This is where your path to financial freedom begins...

Interactive debt payoff tracker using the avalanche method, with progress visualization, interest savings calculator, and milestone celebrations.

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You. Privacy Policy Do Not Sell or Share My Personal Information LAST UPDATED: January 28, 2023. Harris & Associates Financial Consulting, DBA, Harris Financial Coaching, and the Informed Finance Blog (collectively, the “Company,” “we,” or “us”) want you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with information that we collect through: Websites operated by us from which you are accessing this Privacy Policy (the “Websites”); Our social media pages and apps (collectively, our “Social Media Pages”); HTML-formatted email messages that we send to you that link to this Privacy Policy or other communications with you; and Offline business interactions you have with us. Collectively, we refer to the Websites, Social Media Pages, emails, and offline business interactions as the “Services.” By using our Services, you are accepting the practices described in our Privacy Policy, including our use of cookies and similar online tools If you do not agree to the terms of this Privacy Policy, please do not use our Services. We reserve the right to modify or amend the terms of our privacy policy from time to time without notice. Any changes to this Privacy Policy will become effective as of the “last updated” date set forth above. Your continued use of our Services following the posting of changes to these terms will mean you accept those changes. If you are a resident of California, please see the Additional Information Regarding California Privacy Laws – Notice at Collection of Personal Information. PERSONAL INFORMATION “Personal Information” is information that identifies you as an individual or relates to an identifiable individual. The Services collect Personal Information, including: Name Postal address (including billing and shipping addresses) Telephone number Email address Date of birth or age Payment card data (when you make purchases on our e-commerce Websites) Purchase information Username Social media handles and posts Gender Audio/visual recordings Publicly available political affiliation and activities Household information Race Collection of Personal Information We collect Personal Information in a variety of ways, including: Through the Services. We collect Personal Information through the Services, for example, when you sign up for a newsletter, register an account to access the Services, attend one of our booths, participate in one of our focus groups, direct message us, contact customer service, or make a purchase. From Other Sources. We receive your Personal Information from other sources, for example: publicly available databases; third-party data and analytics providers; third party identity / age verification services; ad networks; social media platforms; joint marketing partners, when they share the information with us; if you connect your social media account to your Services account or interact with social media buttons or widgets on our Services, you will share certain Personal Information from your social media account with us, for example, your name, email address, photo, list of social media contacts, and any other information that may be or you make accessible to us when you connect your social media account to your Services account. We need to collect Personal Information in order to provide the requested Services to you or otherwise facilitate the transactions requested by you. If you do not provide the information requested, we may not be able to provide the Services. If you disclose any Personal Information relating to other people to us or to our service providers in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy. Use of Personal Information We use Personal Information for the following purposes: Providing the functionality of the Services and fulfilling your requests. To provide the Services’ functionality to you, such as arranging access to your registered account and providing you with related customer service. To allow you to complete our telephone and web-based surveys, respond to your inquiries, and fulfill your requests, when you contact us via one of our online contact forms or otherwise, for example, when you send us feedback or request information about our Services or products. To complete your transactions, verify your information, and provide you with related customer service. To send administrative information to you, such as changes to our terms, conditions, and policies. Providing you with our newsletter and/or other materials and facilitating social sharing. To send you marketing related emails with information about our services, new products and other news about our company. To send you information about causes that you may be interested in. To facilitate social sharing functionality that you choose to use. Analyzing Personal Information for business reporting and providing personalized services. To analyze or predict our users’ preferences in order to prepare aggregated trend reports on how our digital content is used, so we can improve our Services. To better understand your interests and preferences, so that we can personalize our interactions with you and provide you with information and/or offers tailored to your interests. To better understand your preferences so that we can deliver content via our Services that we believe will be relevant and interesting to you. Aggregating and/or anonymizing Personal Information. We may aggregate and/or anonymize Personal Information so that it will no longer be considered Personal Information. We do so to generate other data for our use, which we may use and disclose for any purpose, as it no longer identifies you or any other individual. Where we maintain or use de-identified data, we will continue to maintain and use the de-identified data only in a de-identified fashion and will not attempt to re-identify the data. Accomplishing our business purposes. For data analysis, for example, to improve the efficiency of our Services; For developing new products and services; For enhancing, improving, repairing, maintaining, or modifying our current products and services, as well as undertaking quality and safety assurance measures; For identifying usage trends, for example, understanding which parts of our Services are of most interest to users; For operating and expanding our business activities, for example, understanding which products or Services are of most interest to our users so we can focus our energies on meeting our users’ interests. Disclosure of Personal Information We disclose Personal Information: To our subsidiaries for the purposes described in this Privacy Policy. To our third party service providers, to facilitate services they provide to us. These can include providers of services such as website hosting, data analysis, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, auditing, and other services. By using the Services, you may elect to disclose Personal Information. On profiles, posts, and other services to which you are able to post information and content (including, without limitation, our Social Media Pages). Please note that any information you post or disclose