When to Connect with Financial Professionals? The Power of Coaches, Counselors, and Planners

As a service member or military spouse, you know the importance of being financially ready for whatever life throws your way. From deployments and PCS moves to transitions and new chapters, having a solid grasp on your money is key to thriving in military life. But sometimes, going it alone can feel overwhelming. That’s where financial professionals come in: to provide expert guidance, support, and accountability along your unique money journey.

How do you know when to connect with financial professionals? And which certifications should you look for when seeking financial guidance? You don’t need to wait until you’re a millionaire to work with financial professionals. Through The Edge, you could connect with one for free this month! Today, we’re breaking down the differences between financial coaches, counselors, and planners, and how they can empower you to reach your goals. 

Financial Coaches: Your Money Motivators (Accredited Financial Counselor® (AFC®)) 

Think of a financial coach as your personal cheerleader for your finances. They specialize in helping you identify and overcome money mindset blocks, set achievable goals, and develop positive habits. Coaches, often holding the Accredited Financial Counselor® (AFC®) certification, focus on behavior change and education, empowering you to take control of your finances with confidence. 

Working with a coach is less about technical advice and more about gaining motivation, accountability, and a fresh perspective. They can help you uncover your “why” behind financial goals, break them down into manageable steps, and provide ongoing support to keep you on track. 

Financial Counselors: Experts in Tackling Challenges (Certified Financial Counselor) 

Financial counselors, typically holding the Certified Financial Counselor certification, are trained to help individuals and families navigate specific money challenges, such as budgeting, debt management, and credit issues. These financial professionals provide targeted advice and solutions to help you overcome financial obstacles and get back on solid ground. 

Military life often comes with unique financial stressors, from managing money across deployments to dealing with the expenses of PCS moves. Financial counselors understand these challenges and can provide tailored guidance to help you weather any storm. They can also connect you with military-specific resources and benefits to make the most of your money. 

Financial Planners: Your Guides to Long-Term Success (Certified Financial Planner™ (CFP®)) 

While coaches and counselors focus on short-term goals and challenges, financial planners take a holistic, long-term view of your money. They specialize in creating comprehensive plans that encompass all aspects of your financial life, from saving and investing to retirement, taxes, and estate planning. Many planners hold the prestigious Certified Financial Planner™ (CFP®) designation. 

Working with a planner is about building a roadmap to your ideal financial future. They can help you clarify your big-picture goals, assess your current situation, and develop a personalized strategy to get you there. Planners also provide ongoing advice and adjustments as your life and goals evolve over time. 

Financial Professionals on The Edge 

At GoVA, we believe that everyone deserves access to expert financial guidance. That’s why we’ve teamed up with MQFP (Military-Qualified Financial Planners) to offer 1 free hour coaching session to our top engaged Edge users each month. This partnership connects our military community with vetted professionals who understand the unique financial needs and challenges of military life. 

By working with a coach, counselor, or planner, you don’t have to navigate the complex world of personal finance alone. These professionals can provide the knowledge, tools, and support you need to make informed money decisions with confidence. They’re not there to judge your past financial choices, but rather to empower you to take control of your future. 

Investing in yourself by seeking expert guidance is a sign of strength, not weakness. It shows that you’re committed to enhancing your financial readiness and resilience – key qualities for thriving in military life. 

So whether you’re just starting your money journey or looking to take your finances to the next level, consider partnering with a financial professional. With their support and your commitment, you can achieve financial peace of mind and create a brighter future for yourself and your family. 

At GoVA, our mission is to empower the military community to make informed financial decisions. Join The Edge today to access personalized money tools, resources, and expert guidance to help you navigate your unique financial journey with confidence. 

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About Our Partnership with TowneBank Mortgage

At GoVA, we’re proud to partner with a lender that delivers peace of mind to those who have served and continue to serve our county. Together, GoVA and TowneBank Mortgage are committed to helping our military service members achieve their dreams of homeownership, as well as providing them with valuable resources along the way. As experienced lenders, TowneBank Mortgage understands the need for a quick and easy mortgage process, especially during life’s transitional moments. Headquartered in Norfolk, just miles from the world’s largest naval base, TowneBank Mortgage has had the honor of helping thousands of military families through their VA loan offerings. Their team is knowledgeable about VA products and the local market, and in-house operations allow them to respond to questions and concerns in a timely manner. Together, we can get you to closing in 30 days or less. Trust TowneBank Mortgage and GoVA loans to get you home.

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