Get help reaching your dreams with personal financial coaching

OUR MAYBE'S IN LIFE

We all make financial mistakes--some big, some small.

Maybe we forget to sign up for the 401k plan at work, or pass on it because we don't understand what it is.

Maybe we find ourselves out of cash before our next paycheck or very reliant on credit cards to support a life style we truly can't afford.

Maybe we've gotten outselves into a mountain of debt due to student loans and other costly purchases.

Maybe we just can't figure out how to begin saving, or creating a budget, or paying off debts.

Maybe we need direction in terms of planning.

Maybe we just need help, guidance and support getting onto --and staying on--the right track with our money.

Maybe the answer is Financial Coaching.

Welcome!

"I made what was a simple mistake when started working in my early 20s ---I didn't sign up for my company's robust 401k plan because I didn't take the time to understand what it was, or ask advise. This mistake cost me--in today's dollars -- well over $500,000--a half a million dollars!"

What is Personal Financial Coaching and Why do it

What is Personal Financial Coaching?

Financial Coaching is an approach, a process, to personal financial management. Simply put, it looks at your current financial position in terms of incomes and revenues coming in, and debt and monies going out. It then looks and examines your goals in life as it relates to money, and from there creates an ACTIONABLE PLAN to help you achieve your goals and wants. It also looks at one's behavior towards personal finances.

Another key part of Financial Coaching--just like it is with hiring a personal trainer or some other expert to guide you--is the TRACKING AND ACCOUNTABILITY PART. Without follow through--just like fitness training--results may not not happen as expected without tracking and accountability. It's up to the individual to make the commitment to the plans and action, and a financial coach is there to guide, cheer, and help you stay on track.

Why do Personal Financial Coaching?

What is Personal Financial Coaching?

There's a lot of great reasons to do personal financial coaching. Here's just a few benefits you may derive:

Sense of control and understanding of your financial picture.
Ability to see a path to achieving your life goals related to money such as buying a house, paying for a wedding, paying down/off student debt, retiring one day, etc.
Having choices and possibilities in life!

In a nutshell--Personal Financial Coaching is about EDUCATING, EMPOWERING, and ENCOURAGING YOU!

Cents of Direction LLC

Bernadette Vernon Sellers Founding Principal

I started Cents of Direction LLC because I'm passionate about helping others with their personal money management. I believe money, and control and understanding of money, gives you choices and freedom in life. That's why I started the practice so I could educate and assist others with their money journey.

My background: I spent over 25 years in marketing leadership positions with organizations including IBM & Motorola. I also was VP of Market and Product Development for The American College of Financial Services. I have both an undergrad and grad degree in business, and 2 financial certifications (CFA & NFEC).