The magazine of MoneyMapCoach
Practice craft, compliance and economics for financial coaches who guide women through midlife money decisions.
Nine articles, each answering one question coaches actually ask, written for the woman running the practice rather than for a search engine.
regulation and compliance
Coaching is unregistered work until you give specific securities advice for compensation. Here is where the Advisers Act line sits, what state registration adds, and how to keep sessions on the safe side.
practical guide
A post divorce budget rests on documents most clients have not gathered yet. This walks the first ninety minutes, from decree obligations and title changes to a spending baseline she will actually recognize.
comparison
Both credentials signal competence to clients and employers, but they differ in coursework, supervised hours, exam structure, cost and renewal. Here is a side by side read for a solo practice.
mistakes to avoid
Most early attrition traces to structural errors in the engagement, not client willpower. These are the common ones: vague scope, too many categories, no early win, and homework that outpaces the household.
case study
A composite engagement traced month by month: a client who cut to part time for an aging parent, the obligations that kept running, and the sequence that returned her to a funded plan.
trends and outlook
Benefits teams keep adding financial wellness, but buying runs through vendors, brokers and EAPs. Here is how those channels are structured and where an independent coach realistically fits.
checklist
A complete intake packet sets scope, consent and data handling before money changes hands. This is the document by document list, what each one has to say, and the order to send them.
numbers and benchmarks
Before pricing, map the cost base. This breaks down the recurring line items of a US solo practice, how each is charged, what drives it up or down, and which are deductible business expenses.
field report
Some balance sheets stop being a budgeting problem. This reports how coaches recognize that point, what they can and cannot say about bankruptcy, and how a clean referral and handoff works.
Almost every practice question in The Coaching Ledger ends up at the same line, the one between unregistered coaching and investment advice you have to register for. The pillar guide maps that line, the state layer on top of it, and how to keep a session on the safe side.
When does financial coaching cross the line into investment advice I have to register for?
Then work outward: the eight other pieces in The Coaching Ledger each take one part of it further, and every one links back here.
