Starting fresh
You want a clean system for spending, debt, savings, and the next decision in front of you.
For individuals · couples · families
Money feels lighter when you have a plan.
Practical, judgment-free financial coaching to help you move from stress and scattered decisions to clarity, confidence, and a plan that fits real life.
No shameNo jargonClear next steps
More clarityLess money stress
✓A plan for real life
When money feels heavy
You are not failing. You may just need a clearer way forward.
Financial stress rarely arrives as one neat problem. It can look like bills you avoid opening, goals that keep slipping, uneven income, competing family needs, or the same tense conversation happening again and again.
The work begins with honesty—not judgment. Together, we turn the noise into an organized picture and the picture into a practical sequence of decisions.
No perfect spreadsheet required.Bring the real situation. We will start there.
Built for real households
Planning that meets you where life is.
Whether you are planning solo or making decisions together, the goal is the same: clarity you can use.
Building together
You and a partner want shared language, clearer priorities, and fewer money conversations that go in circles.
Raising a family
Today’s bills, tomorrow’s goals, and everyone’s needs are competing for the same dollars and attention.
Navigating change
A new job, growing family, education choice, loss, or transition has changed the plan—or made one more important.
Choose your runway
Support with a clear shape—and a clear price.
Start with the amount of time and support that fits the season you are in. Each package is educational and coaching-based; you remain the decision-maker.
3-month reset↗
Clear Start
Untangle the immediate questions, create a complete financial snapshot, and leave with a realistic plan you can begin using now.
Individual$1,500
Couple / household$1,800
- Cash-flow and spending plan
- Debt and priority roadmap
- Goals and action workbook
- Guided planning across three months
6-month support↗
Steady Ground
Build the plan, practice the habits, and keep moving through the real-life moments that can knock good intentions off course.
Individual$1,650
Couple / household$2,100
- Everything in Clear Start
- Longer accountability runway
- Benefits and seasonal planning
- Support for shared household decisions
12-month partnership↗
Bright Horizon
Connect today’s choices to the year ahead with ongoing reviews, practical preparation, and space for family priorities to evolve.
Individual$1,800
Couple / household$2,400
- Everything in Steady Ground
- Year-round planning reviews
- Giving and legacy mapping
- Preparation for professional meetings
Need one focused conversation?
Clarity Session
A 90-minute deep dive for one decision, transition, or financial knot you want help untangling.
Individual $450Couple / household $600
Book a Clarity Session ↗
Follow-up sessions are $300 for individuals and $400 for couples or households. After completing a program, Compass Check-ins are available at $75/month for individuals or $100/month for couples or households and include one hour each quarter. Final scope and payment terms are confirmed before work begins.
The bigger picture
Money is not the point. It is one of the tools your family uses to build a life.
That is why the plan begins with people, values, responsibilities, and hopes—not products or someone else’s formula.
How it works
One useful decision at a time.
The process combines thoughtful conversation, practical tools, and follow-through. It stays grounded enough to use and flexible enough to change with your life.
Name what matters
Start with your goals, pressures, relationships, responsibilities, and the life your money needs to support.
See the whole picture
Organize income, spending, debt, savings, benefits, goals, and open questions into one useful view.
Choose the next moves
Prioritize realistic actions, understand the trade-offs, and build a plan that fits your actual capacity.
Keep it working
Use check-ins, practical tools, and accountability to adjust as life changes and momentum grows.
Experience applied
Financial thinking, strengthened by a wider view of people and change.
Ramsey Financial Planning draws on multidisciplinary training in finance, philosophy, organizational development and leadership, and business administration—along with more than a decade of management-consulting work.
That background brings structured analysis, practical strategy, process design, digital tools, and an understanding of what it takes to turn a good idea into a habit that lasts.
What that means for youA plan that respects both the numbers and the humans living with them.
Focused support
Helpful tools around the plan.
These optional educational and organizational services can support a broader coaching engagement.
Financial dashboardFrom $300
A custom Excel-based view that turns scattered numbers into a practical decision tool.
Benefits map$200
Organize workplace benefits, choices, and the questions to take to the appropriate professionals.
Protection worksheet$150–$300
An educational needs-analysis worksheet for life, disability, and umbrella coverage conversations.
Clear boundaries
Know what this work is—and what it is not.
Good planning includes knowing when a different kind of professional is needed.
- Financial coaching and general financial education
- Goal clarification, cash-flow planning, and action prioritization
- Tools, worksheets, systems, habits, and accountability
- Preparation for conversations with licensed professionals
- Individualized investment advice or securities recommendations
- Portfolio management, brokerage, or transaction execution
- Legal, tax, accounting, or insurance advice
- A promise or guarantee of any financial outcome
Take the next step
Your plan can begin with one honest conversation.
Share what feels difficult, what has changed, and what you hope will be different. No polished summary is necessary.
Let's talkFor your privacy, do not include sensitive financial information or documents in email.Good questions
Before we begin.
Plain-language answers about scope, participation, payment, and privacy.
01Is Ramsey Financial Planning an investment adviser?+
No. Ramsey Financial Planning is not registered as an investment adviser and does not provide individualized investment advice, recommend securities, manage portfolios, or execute investment transactions. Any investing discussion is general education only.
02Is this tax, legal, accounting, or insurance advice?+
No. Coaching can help you organize information, understand general concepts, and prepare questions. Decisions requiring tax, legal, accounting, insurance, or investment advice should be made with an appropriately qualified and licensed professional.
03Can my spouse, partner, or family participate?+
Yes. Planning can include the people who share household goals and decisions. When you reach out, describe who you would like involved so the right package and format can be confirmed.
04How does payment work?+
Program prices can be paid in full or through the monthly amounts shown. Scope, timing, participation, and payment terms are confirmed before work begins.
05What should I include in my first email?+
A few sentences about what feels difficult, what has changed, and what you hope will be different are enough. Do not email Social Security numbers, full account numbers, identification documents, tax returns, statements, login credentials, or other sensitive financial information.