Danial, 35 and a recent MBA graduate is entering the financial industry full-time after having struggling financially for over a decade. Determined not to undertake student loans for his BA, he acquiesced for his Masters as he felt the whole process begin to take its toll, time-wise. Frustrated that he couldn't seem to get life "started" because of the demands on his time and funds, he just wanted to get it over with and begin.  Daniel's decision to apply for student loans has had a serious impact on his financial well-being and he is beginning to question his ability to competently manage his client's funds while he is unable (to his thinking) to manage his own.

During our work together, we examined Daniel's Financial Intelligence - that is, the emotions that he had about money, and in his case, debt, that was causing an issue. Below are some of the reasons why for Daniel, Financial Behavior and Intelligence, mattered to his ultimate success in his field of choice.


While Financial Intelligence, also referred to as Financial Behavior, isn't within the technical framework of Emotional Intelligence, I have found in over a decade of specializing in this area, that our money has everything to do with our emotions - perhaps more than any other life influence. And so, I set about applying the EI framework to my work in Financial Behavior.
We are able to effectively address money behaviors and disorders by apply the EI components below:
  1. Self-Awareness (What are my emotions around money?)
  2. Self-Management (How do these emotions manifest?)
  3. Social Awareness (How does my partner feel about finances?)
  4. Relationship Management (How do we reconcile this?)



Money isn't logical, it's emotional. Money, or rather how we make and spend it, affects how we feel about ourselves, our self-worth, our partner or spouse, our choice of career and our place in society. Money mindfulness is critical to you, your partner or spouse and your your children. Mindfulness is a state of being conscious and aware. Money mindfulness, being truly conscious and aware of how we make, spend and save our money means examining on a deeper level, the emotions, feelings and thoughts that affect that behavior.

We learn based on modeling and our embedded childhood memories are most profound and apt to determine our behavior concerning money. We have all learned lessons in childhood that contribute to our emotions around money and it's importance in our own self-worth. Think back to the comments, even some very off-hand, that your parents said about money that you may have just accepted and not given much thought like: "If you work hard, the money will come.", "Be grateful for what you have.", "You're lucky to have a roof over your head." "Take care of yourself first; no one else is going to." 

However, it's when we examine these scripts in greater detail and recognize the underlying message that we begin to understand their effect on our behavior that may be holding us back from our true potential, like it you work hard, the money will come. Well, yes, but this says nothing about finding your passion and doing what makes you feel alive and vital. The script is limiting by its design. 



We all face, and ultimately conquer, the money transitions in our lives, just like the life transitions we face. And many times, they coincide. Let me share a short story with you: My parents divorced when I was 15; almost overnight my mom went from comfortably middle-class to poverty level. Neither she, nor I, were prepared for the drastic changes that were to follow. In fact we weren't alone; the standard of living for a divorced woman drops an average of 27%. 

What happened to us? We adapted, adjusted, modified our behavior as the situation called for and we overcame these challenges. But ultimately, the fear and insecurity that money came to symbolize has had a lasting effect.



A critical piece to your long-term success, both as an individual and as part of a couple, is your relationship with money: that is, your Financial Behavior and how you feel money should be earned, spent and saved. When your behavior is not in sync with your needs and goals, feelings of disconnect and loneliness can occur. 


Are you a Wealth Advisor, Certified Financial Planner or other finance professional? If so, it's critical that you understand the nuances of Financial Behavior, both personally for yourself and your family, as well as for your clients. 

Developing your "soft skills" and integrating them into your financial planning practice provides you with the expertise to address your client's emotions around money - critical to your servicing and retaining them as long term clients. 

I provide you with very practical skills and easy-to-implement tools for working with your clients and their emotional behaviors towards money including:
  • Integrating your client's past influences that may be shaping their current financial behavior
  • Strategies to help them move past these older, less effective scripts to find a new way of relating to money
  • Earning your client's trust
  • Developing advanced listening skills enabling you to "hear" your client in an empathetic and compassionate way
  • Empowering your client's financial decisions while respecting their prior money scripts, learned in their Family of Origin
  • Understanding life transitions that your client may be experiencing
  • Strategies for working with couples exhibiting different money behaviors and situations (i.e., staggered retirement)
  • Transforming your couple client's relationship so you can help them move past their financial stress and conflicts
  • Communicating your value to your clients in a consistent, clear manner
  • Understanding your own Financial Behavior and how it can affect your work in the financial industry
Here are two ways in which your expertise in Financial Intelligence can substantially increase your level of service for your clients:



Your client's emotions about money figure highly in their decisions and your bottom line. Moving your resistant clients through transformational changes to make a true difference in their life and your relationship with them, is the goal of my consulting.