through these services, including by tagging us, will become public and may be available to and/or reposted by us, other users, and the general public. Through your social sharing activity. When you connect your Services account to your social media account or interact with social media buttons or widgets on our Services, you will share information with your friends associated with your social media account, with other users, and with your social media account provider. By doing so, you authorize us to facilitate this sharing of information, and you understand that the use of shared information will be governed by the social media provider’s privacy policy. We may also use and disclose Personal Information as we believe to be necessary or appropriate: (a) to comply with applicable law, to respond to requests from public and government authorities, to cooperate with law enforcement, to comply with subpoenas and court orders, and for other legal reasons; (b) to enforce our terms and conditions; and (c) to protect our rights, privacy, safety or property, and/or that of our subsidiaries, you, or others. OTHER INFORMATION “Other Information” is any information that does not reveal your specific identity or does not directly relate to an identifiable individual. The Services collect Other Information such as: IP address (we may also derive your approximate location from your IP address) Unique device identifier Browser and device information Usage data for our Websites and Social Media Pages Information collected through cookies, pixel tags and other technologies Demographic information and other information provided by you that does not reveal your specific identity Information that has been aggregated in a manner such that it no longer reveals your specific identity Collection of Other Information We and our service providers may collect Other Information in a variety of ways, including: Your browser or device. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Mac), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and the name and version of the Services you are using. We use this information to ensure that the Services function properly. Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other traffic data. We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, and to personalize your experience. We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used, and assist us with resolving questions regarding them. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies or other technologies in online advertising to track responses to our ads. We do not currently respond to browser do-not-track signals. If you do not want information collected through the use of cookies, most browsers allow you to automatically decline cookies or be given the choice of declining or accepting a particular cookie (or cookies) from a particular website. You may also wish to refer to http://www.allaboutcookies.org/manage-cookies . If, however, you do not accept cookies, you may experience some inconvenience in your use of the Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs. Pixel tags and other similar technologies. Pixel tags. Pixel tags (also known as web beacons and clear GIFs) may be used to, among other things, track the actions of users of the Services (including email recipients), measure the success of our marketing campaigns, and compile statistics about usage of the Services and response rates. Analytics. We use Google Analytics, which use cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. These services may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to google.com/policies/privacy/partners/ , and exercise the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout Physical location. If you enable location services on your device, we may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. You may opt out of such sharing of your device’s location through your device’s privacy settings, but if you do, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content. Uses and Disclosures of Other Information We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, we may use and disclose it for the purposes for which we use and disclose Personal Information as detailed in this Policy. In some instances, we may combine Other Information with Personal Information. If we do, we will treat the combined information as Personal Information as long as it is combined. SECURITY We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contacting Us” section below. CHOICES AND ACCESS Your choices regarding our use and disclosure of your Personal Information We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt out from receiving marketing-related emails from us on a going-forward basis by clicking on the “Unsubscribe” link in the footer of our emails and following the instructions. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt out of receiving marketing related emails from us, we may still send you important administrative messages, from which you cannot opt out. How you can access, correct or delete your Personal Information If you are a California resident, please refer to the “Additional Information Regarding California” section at the end of this Policy for more information about the requests you may make under California laws. THIRD PARTY SERVICES This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any website or service to which the Services link or embed. Embedded content from third parties may automatically collect information from you when you visit our pages with such content, and any and all information collected by such third parties are subject to their own privacy policies. The inclusion of a link on the Services does not imply endorsement of the linked site or service by us or by our subsidiaries. In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Facebook (including Instagram), Apple, Google (including YouTube), Twitter, Spotify, or any other app developer, app provider, social media platform provider, or operating system provider, including with respect to any Personal Information you disclose to other organizations through or in connection with our Social Media Pages. THIRD PARTY ADVERTISING We use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites or online services. You may receive advertisements based on information relating to your access to and use of the Services and other websites or online services on any of your devices, as well as on information received from third parties. These companies place or recognize a unique cookie or other tracking technology on your browser (including through the use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device that you are using, please visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool . For information about personalized ads through Google Ads, and to learn how to turn off such ads, please visit Google Ads Help . THIRD PARTY PAYMENT SERVICE We may use a third party payment service to process payments made through the Services. If you wish to make a payment through the Services through a third party payment processor, your payment card information may be collected by such third party and not by us, and will be subject to the third party’s privacy policy, rather than this Privacy Policy. We have no control over, and are not responsible