Managing money can become complicated even when you earn a good income. A growing family, debt, unexpected expenses, military transition, competing financial goals, or simply not having a clear system can make it difficult to know what to do next. If you are looking for financial coaching in Jacksonville, Florida, Harris Financial Coaching provides personalized financial education and guidance for parents, military veterans, couples, and individuals who want a clearer approach to budgeting, saving, reducing debt, and building long-term financial stability. I am Annette Harris, an Accredited Financial Counselor® and military veteran. Through Harris Financial Coaching, I help clients understand where their money goes, identify what they want their money to accomplish, and develop practical strategies that fit their actual lives. Where Can Parents Get Family Financial Education Coaching in Jacksonville? Parents in Jacksonville looking for family financial education coaching can work with Harris Financial Coaching through personalized online sessions. Family financial education goes beyond creating a household budget. It can include helping parents establish healthier financial habits, determine how much they can realistically save, manage debt, prepare for future expenses, and decide how they want to teach their children about money. At Harris Financial Coaching, family financial education is one of my primary areas of focus. My goal is to help parents improve their own financial foundation while giving them practical ways to introduce budgeting, saving, spending, and other money concepts to their children. Parents often want their children to make better financial decisions than they did at the same age. That starts with making money an ongoing family conversation rather than something children first encounter when they receive their first credit card, student loan, or paycheck. Financial education can also help parents examine the behaviors their children are observing. Children learn about money from what families do as much as from what families say. What Is Financial Coaching and How Does It Work? Financial coaching is a collaborative process that helps people understand their financial situation, establish goals, develop a realistic plan, and follow through on the actions required to make progress. Financial coaching may address budgeting, spending, saving, emergency funds, debt repayment, financial habits, family money conversations, major financial decisions, and long-term financial goals. As an Accredited Financial Counselor®, I combine financial education with an individualized counseling approach. AFCPE explains that an AFC professional can help clients address immediate financial challenges, develop plans based on their individual goals, and establish a sustainable foundation for long-term financial well-being. The process begins with understanding you rather than immediately telling you what to cut from your budget. We look at your income, expenses, debt, savings, financial obligations, priorities, concerns, and goals. From there, we identify the areas that need attention and develop specific next steps. For one person, that might mean finding $500 a month to accelerate credit card repayment. For someone else, it could mean finally establishing an emergency fund. Another client may need help deciding how to balance retirement contributions, debt payments, travel, family support, and everyday spending. The objective is not simply to create a spreadsheet. It is about developing a financial system that you can realistically maintain. Want to learn more about what financial coaching looks like? In this video, Accredited Financial Counselor Annette Harris explains what a financial coach does, how coaching can help, and what you should expect when working with one. How Do I Book Personalized Financial Coaching Sessions in Jacksonville? Jacksonville residents interested in personalized financial coaching can schedule services directly through Harris Financial Coaching. The first step is to visit the Harris Financial Coaching website and select the option to schedule a consultation or begin your financial coaching journey. Before your first financial counseling session, it is helpful to have a general understanding of your monthly income, recurring expenses, debt balances, savings, and the primary financial issues you want to address. You do not need to have everything perfectly organized before asking for help. Organizing the financial picture can be part of the process. During our work together, we identify your priorities and create an action plan tailored to your personal circumstances rather than applying the same financial formula to every household. Financial circumstances are personal. Your plan should be personal too. Ready to get started? Schedule a consultation with Harris Financial Coaching to discuss your financial goals and determine whether personalized financial counseling is appropriate for you. Who Offers Financial Coaching for Veterans in Jacksonville? Harris Financial Coaching provides financial coaching for military veterans and military families, including veterans living in Jacksonville and Northeast Florida. This is an area that is personally important to me because I am also a military