Every strong financial journey starts with a firm foundation.​

The Foundation coaching level is designed to help you understand where you are today, clarify what matters most to you, and begin building practical financial habits that can support your goals.

Through focused monthly coaching and simple, practical tools, we'll work together to bring greater organization and clarity to your financial life—so you can feel more confident about what to do next.

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This is a good fit for you if:

• You feel overwhelmed or unsure about where to start.

• You want to better understand where your money is going.

• You need help creating a realistic spending plan.

• You're ready to start building better financial habits.

• You have financial goals but aren't sure how to begin working toward them.

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What's Included

• 1 × 30-minute virtual personalized coaching session each month

• Personalized goal-setting and financial priorities

• Foundation financial workbook and practical worksheets

• Financial education tailored to your needs

• Monthly action planning and accountability

• Limited email support during business hours

• Covers on person or a couple with joint checking, savings, and credit card accounts

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Subscription: $75/month (less than the cost of a bottle of water a day)

Once you have a foundation, it's time to build momentum.

The Momentum coaching level is designed for those who are ready to move beyond simply understanding their finances and begin making meaningful progress toward their goals.

Through focused coaching, personalized action steps, and ongoing accountability, we'll work together to strengthen your financial habits, make progress on debt and savings goals, and create a financial plan that works for your life.

This is a good fit for you if:

• You understand the basics but struggle to stay consistent.

• You're ready to actively reduce debt and build savings.

• You want more accountability around your financial goals.

• You need help turning your spending plan into lasting habits.

• You have multiple financial priorities and need help deciding what to tackle first.

• You're ready to move from planning to measurable progress.

What's Included

• 1 × 60-minute virtual or in-person personalized coaching session each month

• Personalized financial goals and action planning

• Momentum financial workbook and advanced coaching tools

• Debt-payoff and savings coaching

• Monthly progress and accountability

• Financial education tailored to your goals

• Business-hours email support

• Quarterly progress review

• Annual financial vision session

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Subscription: $199/month (less than the cost of a daily coffee)

With a strong foundation and growing momentum, you can begin building toward greater financial confidence and possibility.​

The Prosper coaching level is designed to help you take a broader view of your financial life and prepare for the goals and opportunities ahead. We'll explore the decisions, habits, and financial concepts that can help you make informed choices as your circumstances and priorities evolve.

Through personalized coaching and deeper financial education, we'll work together to connect your day-to-day decisions with the future you're working to create.

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This is a good fit for you if:

• You have a handle on your day-to-day finances and are ready to think further ahead.

• You're preparing for major financial goals or life transitions.

• You want to better understand retirement, taxes, risk, or other financial topics.

• You're ready to connect your current financial decisions with your long-term goals.

• You want continued coaching as your financial life becomes more complex.

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What's Included

• 1 × 90-minute personalized coaching session each month

• Comprehensive financial goal review

• Personalized financial roadmap

• Debt and savings strategy coaching

• Cash-flow optimization

• Major financial goal planning

• Quarterly financial progress review

• Customized educational resources

• Business-hours email support

• Annual financial vision and goal-setting session

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Subscription: $225/month (still less than the cost of your daily coffee!)

A meaningful financial journey isn't just about where you are today. It's about the life you're building for tomorrow.​

The Legacy coaching level is designed for those who want ongoing guidance, accountability, and education as they navigate the more complex financial decisions that come with life and changing priorities.

Together, we'll continue to evaluate what matters most, adapt your financial goals, and build the knowledge and confidence you need to make thoughtful decisions about your future. When a decision calls for specialized advice, we'll also help you understand when and how to work with the appropriate financial, tax, insurance, or legal professional, then provide you with a warm referral to someone you can trust.

Legacy is about more than managing money. It's about developing the confidence and skills to make intentional financial decisions that can shape your future and the impact you leave behind.

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This is a good fit for you if:

• You want ongoing, high-touch coaching as your financial life evolves.

• You're navigating significant financial or life transitions.

• You have multiple financial priorities that need to work together.

• You're thinking seriously about retirement, estate planning, or your long-term financial future.

• You value having a trusted coach who can help you stay organized, accountable, and confident in your financial decisions.

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What's Included

• 2 × 60-minute personalized coaching sessions each month

• Comprehensive financial coaching roadmap

• Ongoing goal and priority management

• Debt, savings, cash-flow, and financial habit coaching

• Quarterly comprehensive financial review

• Annual financial vision and planning session

• Priority email support

• Limited business-hours text support

• Customized educational resources

• Access to Wellspring's Professional Referral Network

• Coordination/communication with a client's other financial professionals when appropriate and authorized

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Subscription: $350/month (less than the cost of an $11 daily lunch)