then come to coaching later. Some skip the plan and come straight to coaching. There's no "correct" path, just the one that fits where you are.
No more guessing, choose your custom plan.
You've been doing the math in your head for long enough. Pick the tier that fits your situation, click "Start Here," and let's get you a plan that's actually built for your life.
If you're not sure which tier, email me. I'll tell you the truth, even if the truth is "you're not ready for this yet."