Everyone ends up somewhere

and the next step you take matters

Imagine ...

breaking free from payments

working because you love to

not relying on credit cards

spending without guilt

no student loans

having money that makes money

Choose to engage

We equip you to go farther, faster

  • you are unique so your strategies also need to be unique
  • go beyond general opinions & find what really works for you and your personality
  • get your questions answered from someone who wants you to really understand
  • be challenged with action steps that are appropriate to your situation
  • Identify and change mindsets that are sabotaging your efforts
  • Have someone actively support you as you journey toward mastering money

Ready to Engage?

Choose where you want to go

The topics we cover and the speed we go is up to you. Everyone's journey is different which is why we have a variety of modules we can work through together.

Popular Modules:

  • Understanding Financial Terminology
  • Identifying and controlling your how your money flows
  • Designing a spending plan that suits your priorities and the way you think
  • Building an emergency fund for unexpected financial hits
  • Tackling debt or lack of savings
  • Discovering how credit cards really work
  • Building strategies for overcoming marketing traps
  • Learning how to plan and save for a big purchase (e.g. wedding or travel)
  • Comparing house buying vs renting options (and moving forward with the best option)
  • Making and following a plan that gives you the freedom to retire early
  • Understanding how money impacts all areas of life & highlights what we believe

Want Input into Your Numbers?

Feedback from R&J

Part of our process is getting feedback from our clients after working with them for 3 months. R & J gave us permission to share part of their session.

Transform your Relationships...

Make money an area of unity and peace instead of arguments and stress.

  • Understand your personalities, gifts, & talents
  • Have a plan so any weaknesses won't derail you
  • Work together and build a safe place to talk about things that really matter
  • Reach both your personal and family goals faster
  • Be unified on how much to spend, what to save for, and how much to give
  • Never worry about how to pay for something that breaks
  • Be able to eat well, enjoy life, and celebrate together regularly
  • Enjoy an annual vacation together without dreading the bill
  • Turn your 'someday' list into reality

Want to discuss your situation?

money affects relationships

Life Without Money Woes

D & C have been journeying with us since they were engaged. They paid for their honeymoon with cash, went to Europe for their first-year anniversary using cash, and just bought their first house.

  • They are comfortable having hard money conversations
  • They can laugh together about their differences
  • They have a strong WHY & know their priorities
  • Money is an area of unity and peace in their lives

Choose a Proven Coaching Program

We do not sell insurance, investments or other financial products. We focus on behavior change that will help you become intentional, equip you with proven success habits, and provide accountability to follow through.

Common Results* from Coaching

Peace about Finances Within 30 Days

Improved Relationships

$600+ Per Month Average Cash Flow Improvement

Emergency Fund Within 45 Days

Improved Confidence in Money Decisions

Client Tools & Video Modules

Proprietary coaching processes and systems

Online courses

Forms, guides, resources, & support materials

International network of experts we can use

Access to newly developed resources

Our Training & Growth

118+ Training Modules

Extensive Testing & Mentoring

Responsibility & Ethics Pledge

International Financial Coaching Conference

Ongoing Development & Accountability

Uncover Why You Make the Choices You Do

These inner healing sessions are for anyone open to hearing God speak to them about their finances.

  • Find the roots of unhealthy financial cycles
  • Address ideas holding you back in your financial journey
  • Reveal the truth needed for lasting change in your life
  • Plan steps for walking out your healing
  • Break generational money habits & build a powerful legacy

Common Mindsets We Address


Generational Patterns

Feeling Trapped

Debt Dependency


The Inner Critic

Fear of Money

Inner Vows

Financial Lid

Imposter Syndrome

Poverty Mindset

Impulse Spending

Learn the 4 Keys For Mastering Money

Refocus Gain Control Set A Plan Build Capacity

The Financial Wholeness Coaching Package Includes

  • Private Instruction & Support Materials
  • Secure Communication Portal
  • Text/Phone/Email support as needed
  • Financial Inner Healing sessions as needed
  • Purpose Train sessions as needed
  • A Personalized Success Plan
  • Proprietary Resources
    • Planning Forms & Worksheets
    • Groundwork for Mastering Money course
    • The Accountable Assistant Financial Coach (video library)
    • Building Your Legacy Kit course
    • Christ-Centered Stewardship course
    • Resources for parents to educate their kids

Ready to Find Out More?

Frequently Asked Questions

The combination of getting to know you, learning how you work with money, uncovering obstacles and giving you customized tools are something that only a coach can do.

Books, courses and other guidance can only cover the low hanging fruit of financial tips. Coaching provides deep-dive solutions that provide sustainable results and the accountability you need to make it happen.

We will cut through all the generic financial tips, suggestions, and advice to deliver the information that's right for you.

We work with you and your schedule.

