Financial Coaching
We provide Financial Coaching for people in Kitchener-Waterloo and virtually throughout Ontario so they experience confidence, freedom and peace with their money. Whether you are making a career shift, planning for your growing family, rebuilding after separation or divorce, or looking ahead to retirement, we are here to support and guide you toward your financial goals at each life stage.
Meet Our Financial Coaches
Joel and Kaitlin Bromley
Financial Coaches
As financial wellness coaches, Joel and Kaitlin have more than a decade of combined experience walking individuals and couples toward financial peace and confidence. They understand the importance of a supportive, educational and action-focused plan to acheiving your goals. When it comes to money, they have personally freed themselves from more than $2 million of debt, rebuilding a life of relational and financial stability and wholeness.
A 6-Month Financial Coaching Program Designed for You
Our 6-month financial coaching program combines the foundational practices and principles of financial health with personalized coaching based on your needs and goals.
As we work together, you will gain clarity and momentum as you establish systems that move you toward your financial goals.
We have helped clients move from stress to confidence with our results-based program:
- Personalized budgeting and strategy sessions
- Practical debt and goal strategies
- Bi-weekly coaching calls for accountability and progress
- Emotional coaching and support as you realign your finances with your goals and values
- Access and training to establish simple systems that bring order, peace and progress
Financial Coaching During Family Separation or Divorce
Learning to manage finances during family separation or divorce can be challenging – especially if your former spouse was the one who previously handled the money. Our financial coaching helps you assess your finances today and make smart choices for tomorrow. We help people through separation or divorce and specialize in guiding those who are new to financial decision-making.
Our coaching is client-centred and practical. It can include tasks such as:
- Gathering the necessary paperwork for your financial agreement
- Help/advocacy calling financial institutions
- Reassessing current expenses and investments
- Learning financial hacks that will save you money
- Setting up bank accounts
- Transferring utilities to your name
- Reviewing/arranging for insurance coverage
- Establishing credit
- Negotiating lower interest on loans/credit cards
- Re-titling your assets
Coaching Saves You Time, Money & Stress
Managing finances is a skill that doesn’t come naturally to most people. But you can learn to apply solid, practical financial principles at any stage of life that help you avoid costly mistakes, lost time and added stress.
It’s wise to seek the guidance of a financial coach early in adulthood and to revisit your financial goals and practices whenever you experience major life transitions—such as getting married, growing your family, changing careers, managing an inheritance, or planning for retirement.
Our mission is to help reduce the stress and anxiety often associated with finances while helping you develop and execute a financial plan that leaves you informed, equipped and confident.
A New Vision for Your Finances
Financial coaching brings together the power of a new vision for your finances with empowerment through the practical tools you need to become financially savvy. Your coach is there to celebrate your successes and walk you through the challenges you face.
You will learn how to handle and manage your money through the ebbs and flows of life. That means a strategy for:
- What to do with irregular income
- How to pay off debt and stay debt free
- How to save for education, major purchases and your future
- How to prepare for emergencies and protect your family from the unexpected
You will develop a plan of action, tune into your spending habits, tackle myths, and come to develop a sense of peace and confidence in managing your money.
A Client-Centred Approach
You may be feeling grief, anxiety or anticipation as you consider your current financial reality.
Whatever your situation, we want you to know that we honour your feelings and also work with you to restore your sense of hope and peace around your finances.
When you receive financial coaching at By Peaceful Waters, you are treated with personal attention and individuality. Together, we will look at all the factors impacting your finances and equip you to both confidently manage your current situation while positioning you to achieve your future financial goals.
What about the Cost?
If you are facing debt or limited funds, the cost of working with a financial coach may seem out of reach. However, research shows that people who engage with a financial coach experience positive outcomes such as lower debt and increased savings.
Investing in financial coaching is an investment in your future. Right now you can take the first step to shift from financial struggle to success – from debt to financial freedom.
The Parameters of Financial Coaching Services
Financial coaching does not include advice regarding investments or long-term savings plans. Our financial coaches will not give tax or legal advice but may refer you to professionals in those areas.
Coaching & Holistic Care
Parent Coaching
We offer attachment-based and trauma-informed parent coaching for individuals and groups. Raise adaptable, responsible and resilient children using positive discipline tools that leave you both feeling respected.
Financial Coaching
Move from stress to confidence as you gain a new vision for your finances and the practical tools to achieve your goals. Experience personalized coaching that empowers you to access and establish simple systems that bring order, peace and progress.
Spiritual Direction
Grow deeper in your faith and develop your spirituality with the guidance of a Spiritual Director. Hear God’s voice more clearly, become aware of His presence and develop spiritual rhythms that foster greater intimacy with the Divine.