Empower Your Money.

Empower Your Life.

Personalized financial coaching for individuals, couples, and small business owners who want to feel confident and in control of their money.

Transform Your Finances—and Your Future

Are you feeling stuck, stressed, or overwhelmed by your finances?

You’re not alone. At CK Financial Coaching, we provide a judgment-free space to help you break the cycle and gain clarity, confidence, and control.

Our coaching services are tailored for:

  • Individuals in mid-life navigating life transitions

  • Couples who want to align their finances and goals

  • Small business owners managing inconsistent income or scaling growth

We help you create an intentional money plan that supports the life you want—without shame or confusion.

Family of five, including two children, standing on the beach with their backs to the camera, embracing each other, looking at the ocean with waves and clouds at sunset.

We meet you where you are…

Empowering People and Organizations Through Financial Confidence.

  • 1-on-1 Coaching

    Whether you’re managing a household, combining finances with a partner, or running a business, personalized support makes all the difference.

    We work with:

    Individuals – Build confidence, reduce stress, and make your money work for you.

    Couples – Get on the same page and create a financial plan you both feel good about.

    Small Business Owners – Bring clarity to inconsistent income, plan for taxes, and grow with confidence.

  • Employee Financial Wellness

    Money stress follows your team to work—we help you change that. Our programs are designed to support your employees' well-being and improve morale.

    We offer:

    On-site or virtual workshops tailored to your team

    Practical strategies for budgeting, debt, savings, and credit

    Interactive sessions that build confidence

    A financially healthy team is a more productive team.

  • Financial Workshops

    No matter where you're starting, we’re here to help you move forward—with realistic strategies and zero judgment.

    Behind on bills? Let’s make a plan.

    Drowning in debt? You’re not alone—and we have tools that work.

    Want to build savings? We’ll help you set goals that stick.

    Curious about credit? Learn how to use it wisely and build a strong profile.

    Custom workshops available for groups, organizations, and community events.

See How It Works
Two women talking and smiling in a meeting room, one taking notes, with a laptop and a notepad on a wooden table.

Why Work With a Financial Coach?

At CK Financial Coaching, we specialize in providing personalized financial coaching services that are practical, approachable, and rooted in real-world experience.

✅ Tailored Strategies: No cookie-cutter advice—your coaching is built for you
✅ Accountability That Works: We walk with you, every step of the way
✅ Financial Confidence: Learn how to manage your money, not fear it

Whether you're just starting your journey or looking to build on existing systems, we’ll help you move forward with purpose.

Real-Life Experience. Real Results.

HI, I’M CRISTY

After more than 20 years working in banking and finance, I’m thrilled to lean into my passion for personal finance and helping others with money.

As the founder of CK Financial Coaching, I know what it feels like to be unsure about money and overwhelmed by where to start. That’s why I created this space—to help others just like you build a better relationship with their finances through one-on-one support, practical tools, and a deep belief that it’s never too late to change your money story.

A woman with brown hair, wearing a blue blazer and a black top, smiling at the camera against a gray background.

Accredited Financial Counselor | Financial Coach

Have a bias towards action - let’s see something happen now. You can break that big plan into small steps and take the first step right away.
— Indira Gandhi
Kind Words

  • “Cristy Karr has been a God-send to me and has set me on a path to eliminate debt and build wealth. I recommend her services to EVERYONE!”

    — Michelle M.

  • "Coach Cristy took the time to study the details and find ways to make my dollars work for me. She made suggestions where she thought I could improve and we went to work implementing the new strategies such as how to break down my checks to make sure I have enough to get me through."

    — Brian W.

  • “Looking at our existing budget spreadsheet, we went line by line and found ways to get out of the month-to-month negative. This is further evidence that it is very possible to make real time changes for almost immediate results.”

    — Brian R.

Let’s Build Your Financial Confidence—Together

Start with a free consultation. No pressure—just clarity.