veteran. Military service can create financial circumstances that differ from those experienced by many civilian households. Transitioning from military to civilian employment may change income, housing expenses, insurance, retirement planning, benefits, taxes, and the overall structure of the household budget. Veterans may also be balancing civilian income with military or veteran benefits, supporting dependents, preparing children for college, paying down debt, or determining how their benefits fit into their larger financial strategy. Financial coaching can help bring those pieces together. The U.S. Department of Veterans Affairs also recognizes financial well-being as an important part of the military-to-civilian transition and provides financial education and counseling resources for veterans and their families. My work with veterans focuses on helping clients understand their financial picture, create sustainable spending and saving strategies, establish financial goals, and make informed decisions about the resources available to them. How Can I Get Help With Budgeting in Jacksonville, Florida? If you need budgeting help in Jacksonville, Florida, financial counseling can help you create a budget based on how you actually live rather than forcing your finances into a generic formula. A useful budget starts with understanding your income and where your money currently goes. From there, we can separate essential expenses from discretionary spending, identify irregular expenses that may be disrupting the budget, review debt obligations, establish savings priorities, and determine how much money is available for your financial goals. The Consumer Financial Protection Bureau recommends comparing actual income and expenses, establishing future spending targets, reviewing the results, and making adjustments as circumstances change. That last part matters. A budget does not have to work perfectly during the first month. It needs to give you enough information to help you make better decisions during the next month. Sometimes the problem is overspending. Sometimes it is an unrealistic budget. Sometimes expenses have increased while income has remained the same. Sometimes a household has enough income but too many competing goals. Budgeting help should identify the underlying issue rather than simply telling someone to stop spending money. What Can a Financial Counselor Help Me With? Financial counseling can be appropriate when you know you want to improve your finances but are having difficulty determining what should happen first. Clients may seek help to create a budget, develop a debt repayment strategy, build an emergency fund, improve financial communication with a spouse, prepare for a major expense, organize their finances after a life transition, establish stronger saving habits, or create a financial plan for their family. An Accredited Financial Counselor is trained to consider both financial information and the circumstances affecting financial decisions. AFCPE describes the counseling process as gathering information about income, expenses, debt, savings, assets, liabilities, goals, personal values, financial behaviors, and available resources before developing an action plan. That comprehensive approach is particularly important because financial decisions rarely exist in isolation. Financial Coaching for Jacksonville Families Should Be Personal There is no single budget, debt strategy, or savings percentage that works for every Jacksonville household. Your income matters. So do your expenses, family responsibilities, goals, values, lifestyle, debt, benefits, career plans, and the stage of life you are currently navigating. That is why my approach at Harris Financial Coaching begins with understanding the person behind the numbers. Harris Financial Coaching works with parents, couples, individuals, military veterans, and families seeking practical financial guidance. Services include financial foundation building, budgeting, debt reduction strategies, family financial education, and long-term wealth-building education. The objective is not financial perfection. It is having a plan, understanding why you are making each financial decision, and knowing what to do next. Looking for Financial Coaching in Jacksonville, Florida? If you are searching for a financial coach in Jacksonville, need help creating a budget, want financial coaching for your family, or are a military veteran looking for personalized financial guidance, Harris Financial Coaching can help you evaluate where you are today and develop a strategy for where you want to go. You do not have to wait until your finances become a crisis before asking for help. You can begin when you decide you want greater clarity, structure, and intention around your money. Schedule a consultation with Harris Financial Coaching to begin your financial counseling journey. About Annette Harris Annette Harris is an Accredited Financial Counselor® and the founder of Harris Financial Coaching. She provides financial education and personalized financial counseling to individuals, parents, couples, military veterans, and families. Her work focuses on budgeting, debt reduction, saving, family financial education, financial decision-making, and building a stronger financial foundation.

