“I highly recommend Nicole for her professional and systematic approach to small-business finances.
I recently engaged Nicole’s services to conduct an assessment of my company’s financial balances, processes and controls. Having grown my business from 1 to 25 employees over the course of 20 years, I was concerned that we had outgrown our original financial processes.
Nicole worked with myself and my staff to uncover all aspects of our processes, and presented a step-by-step plan which we could implement ourselves to improve our processes and give me peace of mind. Her recommendations were useful and practical and she provided meaningful input into the reports I review on a weekly and monthly basis which directly affects how I interpret my bottom line.
I had been considering hiring a full-time controller, but with Nicole’s input and ongoing assistance I decided I don’t need that additional expense. Owning and managing a business can be overwhelming at times, so having access to Nicole’s outsourced expertise gives me comfort and a confidence I didn’t have before.”
Brian Mauch, CEO, BMC Networks, Outsourced IT Services
“I’ve always been deeply uncomfortable about money, and working in the arts most of my life, I managed to avoid having much of it to worry about. But when I received a substantial inheritance, I knew it was time to get help before I did something regrettable.
Nicole helped me organize both my personal and my business finances, giving me systems that were easy for me to follow. She armed me with knowledge and helped me understand and implement concepts like net worth, retirement readiness, cash-flow forecasting, and budgeting. This alone would have been a tremendously valuable service.
But aside from those practical matters, she helped me navigate the complex emotional terrain that had shaped my relationship with money. I untangled a lot of issues around spending and saving, and dealt with plenty of discomfort along the way. I needed some serious handholding and just a smidgen of tough love; in many ways, I felt like a child, learning how to handle money for the first time in my life. It wasn’t easy, and I still have work to do, but Nicole helped me see that I didn’t have to feel ashamed, that I wasn’t alone, and that I could take responsibility for my financial future in a way that was freeing and positive. I can’t tell you how much lighter and happier I feel as a result!
AthenaGrace Financial Services has saved me literally thousands of dollars, and paid for itself many times over. I feel in control of my money—and my future—now, instead of afraid. If you’ve buried your head in the sand about money for whatever reason, do yourself a favour and call Nicole.”
Jenn Farrell, Witness the Fitness – Money Coaching client
“Before we met Nicole we were a married couple with separate finances and no real clarity of our present or future financial picture. We were reluctant to join our finances – perhaps fearing the notion that we might lose some control or independence. Unknowingly, we were slowly but surely paving a path to an out of control debt load and no plan for retirement. More importantly, who knows how it would affect our relationship once everything hit the fan. It’s fair to say we both had different, yet equally unhealthy relationships with money.
To shine some light on our problem: we were bringing home a healthy combined income so this probably made it hard for us to come to terms with the fact that we needed to change and that perhaps we needed help to do so. However, the writing was on the wall – we were not saving any money and our debt load was increasing; something had to change before our relationship suffered and we could not be helped.
We were not looking for someone to just give us a budget, that advice was a dime a dozen. We were tired of advisors telling us to buy this or that product and everything would work out…
Then we met Nicole. Her holistic approach to money coaching was exactly what we needed. She made us see money in a different light and turn it into a tool for a better life.
For the rest of our lives we will be grateful. Nicole helped us realize that combining our finances and facing our challenges together to achieve our goals was the very thing we needed. She also made us come up with our personal and shared dreams together and start carving a path to make those come true.
We now have a completely different outlook on money and a deep sense of freedom. Nicole’s services have paid for themselves almost 10x over in the first 6 months for us. We could not recommend her enough!”
Patrick and Caroline – Money Coaching clients
“I want to thank you so much for your work in putting together my Financial Portrait and my Retirement Readiness Plan. I can’t begin to tell you how important, meaningful and empowering the entire process was for me. I now have confidence that I am on the right path towards financial security and (as the media ads say) towards financial freedom.
I want to commend you for the detail and care you took with my file. You took the time to make sure that all aspects of my budget and income were accurate and that I understood all concepts under discussion. You “ran the numbers” with various inflation rates, pension and return assumptions. This gave me a much greater understanding of the enormous impact of global macroeconomics, and encouraged me to approach my retirement and portfolio management with flexibility of mind.
Your questions, probes, and answers to my concerns were always thoughtful, gentle and comprehensive. Our conversations have been a catalyst for me to examine long held beliefs and to make changes where necessary. I thank you for the follow up telephone calls to the administrator of my pension plan for further clarification, and to me in order to double check points under discussion. You are a professional who makes sure that you have attended to every item on your “To Do” list.
I have worked with a number of financial professionals in the past, however I have not worked with anyone – in the financial realm, or for that matter in any other field – who has taken such care with details and accuracy, or who has worked with such exemplary integrity and personal warmth. You are indeed the best of the best!
I look forward to our yearly updates and will continue to highly recommend your services to my friends and colleagues.”
Brenda – Financial Planning Client
“Thank you for a productive session today… at least I thought it was :) !
I just wanted to let you know that today’s session shifted my thinking on budgeting, spending, evaluating choices, and re-considering priorities in a very hands-on and thoughtful way. As a person who is easily intimidated by finances or anything related to money, I left our session today feeling energized, confident, and ready to take the next steps in creating a positive financial future for myself. The best part was that I felt the next steps were going to be manageable and not overwhelming, and were going to successfully lead me towards “my” bigger picture. Thanks for taking these baby steps with me and allowing me to take these steps in my own stride, yet gently pushing and encouraging me to make those steps larger and more impactful along the way.
I’m finally taking control of my financial future and that will make me sleep better tonight. Yay!
Thank you from the bottom of my heart … and bank statement!”
Judy – After Divorce Money Coaching client
“Prior to seeing Nicole I was afraid to look at my finances. I felt unknowledgeable, confused and overwhelmed. The process with Nicole was empowering, enlightening and took the fear away from looking at my finances on a regular basis. She was warm, kind and empathetic. I didn’t feel judged.
Having Nicole look at my whole financial situation, educate me and help me understand the important areas to focus on gave me clarification, a sense of control and awareness. Also, having a greater understanding of my investments gave me the clarity and confidence to talk with and ask more relevant questions of my financial investor. He now gives me more detailed and informed reports and pays more attention to my investments because he knows I have a better understanding of my portfolio.
Long term, this process has given me the knowledge and confidence of that financially I will be more than okay, I can live the life I want and I am in control. I still think I’m learning and feel that quarterly reviews with Nicole will keep me accountable and on track. The more I learn the more confident I am about my money and my life.”
Fran – After Divorce Money Coaching client