HER
FINANCIAL CENTS
Emotionally intelligent
financial counseling & planning for
women+ and their partners
for when your financial life just doesn’t make cents
By working with an Accredited Financial Counselor®, you’ll change your relationship with finances for life. Here are just a few of my favorite things that I can help with:
The basics: organizing accounts, creating budgeting systems, and reviewing spending
Paying down and managing debt
Considering, talking to, or combining finances with a partner
Retirement planning including account 401ks vs. Roth IRAs vs. SEP IRAs
Investing strategies ranging from basic to advanced
Building emergency fund and cash accounts
Stock compensation and RSUs
Credit card selection and strategically using rewards
Big purchases, dream vacations, having kids, planning a wedding, and other fun life goals
Negotiations and career changes
Health savings accounts and FSAs
Insurance: health, life, and other
Tough money conversations
what will we do in financial counseling sessions?
In our sessions, we will talk through values, history, and ideas you have about money (don’t worry it’s actually fun!). Our previous experiences and upbringing fully inform how we think about money now and sometimes (most of the time?) it doesn’t serve you or the future you want to create.
We’ll start with the basics. In a few sessions we will:
Get your accounts organized
Look at what the systems you already have in place and if they’re working for you
Identify where you can and want to make changes
And build (or simplify!) your financial systems to make money easier to manage
Once you have a solid foundation (maybe you already do!), we will move into short(er) term goals like:
Spending less than you make
Building an emergency fund
Creating a debt pay down strategy
Where to put extra cash, picking the right retirement accounts, and getting the most from your health insurance and FSAs or HSAs!
And eventually, we’ll get to the longer term goals like:
Investing!
Retirement planning!
Big, fun, life goals like a house, kids, your wedding, or vacations!
We’ll go at the pace that works for you! And my promise to you is to create a grounded, judgment free space where you can be honest about what feels confusing, stressful, or overwhelming.
Why work with me?
I am a bilingual (English/Spanish) Accredited Financial Counselor (AFC®) with over 13 years of experience across the tech sector, social impact programs, and financial empowerment for women, but…
Here’s me, Bronwen, founder of Her Financial Cents on a dream vacation after paying off more than 50k in student debt and car loans, building an emergency fund, saving for retirement, quitting a “big girl” job, saving enough to go on a big vacation to Australia, and launching a new business!
I didn’t grow up in a family that talked openly about money, how to earn it, manage it, or ask for more. Instead, I learned through trial and error, quiet comparison, and a lot of self-doubt. It wasn’t until I had my first “real job” at 25 that I realized I didn’t know how to manage my financial future and that I needed to know more in order to feel financial security.
Money isn’t just math, it’s wrapped up in our values, fears, and sense of security. It’s still one of the last taboos, which makes it easy to feel behind, anxious, or disconnected when it comes to your finances because no one is talking about it. This is where financial counseling comes in. Many clients come to me during transitions like combining finances with a partner, going through a breakup or divorce, or receiving a windfall of cash from an inheritance, vesting company stock, or being the first in their family to earn or manage more money. We talk through what is happening and what it means for your finances, together.
I blend coaching, education, and emotional insight designed to help you understand the why behind your money decisions, not just the numbers. By working with me, in partnership together, we will look at how your beliefs and habits shape your financial life, uncover what’s keeping you stuck, and build systems that reflect your values and priorities and gain skills that will last throughout life. For women+ and their partners, it’s a chance to have honest, judgment-free conversations about what money means in your life and what you want it to support.
And I promise, it’s going to be fun! Your financial future is bright ⭐️