Your financial ally

Get Expert Financial Advice & Achieve Goals With An Experienced Coach That Has Your Back

For many years I have worked with people who are overwhelmed with their finances and feel like they are drowning in debt or have no idea where their money goes from week to week.

I am passionate about helping people feel secure because I know what it feels like to spiral out of control and have to work from the ground up.

The first step is always the hardest, that’s why I’m here to guide you through the Financial Stability Experience.

Navigating your finances can be overwhelming, especially if you’re a parent, military member or spouse, or small business owner. It takes patience and it’s hard to know where to start and what to prioritize.

That’s why I’m here to help.

Financial Stability 101 Virtual Course

In this 4-week course you will build yourself a financial system based on accuracy and adaptability. You’ll find that this budget can grow with you through changing jobs, new family members, and even moving to a new city or country.

That’s because the FSE budget system is designed to last forever.

Learn more about the course on the services page!

let's get coffee

The first step to financial freedom is a 30-minute Free Consultation. We will discuss your current financial situation, what you’re struggling with, and what you want to accomplish most. Together, we will build out a customized plan tailored to your needs and goals.

This meeting can be planned in person or over the phone, or via Zoom, or Facebook messenger. I’m flexible!

Heather Answers Burning Personal Finance Questions

What is a Debt Repayment Plan?

A debt repayment plan isn’t a trademarked, specific formula. It’s simply the plan that you make to change your life. Here are some options for you to choose from to make the best plan for your life.

When Should I get a Credit Card?

Different finance professionals have different views on credit cards and I think that has to do with their audience. I prefer to give people the information to make their own choices, rather than making a blanket recommendation.

When Are Consolidation Loans a Good Idea?

Consolidation loans are a great idea in theory. If you have a high balance of debt with high interest rates, it may be a good idea for you. If you are considering this option, here’s how to do it successfully.

Credit Score 101

Have you ever looked at your credit score and thought, what does that even mean? Is it good? Can I fix it? Here’s an explanation of the 6 factors that affect your credit score, and how you can make them better!

What My Clients Say

"Heather's Financial Stability Experience is excellent. I've always struggled with my finances and it's been a bit of an in-joke in my family that we're all just bad with money. Heather helped me change that perception. She was able to take it slow and help educate me on both the principles and practical tools for better tracking what I do with my money. As I got better she was able to continue assisting me as I looked into more advanced concepts beyond just budgeting. Despite the horror 2020 has been, my wife and I are in the strongest financial position we've ever been. That's only due to help and expertise Heather has provided us."

R.N.

"I can't say enough good things about FSE. I started working with Heather to help me get out of debt and get my spending under control. Now we've been working together for about 2 months, and we're already looking forward to future financial goals and comfortable early retirement. I finally feel in control of my current finances, and my future goals. Setting my budget is actually fun instead of intimidating, and I don't feel like I have to sacrifice the things I want to be responsible with my money. Bonus, my credit score is up 42 points since we started the program!"

R.M.

"Heather helped educate me on some basic financial concepts, and started me on my journey to getting my stuff under control. She was (is) willing to work at my pace, which is a crawl. Heather is super understanding and thoughtful and will explain anything at any level necessary. I highly recommend sitting down and discussing your finances with her."

S.Q.

"Works with you - wherever you are with your money - and helps you move towards where you want to be."

J.H.

"I've been working with Financial Stability Experience for three weeks now. I have never once felt this in control of my finances! I am a natural compulsive buyer that has been barely lucky to pay bill and rent payments. Now, I have been taught financial responsibilities, goals, and budgets that fit my lifestyle. With this new financial acumen, I am planning to go out of the country soon! Thank you for your wonderful knowledge and helping me gain control of my life."

S.C.

"Heather has been a great help to me as both an adviser and, more importantly for me, someone to hold me accountable and help me make sure I'm not repeating my financial mistakes. I would highly recommend her to anyone looking to have better organization or accountability, or generally any financial issues."

R.P

"When I met Heather I didn't even have a savings account! 🤦‍♀️ but randomly on a snowboarding trip I was venting to her about how my bank account was never increasing and she offered to help. Fast forward a couple of years, my husband and I are looking into buying a second house. Thank you Heather for your help!! I highly recommend her services to anybody!"

B.K.

"Heather has helped me and my husband get over our worries about investing. She listened to our financial situation, what we had in our accounts, and what our short and long term plans were. Then we made a financial plan together. She is passionate about finance and helping others with theirs."

D.E.