This year, I did something intentional. I read books that helped me understand Black history not as a separate topic, not as something boxed into one month, and not as something disconnected from everyday life. I read these books because history does not stay in the past. It shows up in where people live. It shows up in how schools are funded. It shows up in who gets access to jobs. It shows up in how laws are enforced. It shows up in who gets believed, who gets protected, and who has to keep proving they belong. And it absolutely shows up in money. Wealth. Debt. Homeownership. Credit. Retirement. Medical trust. Career mobility. Family stability. None of that is disconnected from what came before. As an *Amazon Associate, I earn from qualifying purchases from books I have personally read and gained valuable insights from. Why I Chose These Books This was not a lecture. It was a learning log. Each book helped me connect what happened in history to what is still happening today. Some parts surprised me. Some parts made me uncomfortable. Some parts felt familiar because they explained things many of us have seen, experienced, or normalized without having the full historical context. As a financial counselor, I often talk about money through the lens of real life. That means we cannot talk about wealth gaps, homeownership, education, retirement, or financial stability without understanding the systems that shape access to them. Here are the seven books I read and what each one helped me see more clearly. 1. The 1619 Project The 1619 Project was the starting point for this study. This book includes essays that connect slavery to capitalism, democracy, health care, labor, culture, and the economy. It makes clear that slavery was not only a historical event. It became part of the structure of American life. One of the biggest takeaways for me was how much of what we experience today has roots in decisions made centuries ago. When labor was stolen, wealth was created for some, while others were denied ownership, wages, safety, and legal protection. That matters when we talk about the wealth gap today. It also matters when we talk about the stories we were taught. Some parts of American history have been softened, minimized, or left out completely. Reading this book reminded me that we cannot build a stronger financial future without being honest about how the past shaped the present. 2. The Tuskegee Syphilis Study The Tuskegee Syphilis Study is one of the most painful examples of medical abuse in American history. The study began in 1932 and lasted for 40 years. Black men were told they were being treated for “bad blood,” but many were not given the treatment they needed for syphilis. What stood out to me was not only the study itself. It was the impact on families, trust, and generations of medical hesitancy. When people ask why some Black families do not fully trust the medical system, history gives us part of the answer. That distrust did not come from nowhere. It came from real harm, real deception, and real consequences. Understanding this history matters because health and money are connected. Medical mistrust can affect preventive care, treatment decisions, family planning, insurance use, and long-term financial stability. 3. Medical Apartheid Medical Apartheid goes even deeper into the history of medical experimentation and the ways Black people were used in the development of American medicine without consent, dignity, or protection. This book was hard to read. One part that stood out to me was the discussion of medical institutions' use of Black bodies for research and training. The history of grave robbing, medical schools, and experimentation helps explain why some families carried fear around hospitals and medical treatment. This is not about being stuck in the past. It is about understanding why certain fears exist and why trust has to be earned. From a financial perspective, medical history matters because health care decisions can affect household budgets, debt, employment, caregiving responsibilities, and long-term planning. 4. Between the World and Me Between the World and Me is written as a letter from Ta-Nehisi Coates to his teenage son. This book is personal, direct, and heavy. Coates writes about what it means to live in a Black body in America and how fear, policy, violence, and national storytelling shape that experience. One of the most powerful parts of the book is that he does not offer easy comfort. He gives clarity. He writes about growing up in West Baltimore, his family, Howard University, and the larger story America tells about itself. That stood out to me because sometimes we are taught that if people work hard, behave well, and make good choices, everything will be fair. But history tells us that is not always how systems work. This book reminded me that dignity, knowledge, and truth matter. They shape how we parent, how we lead, how we advocate, and how we make decisions for our families. 5. Mediocre Mediocre had me taking breaks. This book is not about who is talented. It is about who gets treated as automatically competent, who gets protected when they fail, and who has to keep proving themselves even after delivering results. That hit me from both a professional and personal lens. Women understand this. Black women often understand it at a deeper level. We are frequently pulled into broken systems and expected to fix the culture, stabilize performance, calm the politics, and deliver results quickly. Then once things start working, the story changes. This book helped put language around a pattern many people recognize. Some people are evaluated as if they are always on probation, even when they are the solution. That has a financial impact, too. Career opportunity, leadership access, compensation, performance evaluation, and wealth-building are all connected. 