Personalized Financial Education and Strategy for Real-Life Decisions
PFL Consulting helps young professionals, military families, entrepreneurs and growing families understand their finances, organize their priorities and build a practical financial roadmap—without selling investments, insurance or financial products.
Money coaching for real paychecks
Most of our clients are in their 20s and 30s and have never had someone walk them through their money step by step.
Service-industry workers
Servers, bartenders and stylists with tip income that changes every week.
Young professionals
Starting to earn real money and want a plan before lifestyle creep sets in.
Military and veterans
Service members and veterans making sense of TSP, benefits and transitions.
Small business owners
Founders separating business and personal money and planning for growth.
Growing families
Parents planning for kids, college savings and the next generation.
From a free call to a written plan
The PFL Roadmap
Seven checkpoints from setting a budget to investing in a 401(k) or IRA. Free, interactive, no sign-up. Check off each step and track your progress.
Frequently asked questions
Do you sell investments or insurance?
No. PFL does not sell investments, insurance or financial products and earns no commissions. Our work is education and planning, not individualized investment advice.
How much does it cost?
The first consultation is free and takes 30 minutes. Packages start at $199, and ongoing On-Demand support is $199 per month.
Do you work with clients outside Charleston, SC?
Yes. PFL is based in Charleston, South Carolina, and meets with clients virtually anywhere in the United States.
Our Services
Tailored one-on-one financial guidance package focused on clarity, confidence, and real results. We guide you to make informed decisions and build lasting financial habits.
We Can Cover:
Budgeting & cash flow planning
Debt reduction strategies
Credit education
Investment basics
Goal-based financial growth strategies
What you get:
1 Intro Session (30-min)
3 Financial Strategy Planning Sessions (45-min)
A custom tailored financial strategy roadmap
Gain practical tools, a clear roadmap, and the confidence to take control of your financial future.
Our Small Business Success Package is designed to give entrepreneurs and small business owners the clarity, strategy, and tools they need to start strong, grow sustainably, and maintain financial health. Whether you’re launching a new venture or scaling an existing one, this package delivers structured guidance and actionable strategies to help you reach your goals.
What’s Included
1. Introductory Call – 30 Minutes
We begin with a one-on-one introductory call to understand your business, your vision, and your challenges. This session allows us to align on your priorities and set the foundation for our work together.
2. Three (3) Planning & Strategy Sessions – 45-min Each
These deep-dive sessions focus on:
Startup Strategy – From business model refinement to go-to-market planning, we help you launch with confidence.
Growth Planning – We identify opportunities, streamline operations, and create a roadmap for sustainable expansion.
Financial Health Analysis – Review of current financial standing, cash flow insights, and tailored recommendations to strengthen profitability.
3. Tailored Action Plan
Following our meetings, you’ll receive a customized action plan with practical next steps, strategic recommendations, and performance benchmarks to track your progress.
Who This Package Is For
Entrepreneurs starting a new business
Small business owners seeking sustainable growth
Founders who want a clearer view of their financial health
Outcome: By the end of this program, you’ll have a clear, actionable strategy, a better understanding of your financial position, and the confidence to make informed business decisions.
Tailored one-on-one and Group financial guidance packages focused on military specific, financial and strategic results. We guide you to make informed decisions and build lasting financial habits while leveraging the tools, resources, and benefits unique to our service members.
We Can Cover:
Budgeting & cash flow planning
Thrift Savings Plan strategies
Credit education
Investment basics
Goal-based financial growth strategies
What you get:
1 Intro Session (30-min)
3 Financial Strategy Planning Sessions (45-min)
A custom tailored military focused financial strategy roadmap
Gain practical tools, a clear roadmap, and the confidence to take control of your financial future.
Tailored financial guidance package focused on family and generational wealth planning.
We Can Cover:
Retirement Investment Strategy
College and education planning
Youth budgeting & cashflow education
Real Estate Investment
Goal-based generational wealth growth strategies
What you get:
1 Intro Session (45-min)
3 Financial Strategy Planning Sessions (45-min)
A custom tailored financial strategy roadmap
Gain practical tools, a clear roadmap, and the confidence to take control of your financial future.
Group Workshops | In-Person or Online
Ideal for businesses, schools, nonprofits, or community groups, Financial Foundations Live delivers engaging, educational workshops designed to build financial literacy and inspire action. Through expert-led presentations and interactive sessions, attendees gain practical tools and actionable insights they can use immediately.
Available as single sessions or half-day intensives, these workshops are perfect for employee development programs, student enrichment, or group events focused on financial wellness.
Popular Topics Include:
Budgeting That Works
Building Credit with Confidence
Debt Management Demystified
Investing for Beginners
Financial Planning for Life Transitions
Includes:
Customized 60-minute session starting at $1799
Half-day (3-hour) interactive sessions starting at $3,499
Full-day immersive retreats - starting at $12,000
Q&A time
Follow-up resources for attendees
Ongoing monthly subscription
For clients who want more than a one-time plan — this financial strategy subscription provides continuous access to expert advice and unlimited WebApp learning center access as life and goals evolve. Think of it as having a financial strategist in your corner, available when you need support.
Whether you're navigating new challenges or refining your roadmap, this service ensures you stay aligned, accountable, and in control of your financial growth.
Key Benefits:
No package commitment — what you need, when you need it, at your fingertips
Tailored support for life events, financial pivots, and evolving goals
Trusted, objective guidance — no sales or commissions
What We Can Work On:
Roadmap adjustments and ongoing strategy
Income changes, lifestyle shifts, or new priorities
Investment education and risk assessment
Budget fine-tuning and debt optimization
Preparing for large purchases or transitions
Billing:
$199/mo
Available virtually