Each coaching session is 30-45 minutes long and are held weekly or biweekly, depending on what you need. These set times are mainly for accountability and to help you get traction. You can reach out at any time for additional help.

The starting cost covers the first three months, then monthly payments are set according to your Success Plan.

Because we don't sell insurance or investments, clients find our unbiased approach refreshing.

We focus on education, mindset, behaviour, and habits. Our role is to help you understand the importance of surrounding yourself with wise counsel, answering any questions you may have, discuss options, and have frank conversations about where your choices could lead you. We do not provide advice on products to choose — we arm you with information then you make a decision.

If we determine a need for an educational program, online course, or supplementary program, there may be an additional charge for those services.

While there are some foundational habits and behaviors everyone needs to master, we will adapt the concepts, principles, action items, and resources to your unique needs.

While the tools and resources may be similar from client to client, how they are implemented varies based on your situation.

Most coaching is performed virtually via Zoom but if you are local and have trouble with the technology, we could consider meeting in person.

What happens in a coaching session, stays in a coaching session.

We also don't collect any sensitive personal data (social security number, bank account info, etc.). We do not share your email or any other contact information with any outside agency, vendor, or partner without your approval.

You need to feel safe in the coaching relationship and we do everything we can to make you feel comfortable.

This is a judgment free zone.

Coaching is about moving forward, not beating ourselves up over past mistakes. Regret, embarrassment, and guilt are common feelings clients share with us, but our job is to offer solutions that empower and uplift you.

Our role is to listen, educate, assist, highlight options, support, encourage, challenge, & pray

Our business name reminds us who we are and why we do this. We are happy to share our faith if you ask us to and will honor your preferences if you don’t.

Results vary by client and the effort they put in, but most clients report that ‘peace’ has started even after their first meeting.

It’s also common for our clients to experience improvement in their relationships and sleeping within 45 days.

Financially, clients fully implementing the program report an average improvement of cash flow of $600 per month.

Are We Qualified?


We are active members of Coach Connections, LLC, an industry leading network of financial coaches that has been around since 2009.

This network provides access to a team of the best financial coaches in the world which gives us an endless resource of knowledge and expertise to help navigate anything you can throw at us.

Using the proprietary tools and resources available through the associated Accountable Network allows our clients to move quickly past basic budget and debt reduction conversations to strategic coaching that results in sustainable and transformational growth.

Within the Accountable Network, Kathy develops content and leads the Volunteer Coaching Team for Accountable on Facebook — a free service that provides practical tips, tools, and basic Financial Coaching for people who are interested.

We are also core team members for Financial Sozo™. This is an International financial inner healing ministry with facilitators serving in a variety of countries and languages. This powerful ministry adds an edge to what we can do for our clients and keeps us on the forefront of what is happening and working world-wide.

Kathy is one of the trainers and developers for both the Financial Sozo Network and Purpose Train Mentoring with Stephen K. De Silva Ministries.

Our Journey

From unaware to intentional.

When we met on a midnight scuba dive, Chris was in debt and Kathy was clueless. We didn’t fight about money because we never talked about it. A lot has happened since then, including 3 kids and a complete mindset change for both of us. We embraced Biblical principles for money management and started pursuing a life completely free of debt. The day we paid off our house something was ignited inside us. How we live our lives is weird – it’s intentional, counter-cultural, and gives us freedoms many people will never have. We feel called to impart what we carry onto others so they are also free to do what God is calling them to do – His adventures are amazing and we love playing a part in them.

We'd love to hear your story!

Chris & Kathy Steffan

Not Sure You're Ready?

Try our Free Resources

Sometimes people are just not ready to work with us. That's fine. We have many opportunities for you to start on a healthy financial journey for free. Sign up for a call and we'll help you with ideas for moving forward until you're ready to move to the next level.

Anyone can have a Free Discovery Call

Chris & Kathy enjoying a coaching session Kathy thinking, Chris laughing. Chris & Kathy at the International Financial Coaches Conference. Chris & Kathy laughing with a client. Chris & Kathy checking with each other. Chris & Kathy looking at financial options with clients.

Chris & Kathy Steffan — Biblical Finance

Christ-Centered Stewardship Training

We equip intergenerational communities to break through financial limitations, grow in confidence, and be free to follow God's calling

Individual results may vary. Every person has unique experiences and applies the information in a different way. Thus, the experiences that we share from other people may not reflect the typical clients’ experience or guarantee that anyone will achieve the same or similar results. This publication is designed to provide accurate and authoritative information with regard to the subject matter covered. It is the understanding that the publisher is not engaged in rendering legal, accounting, or other professional advice. If legal advice or other expert professional assistance is required, the services of a competent professional person should be sought. From a Declaration of Principles jointly adopted by a Committee of the American Bar Association and a Committee of Publishers and Associations.


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