6. The Color of Law The Color of Law explains housing discrimination through the lens of government action. This book argues that housing segregation was neither a personal choice nor an unfortunate pattern. It was built into laws, policies, lending systems, zoning decisions, and government-backed programs. That matters because homeownership has been one of the main ways families build wealth in America. When Black families were denied fair mortgages, blocked from certain neighborhoods, steered into worse loan terms, or locked out of areas that appreciated in value, the impact did not stop with one generation. It affected equity. It affected school access. It affected safety. It affected retirement options. It affected what families could pass down. As a veteran, this part also stood out to me because people often assume that benefits such as VA loans work the same way for everyone who served. But Black veterans also faced barriers in where they could buy homes, which meant the same service did not always create the same wealth-building opportunity. If you want to understand why the wealth gap persists, this is one of the books I would recommend. 7. Stamped Stamped is a clear and accessible book that helps explain how racist ideas are created, repeated, defended, and turned into policy. One thing I appreciated was how the book explains different ways people have talked about race throughout history. It examines segregationist, assimilationist, and antiracist ideas in a way that helps readers recognize patterns. The book also shows how false narratives were used to justify slavery and how those narratives continued through politics, education, policing, media, and public policy. One part that stayed with me was the discussion of Phyllis Wheatley, the poet who had to prove her own brilliance because people could not accept that a Black girl could be that gifted. That hit me because Black intelligence should not be treated like a surprise. This book also connects well with the documentary 13th, which explores the criminal justice system and mass incarceration. If policy shapes schools, neighborhoods, lending, hiring, and sentencing, then understanding history is part of protecting your household. What Does This Have to Do With Money? A lot. Money is not only about budgeting apps and bank accounts. It is also about access, systems, opportunity, policy, education, property, labor, and protection. When you understand history, you make different decisions. You ask better questions. You advocate differently. You parent differently. You lead differently. You manage your money with more context. You stop blaming individuals for outcomes that were engineered. Financial stability is not the only answer, but it is one practical layer of protection. It gives families more options. It helps people prepare, recover, invest, and make decisions with more clarity. That is why I connect history to financial education. Because the more we understand, the more intentional we can be. What to Do Next Do not try to read everything at once. Pick one book and start there. Choose the book that connects most with the questions you already have. If you are thinking about wealth and housing, start with The Color of Law. If you want a broader foundation, start with The 1619 Project. If you want to understand medical trust, read Medical Apartheid or a book on the Tuskegee Syphilis Study. If you want something that reads quickly but still makes you stop and think, start with Stamped. Then talk about it. Talk with your family. Talk with your children. Talk with your friends. Talk with people who are open to learning. The goal is to understand more clearly and move differently. A Personal Note from Annette Harris As a financial counselor and financial literacy author, I believe money lessons should be practical enough to use in real life. That also means we have to tell the truth about the systems families are navigating. History is not over. It is active. And when we understand that, we can plan with clarity, teach with honesty, and build with intention. Annette has shared financial insight in national outlets, including Word In Black and AFCPE. Ready for more financial clarity? Connect with Harris Financial Coaching to build a plan that fits your real life.

You can work hard, pay your bills, stay out of trouble, and still feel like your family is one emergency away from falling behind. That feeling is real for many households. It is not because Black families do not work hard enough. It is not because they do not care about money. The bigger issue is that many Black families have been trying to build wealth without the same starting point. According to the Federal Reserve’s 2022 Survey of Consumer Finances, the median Black family had about $44,900 in wealth, compared with about $285,000 for the median White family. The gap has narrowed at some points, yet it remains large and persistent. The Census Bureau also reported that White, non-Hispanic households had about 10 times the wealth of households with a Black householder in 2021. That gap affects everyday life. It affects whether a family can help with a down payment. It affects whether college requires debt. It affects whether one emergency becomes a setback that takes months or years to recover from. This conversation matters because history matters. Your next money move matters, too. As an *Amazon Associate, I earn from qualifying purchases from books I have personally read and gained valuable insights from. Income Is Not the Same as Wealth One of the first things we have to understand is the difference between income and wealth. Income is what you earn. Wealth is what you keep. Wealth includes savings, home equity, investments, business ownership, and other assets, minus what you owe. Wealth is what gives a household breathing room. It helps a family get through a hard season without going deeper into debt. It can help someone buy a home, help their children, start a business, or invest for the future. This is why two families can earn similar incomes and still have very different financial realities. One family may have inherited a home, received help with college, or had family support for a down payment. Another family may be earning a good income while also carrying student loans, helping relatives, paying high rent, and managing debt with no inherited cushion. That is not just a personal finance issue. It is a historical and structural issue. The Racial Wealth Gap Did Not Happen by Accident The racial wealth gap was shaped over generations. For generations, Black labor helped build wealth in this country without Black families receiving the benefit of that labor. After slavery ended, Black families were not given the same financial foundation needed to build on equal