Fresh Start

Your Life & Your Money

Hope

Happiness

Peace

Prosperity

Do you wAnt a Fresh START for your life & your money?

Welcome! I am a Financial Coach with the heart of a teacher.  Money management is a learned skill.  Many of us struggle to manage money.  We were no exception.  We now offer customized coaching programs to help create hope, happiness, peace, and prosperity.  We design a program with you to accomplish your unique goals.  You get a fresh start for your life and your money.

We help you to achieve your goals with confidence while strengthening your life and your marriage.

You might be surprised to learn how many of us make a good living but have little to show for it. We struggle to pay monthly bills, deal with mounting debt, and are paying unnecessary interest payments.  We know because we have been there too.  We did not know how to effectively manage money. We worked hard and had steady incomes but lacked the foundational skills to realize success.   We borrowed money, maxed out cards, and stressed about our situation.  Over time, stress gave way to frustration and arguments which took a toll on our marriage.  We were in a difficult place financially and emotionally until we sought help.  Now we can help you.  We work together to share the tips and techniques that have worked for us for decades.  

Customer Reviews

Joe took us to the next level with our finances! We have never felt so much freedom while also being totally in control of our money. Our future will be... read more

LeAnn Avatar LeAnn
May 10, 2021

What can I say about Joe? He was there to help me at a time when my marriage was falling apart and when I was having to get on... read more

Amanda Vercillo Avatar Amanda Vercillo
February 3, 2021

I have been working with Joe for almost a year. The process of learning to budget was overwhelming to me and Joe was able to simplify it and was... read more

Peter Lough Avatar Peter Lough
December 17, 2020

Joe was a excellent listener who truly cared about more than just getting my finances in order. He lead our sessions with non-judgement, making it easy to feel comfortable being... read more

Liz Garcia Avatar Liz Garcia
March 29, 2021

a special message for you

Coaching programs

FNF Coaching

Our FNF coaching program is customized to help you to solve problems with your money and marriage.  It is designed to meet you wherever you are today and helps to take you to where you want to be. This is an investment in you and your family. 

Elevate

Elevate is our career development program designed to meet your individual goals. Let’s get your career in order by developing skills which really make a difference.  

Recognition

Recognition is our FNF Program at a special rate to recognize our pastors, military members, first responders and single parents for your commitment to our families and communities. 

Relentless

Relentless is our extended coaching program which begins at the completion of FNF.  It provides inspiration and motivation to achieve your longer term goals. 

Gather & Grow

G&G is our group coaching program designed to help you address personal finance topics in a group setting.  Topics such as saving for retirement, insurance, home ownership and more.  

fresh ideas

 new focus

financial health

clients paid

$1.5 Million

Debt Elimination

What is Coaching?

As your Coach, I help you to solve problems and achieve your life and money goals. You can trust me to provide candid, confidential, and personalized attention tailored to your individual goals.  You can build good money habits and a stronger marriage.

What is the Value of Coaching?

Coaching is valuable because it is personal to your needs.  We build a plan together and help you to realize your goals.  Clients improved their financial goals by $1.5M.  Their individual effort and a small investment for this training and education has truly been life changing.

What are Your Goals?

• Be More Confident and Peaceful
• Stronger Money Management
• Strengthen Our Marriage
• Plan for our Future
• Purchase our Dream Home
• Live Comfortably in Retirement
• Build a Small Business
• Increase Charitable Giving
• Resume & Interviewing Skills
• Save Money and Invest
• Learn to Spend Wisely

Can you relate?

which story resonates with you

Robert

Bob’s married, 2 kids.  One heading off to college next year.  He and his wife have good jobs and earn good money.  With a  hefty mortgage payment, 3 car payments and $30,000 in credit card debt, they are stressed.  They have little to no savings and constantly feel like they are one catastrophe from financial ruin.

Mike & Christina

Married for a few years with a toddler and thinking about having another. Neither learned good money management and over the last several years have started blaming each other for their inability to save enough money for a home. Things have grown tense. They are worried and find themselves arguing a lot more.

Danielle

After 28 years, Danielle is now divorced.  In the blink of an eye, she is a single 55 year old women who hasn’t worked in 15 years.  She received a fair settlement from the divorce including the house, but her ex-husband always handled the family finances and she feels like she doesn’t have a clue what to do next or where to begin.

Jonathan

After 18 years with the same company his position was eliminated. He knows he has to reinvent himself but doesn’t know where to start. He’s answered a few digital application ads, but hasn’t updated his resume in years. He’s down on himself and lacks confidence to best present himself in an interview.

affiliations and certifications

Joe Mains

Financial Coach

Email: joe@FreshNewFocus.com

Phone: (330) 391-2573

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