How did you get to be a Master Coach for Entrepreneurs and their Money?
I have always been interested in helping people figure out what they want and then helping them get it. I have worked in recruiting, coaching, career counseling and as a birth doula. I have helped people find a particular job, create a positive birth experience or win a race.
When I joined Freedom 55 Financial in 2003, my goal was the same. As a traditional financial advisor and then as a Certified Financial Planner, my job was to help my clients plan for and set up their long term financial planning.
What I found was that the clients I loved to work with – busy families – were so caught up in the day-to-day of their finances that it was very hard for them to plan for the long run. When I made reasonable and helpful recommendations for insurance or investment strategies, they just didn’t know how they would pay for it.
Despite making really great incomes, often $150K – $300K, they were still living pay-cheque to pay-cheque. They felt out of control and overwhelmed. Intelligent people felt stupid when they couldn’t figure out how to make their money work.
So, I helped them with their cash-flow. By sorting out their day-to-day money lives, they could get to their goals – holidays, education savings, home renovations, retirement planning. Families needed help with cash-flow and no one was doing it – not the financial planners, not the accountants and not the banks.
In 2010, I became the first Certified Money Coach with Money Coaches Canada, transitioning fully to my own fee-only practice, focused solely on money coaching. I no longer sell insurance or investments.
I learned pretty quickly that most people’s real challenges around money have nothing to do with money! It is what is going on in their heads – beliefs, patterns and habits.I added the world’s top mind-body tools to my repertoire so I can work with people around the structure of money and the mindset and patterns of money.
I help entrepreneurs make friends with their money – personal and business – more money, better relationships and more fun! I use private client coaching, group programs, training programs and workshops. I have been interviewed for articles in numerous publications including Money Sense Magazine, Globe and Mail and Today’s Parent. (see the media page)
Who are your clients?
I work with people just like you, intelligent, successful entrepreneurs – singes, couples and partners – who, despite making solid revenue, feel out of control with their money. Perhaps you have tried different approaches to make it work and are fed-up with using credit and living sale to sale and feeling like you are never getting ahead. Maybe you have goals that feel reasonable – travel, kid’s schooling, debt-freedom, retirement – and you don’t know how you will reach them.
My clients want to feel confident about managing their money. They want their business to fund their life instead of the other way around.
How are you different from other people in your industry?
I do not sell investments or insurance or offer credit. I am one of the few Money Coaches who work with people at the highest levels of the WHAT of money and the HOW of money.
WHAT – The fundamentals of WHAT to do with your money day-to-day and long term – biz and personal.
HOW – The underlying money patterns, strategies and beliefs that cause you to get in your own way.
My mandate is to get you connected with your money so you can make more, keep more, give more.
Couldn’t I just read a book on money management?
Yup – you sure could. There are a ton of great books out there on financial planning, family finances and money management. You’ve probably even read some of them. Perhaps you have tried to implement the strategies.
How is it working for you so far?
A personalized approach with accountability makes a big difference. Working with an objective third party takes some of the emotion out of looking at your numbers. I can ask questions and point out challenges that you may not be able to see on your own. I help you implement your plan and hold you accountable, adjusting the plan as things change. I will help you see the old beliefs and patterns that are keeping you stuck.
Shouldn’t I wait until I am out of debt before I start working with you?
No way. If you are in debt, you need help now. If you feel embarrassed about your situation, don’t worry – I’ve probably seen worse.
Don’t feel like you have to clean things up to work with me. The messier the better – we’ll work together to set up the systems and strategies to get you going on your goals.
Here’s what a client said about it: “I will not lie and say baring all our dirty little money secrets was easy. In fact we both felt more than a little foolish when our mess was laid out in front of us, but Karen always treated us with dignity and respect.” Brenda C.
My services, products and programs were created for people who are really excited and ready to change how they deal with their money. These programs were created to help clients to take action and put systems in place quickly, creating positive changes in revenue, systems and confidence.
My clients are expected to serious and consistent action. No more excuses, just a very different way of thinking with full support, while you recreate your money life.
What type of person is this program NOT going to work for?
I am selective with whom I work. If I feel that my program is not appropriate, I gently turn people away with an effort to refer them to a more appropriate program or resource.
I don’t work with complainers, whiners, and people who make excuses for not getting their assignments done or who challenge every aspect of the program. Seems fair.
What results can I expect and does your program really work?
Yes! The results my clients see are life changing. With your commitment to the plan and focus on your actions, you can take control of your finances, make more money, meet your goals and have fun creating the life you want.
You can expect to:
- Know what your life actually costs – biz and personal
- Clarify and articulate your goals
- Implement easy-to-use, automated money management systems
- Develop sound spending habits including clear stopping points
- Understand how to make great money decisions
- Set a debt-free date and a plan to achieve it
- Create a common language, improving communication around money
- Change old beliefs and patterns around money
- Feel much more in control and confident about your money life
- Know that managing your money can be fun!
Find out what my clients are saying: Success Stories
How can I get great results, in record time?
Dive in. Ask questions. Work on your action items right away.
Be open and flexible. Be willing to be a bit uncomfortable. Take advantage of the whole program, book your meetings on time, ask for help and schedule your time to implement the plan.
I am already in debt. Should I spend more on your services?
Many families and entrepreneurs spend thousands of dollars each year just servicing debts without getting ahead, with the added enormous emotional costs of shame, blame and feeling out of control.
What it is costing you to be where you are?
- Is your financial situation impacting your relationships, your job opportunities, or your health?
- How much interest are you paying each year? What is the cost of servicing your debt?
With my program, you will get results; a new understanding of yourselves, new ways of looking at things, and tools and techniques that quickly create clarity and calm in your money life. Expect to get the resources you have been looking for and haven’t found until now. That’s what you’re investing in, quick results, in a short period of time and, a more compelling future for you and your family, not just more information.
Karen, based on everything I’ve read and heard about you, I know you’re the one I want to learn from. How do we get started?
Congratulations on making a decision for success! I’m happy to work with you to make friends with your money.
Here’s what you need to do:
- Fill out the Getting Started Questionnaire
- Schedule your complementary call with me at www.schedulewithkaren.com. We will discuss your next steps.
I work with my clients mostly via telephone and on-line meetings unless you are local to my office.
I can’t wait to see you rocking your money life. Let’s get going!
I’m not quite sure I am ready to get started. How can I get to know you better?
Great question! Neither of us know just yet if we are the right fit to work together. I invite you to schedule a complementary call with me at www.schedulewithkaren.com. From there, we will likely book a Needs Assessment to be sure that my style of coaching is right for you.