ground. One example is the promise often remembered as “40 acres and a mule.” In 1865, Special Field Orders No. 15 set aside land for formerly enslaved families, yet that opportunity was later revoked for many of them. The result was that millions of newly freed Black Americans were left trying to build from almost nothing. That matters because wealth compounds over time. When one generation starts with land, property, or assets, the next generation can build from that foundation. When a generation starts with nothing or has assets taken away, the next generation often starts behind. Housing Was One of the Biggest Wealth Builders Homeownership has been one of the clearest ways families have built wealth in America. For many families, a home became more than a place to live. It became equity. It became an asset. It became something that could be refinanced, sold, inherited, or used to help the next generation. Black families were often blocked from that pathway through redlining, discriminatory lending, segregation, and exclusion from neighborhoods where homes appreciated in value. Richard Rothstein’s book The Color of Law explains how government policy helped create and reinforce residential segregation, shaping where families could live, buy homes, and build wealth over time. You can find the book here: The Color of Law. The Federal Reserve History project notes that racially motivated redlining was later banned under the Fair Housing Act of 1968. Still, the damage from those policies continued long after the practice became illegal. This is why the wealth gap still shows up today as family support. It can look like one family receiving help with a down payment while another family has to save every dollar on their own. It can look like one family inheriting a home while another family is still trying to become the first homeowner in the family. Veteran Benefits Did Not Work Equally for Everyone The GI Bill helped many veterans pay for education, buy homes, and build middle-class stability after World War II. Yet Black veterans often faced discrimination from lenders, schools, and local systems that limited their ability to use those benefits in the same way. The National Archives notes that Black veterans were often unable to access mortgage loans in Black neighborhoods and were excluded from buying homes in many White suburban neighborhoods because of prejudice and discrimination. As a veteran and financial counselor, I believe this part of the story matters. Benefits can be powerful, but access matters. A benefit on paper does not create the same outcome if people cannot use it equally in real life. Why the Gap Still Affects Families Today The racial wealth gap is not only about the past. It is about how the past still affects what families can do today. When there is no family cushion, the credit card often becomes the emergency plan. The car repair goes on the card. The medical bill goes on the card. The rent increase goes on the card. Then investing gets pushed back again. This is why so many families feel like they are working hard but not moving forward. A simple way to think about it is like a relay race. Some families have been able to pass a baton of wealth from one generation to the next. That baton helped with college, first homes, businesses, and recovery from mistakes. Many Black families never received that baton. Each generation has had to work harder to reach the same starting line. What You Can Do Right Now History matters, but your next step matters too. You do not have to fix everything at once. You do not have to erase generations of disadvantage in one year. Wealth often starts quietly. It starts with clarity. It starts with one decision, then another. As a financial counselor, I often tell clients that a budget is not punishment. A budget is awareness. You cannot make strong money decisions if you do not know what your money is doing right now. Start by writing down three numbers: Your monthly bills. Your total debt. Your emergency savings. Those three numbers will tell you more about your real starting point than almost anything else. Build a Small Emergency Fund First Do not let the idea of saving three to six months overwhelm you. Start with $500. Then work toward $1,000. A small cushion can stop one emergency from becoming new debt. That matters because debt can quietly take money that could have been used to save, invest, or prepare for homeownership. Attack High-Interest Debt With a Plan High-interest debt can keep eating at your income if there is no strategy. List your debts. Choose one to focus on first. You can start with the highest interest rate or the smallest balance, if that helps you build momentum. The goal is to free up money that can eventually help you build something better. Start Investing, Even If It Feels Small You do not need a large amount of money to begin investing. You can start with a small amount and build the habit. If your employer offers a 401(k) match, learn how it works and consider starting there. If you do not have a workplace plan, you may want to learn about Roth IRAs, low-cost index funds, and other beginner-friendly options. The goal is not perfection. The goal is consistency. Think About Homeownership as a Pathway, Not Pressure Homeownership can be a meaningful way to build wealth, but it should not be rushed. Get prepared first. Work on your credit. Reduce debt. Learn the mortgage process. Research down payment assistance programs. Understand the full cost of owning a home, including insurance, taxes, maintenance, and repairs. The goal is not to buy because you feel behind. The goal is to prepare with intention. The Takeaway The Black-white wealth gap is real. It was shaped by history, policy, housing access, education access, labor exploitation, and unequal opportunities. That does not mean you have no power. It means you need strategy, consistency, and a clear starting point. Start with the three numbers: monthly bills, total debt, and emergency savings. Then build from there. We may not have started on equal ground, but we can still build differently from here. Annette Harris has shared financial insight in national outlets, including Forbes and GOBankingRates. Ready for more financial clarity? Connect with Harris Financial Coaching to build a plan that fits your real life.