In my work with wealth advisors and financial professionals, I impart a very unusual concept for most: even those who are comfortable financially face emotions that can be limiting, and lead to resistance and other behaviors, when it comes to investing and planning for retirement, business succession and relationships with adult children. I use a structured, Solutions-Focused approach in my Financial Behavior consulting. With a strong foundation in the emotions and psychology of money, our work together can help you open new doors to client populations of those needing your help including:
  • Women who have been recently widowed making financial decisions that must sustain their income or savings
  • Women who have recently separated or divorced experiencing a financial readjustment
  • Individuals who have experienced past financial mistakes who need to move forward with confidence
  • Individuals experiencing resistance to your financial advice
  • Couples who have different money "goals" and approaches to investing and saving
  • Individuals and couples preparing for retirement and those who may be experiencing a "staggered" retirement



We all have a "money" story: Messages or incidents from our past that inform how we feel about money and how having it (and more to the point) not having, makes us feel about ourselves, and your clients are no different. Their feelings, emotions and thoughts surrounding money can lead to behavior that's sometimes problematic and that can affect your bottom line.

I provide you with the exact blueprint and assessments that help you uncover the core of your clients "money story" affecting how they feel about money, how they prioritize and make decisions about investing, spending, saving, making and sharing it. These thoughts, generational attitudes and beliefs around money were formed long they even realized the importance. My Solutions-Focused approach unearths these clues which, gone unnoticed, can lead to relational issues between your client and yourself as a trusted financial advisor.

Contact me via the form below for a brief consultation to learn how you can enhance your knowledge of the emotions and psychology of money and how it can benefit your work with your clients.


If you're struggling with emotions around your finances (no matter how matter how much you make!) and feel as if you're always taking two steps forward, and one step back, I can help you:
  • Embrace an entrepreneurial mindset (no matter your career or position) that breaks down your financial barriers
  • Make the kind of income that reflects your skills, education and talent
  • Develop expertise that truly reflect of your interests, passions and talents
  • Fearlessly market yourself or your business, private practice
  • Reach your financial potential despite being shy or introverted
  • Identify and eliminate road blocks to your success
  • Overcome resistance to growing your private practice
  • Focus and concentrate on priority tasks; both long and short term


"How can I set up my private practice to be successful?" This was the first question I asked at the open house for my graduate program at The University of San Francisco. I had a vision for this, my second career, after 15 years of owning a software design firm in Silicon Valley: To be as successful in my private practice as I had been as a partner in our firm and my question seemed to me, a pretty logical one. Give me the tools and strategies for this industry and I'll do the rest.  

This concept, to the therapy industry, I soon found out, was as foreign to the world of technology that I inhabited, as night and day. It was assumed that since I had willingly become a "healing professional", I was also to take what amounted to a vow of poverty. This didn't - and still doesn't - align with my goals. One of the areas I decided to specialize in, financial behavior, celebrated one's reaching their monetary goals, whatever that may be, without compromise or guilt. And for us as therapists, especially, honored the investments in time and money that we make in order to help others. I always understood that to help others reach their potential, I had to be financially secure in order to continue my work the way I wanted. Money equals freedom.


Are the limitations you're placing on yourself through your own financial mindset keeping you from a successful private practice? If you feel this might be the case, contact me today; I'm confident I can help you break through the "glass ceiling" you may have erected in order to create the private practice you've envisioned. 

If you feel as a therapist, as the "ultimate entrepreneur", you have a need for feedback, brainstorming and creating a financial strategy that works, I'm confident I can help with the following issues around financial behavior:
  • Gaining financial success in your private practice
  • Ensuring that you're making the income that you need to have a secure future
  • Marketing your services despite being shy or introverted
  • Achieving growth or passive income through books, workshops 
  • Embracing the entrepreneurial "mindset"
  • Confronting any financial behaviors that are standing in your way!
One area of expertise in my own therapy practice is ADHD therapy and consultation for C-Suite executives, managers and professionals such as physicians and attorneys. I understand the challenges that ADHD can present and can help you in:
Identifying your goals for your therapy practice. If you feel this may be contributing to financial issues concerning your practice, please don't hesitate to call me today. I can help you with:
  • Creating a strategy that allows you to meet those goals
  • Handling the intolerance for frustration that accompanies ADHD
  • Maintaining the focus and clarity of mind that will ensure your success
  • Feeling overwhelmed

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