Harris Financial Coaching empowers military families and individuals to achieve financial freedom with personalized guidance. Start now! HARRIS FINANCIAL COACHING FINANCIAL FREEDOM STARTS HERE Break the Cycle, Build Your Legacy I help parents, military veterans, and couples transform their relationship with money so they can create the financial future their children deserve. Start Your Journey Learn My Story $750K+ Debt Eliminated 250+ Families Helped As Featured In The Struggle is Real You're working hard but still living paycheck to paycheck. You want to break the cycle of financial stress that's been passed down through generations, but you don't know where to start. There's a Better Way I've been where you are. Through proven strategies and personalized guidance, I help families transform their financial future - one step at a time. How I Help Individuals Like You Three core paths to financial transformation Financial Foundation Building We'll create a sustainable budget, eliminate debt, and build an emergency fund that actually works for your unique situation. Learn More Wealth Building Strategy Once your foundation is solid, we'll focus on building long-term wealth through smart investing and strategic financial planning. Learn More Family Financial Education Teaching your children healthy money habits ensures the cycle of financial struggle ends with your generation. Learn More Real Families, Real Results "Annette has been an incredible guide in helping me with my retirement planning, saving strategies, and investments. She provided the foundation for my monetary portfolio, addressing all of my financial concerns with expertise and care. " Zakiya Bell Young Professional "Annette's time and attention were just what I needed to support me in overcoming the challenges I was experiencing trying to set myself up for a financially sound future. Her approach was so supportive and helped me believe in my abilities to take effective action...I am grateful I got the chance to work with her." Sarah Norris Wife and Mother "We have learned so so much, and after every phone call, I felt entitled to my vows that I had made during our sessions, to complete every task that I was a challenge to accomplish. She never made us feel disappointed in ourselves instead, she continued to counsel us like our past mistakes didn’t happen. " Tisha Tarver Wife and Mother Unlock Your Future Latest Insights Practical strategies for financial transformation Seven Books That Explain Black History’s Impact on America Today I read books that helped me understand Black history not as a separate topic, not as something boxed into one month, and not as something disconnected from everyday life. I read these books because history does not stay in the past. It shows up in where people live. It shows up in how schools are funded. It shows up in who gets access to jobs. It shows up in how laws are enforced. It shows up in who gets believed, who gets protected, and who has to keep proving they belong. Financial Literacy Annette Harris The Real Reason Behind the 10x Wealth Gap Between Black and White Americans You can work hard, pay your bills, stay out of trouble, and still feel like your family is one emergency away from falling behind. That feeling is real for many households. It is not because Black families do not work hard enough. It is not because they do not care about money. The bigger issue is that many Black families have been trying to build wealth without the same starting point. Financial Literacy Annette Harris The Half Has Never Been Told: How Slavery Built America’s Wealth The United States did not become wealthy by accident. That is a hard sentence to sit with, but it is an important one. Wealth does not just appear. It is built through systems, labor, access, ownership, policy, and power. In The Half Has Never Been Told: Slavery and the Making of American Capitalism, Edward E. Baptist makes a clear argument: slavery was not separate from America’s economic growth. It was deeply connected to it. Financial Literacy Annette Harris Read More

Gain financial independence and freedom and decrease the stress and worry of an uncertain financial future today. Gain clarity, insight, and a hopeful financial future. WORK WITH ME Begin Your Journey Towards Financial Independence by Scheduling a Session Today! Coffee Chat How Does Financial Coaching Work? Your Money Problems? A Financial Coach Can Fix Them Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Schedule a Consultation What do you discuss with a financial coach? I believe that everyone deserves to have financial peace of mind, and I'm here to help you get there. We'll discuss a variety of topics based on your particular financial situation, including: Financial planning Debt management Budgeting Retirement planning Investing Insurance And more! How much does monthly financial coaching cost? For monthly financial coaching, I charge $350 for an initial set of two (2) individual one-hour-long sessions , payable in advance. You can choose how often we meet, but I find that meeting every four to six weeks works well for most people. Please note that both meetings must be completed within 90 days. For follow-up meetings, the cost is $175 per session . The cost of semi-monthly and weekly financial coaching sessions will vary depending on the severity of your need. I'm here to help you create a financial plan that works for you and your unique situation. I'll work with you to set goals, develop a budget, and track your progress. I'll also provide the tools and resources you need to succeed. Learn More Client Testimonials Annette was wonderful to work with. Her approach to financial literacy is supportive, professional, and clear. I have a much clearer sense of my financial goals and Annette's support put me on the right track towards financial freedom. I strongly recommend you connect with her if you're curious about how to get a handle on your finances. Aaron Pina Mrs.Harris is passionate in what she does. Very organized and everything she teaches you is resourceful . If you want a road map to financial freedom contact Mrs.Harris ! She is pure greatness!! Shauna Faison Ms. Harris was very professional and helpful in advising me. She responded quickly to me, and stayed in close contact during the entire process. I really do appreciate swift turnaround, and attention to the details of my case. Thank you so much, Annette Harris Consulting!! Christine Hunter Ready to start your financial journey? Schedule a Consultation

Discover personalized financial planning for entrepreneurs to reduce stress and build independence. Achieve your goals now! Services Getting to the Heart of Your Financial Goal Harris Financial Coaching offers customized solutions for individuals seeking financial freedom. Whether online or through personalized sessions, I help military families, parents, and couples break free from financial stress. With over $750K in debt eliminated and 250+ families supported, my services transform lives. Through structured budgeting, wealth-building strategies, and family financial education, Harris Financial Coaching ensures sustainable results. Experience the benefits of expert guidance and start your journey today! Let's Chat! Annette Harris's Debt-Free Journey Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied As you learn about finances, it's also important to teach your children. They will appreciate the valuable lessons you impart. If you have kids and want to educate them about money as they grow, this program is perfect for you. Explore different ways to instill financial knowledge in your children so they can be confident and responsible with money when they are on their own. Resources for Children Parents Money can be a significant source of stress and conflict in relationships, but it doesn't have to be. With financial coaching, couples can learn to communicate effectively about money, set common financial goals, and create a plan to achieve them together. If you're ready to take your relationship to the next level, financial coaching for couples is the perfect place to start. Let's Chat! Couples Military Veterans Transitioning from the military to civilian life can be challenging, and financial matters can be one of the most daunting. At Harris Financial Coaching, we offer financial coaching specifically for veterans, helping you navigate your unique financial situation and achieve your financial goals. As a military veteran, I understand the benefits and challenges of a life-changing transition. If you're a veteran struggling with your finances, don't wait. Let's Chat! Being single gives you complete control over your financial destiny, but it can also feel overwhelming to navigate it alone. Whether you're just starting your career, rebuilding after a major life change, or ready to take your finances to the next level, personalized coaching can help you create a solid foundation. Learn to budget effectively, build an emergency fund, tackle debt, and start investing for your future—all while maintaining the lifestyle you want. Let's Chat! Singles Wealth Building Course Are you ready to get your finances in shape but not sure where to start? Well, this is it! In under an hour, you can find out how to save, budget, and invest your money. It's time to make real progress toward the financial goals and future you want.