for, this third party’s collection, use, and disclosure of your Personal Information. UPDATES TO THIS PRIVACY POLICY The “Last Updated” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on the Services. Depending on the nature of the change, we may contact you by email to inform you of the change or to request your consent to the change. CONTACTING US If you have any questions about this Privacy Policy, please contact us at https://www.harriswealthcoach.com/contact or by email at info@harriswealthcoach.com . Because email communications are not always secure, please do not include credit card or other sensitive information in your emails to us. ADDITIONAL INFORMATION REGARDING CALIFORNIA PRIVACY LAWS - Notice At Collection of Personal Information This notice and the options that follow apply only to residents of California. This section applies only to California residents. In accordance with the California Privacy Rights Act (the “CPRA”), it describes how we collect, use and share personal information of California residents in operating our business, and their rights with respect to that personal information. In the event of a conflict between this section of our Privacy Policy and the rest of our Privacy Policy, this section will take priority for residents of California. Collection of Personal Information We plan to collect, and have collected within the preceding 12 months, the following categories of Personal Information: “Identifiers,” such as name, contact information, online identifiers, and IP address that can reasonably be linked or associated with a particular consumer or household; “Customer Records Information,” or “personal information” as defined in the California consumer records law, such as signature, payment card number, education information, and employment information; “Protected Class Information,” or characteristics of protected classifications under California or federal law, such as sex, gender, age, and race; “Transaction Information,” such as transaction information and purchase history, including purchases considered; “Online Use Information,” or internet and network activity information, such as browsing history and interactions with our website; “Geolocation Data,” such as device location and approximate location derived from IP address; “Audio/Video Data,” or audio, electronic, visual, and similar information, such as call, video, audio/visual, and screen recordings; “Employment Information,” or professional or employment-related information, such as employment status; and “Inferences,” or inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences, and characteristics. “Sensitive Personal Information,” meaning: account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to the financial account; geolocation information accurate within a radius of 1850 feet or less; racial or ethnic origin, religious or philosophical beliefs, citizenship, immigration status, or union membership; the contents of mail, email, and text messages unless we are the intended recipient of the communication; genetic data; Personal Information collected and analyzed concerning an individual’s health, information on medical history, mental or physical health conditions, or medical treatment or diagnosis by a health care professional; Biometric information used for the purpose of uniquely identifying an individual; and Personal Information collected and analyzed concerning an individual’s sex life or sexual orientation. Sources of Personal Information We collect this Personal Information from you and from other categories of sources described in the “From Other Sources” section of our Privacy Policy. Purposes for the Collection, Use, Sharing or Other Disclosure of Personal Information As described above, we may use this Personal Information to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including, for example, to: develop and improve our products and services; personalize, advertise, and market our products and services; conduct research, analytics, and data analysis; maintain our facilities and infrastructure; undertake quality and safety assurance measures; conduct risk and security control and monitoring; detect and prevent fraud; perform identity verification; perform accounting, audit, and other internal functions, such as internal investigations; comply with law, legal process, and internal policies; maintain records; and exercise and defend legal claims. Use of Sensitive Personal Information Unless we request it, we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., social security numbers, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background) on or through the Services or otherwise to us. Disclosure of Personal Information We disclose Personal Information to the following categories of third parties: “Subsidiaries,” for the purposes described in this Privacy Policy. “Service Providers,” such as our trusted third-party service providers, to facilitate services they provide to us, such as internet services, website hosting, survey administration, data analytics, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, marketing, events, auditing, and other services. “Ad Networks,” such as third-party ad networks and online advertising partners to permit them to show you marketing communications. “Social Networks,” when you view or interact with social network platforms or embedded content from social network platforms, who may use the data we share in accordance with their own privacy policies. “Legal Authorities,” such as public and government authorities, including courts, regulators and law enforcement, to respond to requests, as well as to protect and defend legal rights. “Other Parties in Litigation,” such as when we share information in the context of litigation discovery and in response to subpoenas and court orders. The following chart details which categories of Personal Information we disclose to third parties, and the categories of such third parties, for our operational business purposes, including within the 12 months preceding the date this Privacy Policy was last updated. The chart also details the categories of Personal Information that we “share” with third parties for purposes of cross-context behavioral or targeted advertising, and the categories of such third parties, including within the 12 months preceding the date this Privacy Policy was last updated. Other than as set forth in this Privacy Policy, we do not sell or share for cross context behavioral advertising Personal Information as defined under applicable law. We have not engaged in such activities in the 12 months preceding the date this Privacy Policy was last updated. We do not knowingly “sell” the Personal Information of minors under 16 years of age. Retention Period We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include: The length of time we have an ongoing relationship with you and provide services to you (for example, for as long as you have an account with us or keep using our services) and the length of time thereafter during which we may have a legitimate need to reference your Personal Information to address issues that may arise; Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); or Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations). Your Privacy Rights and How to Exercise Them As a California resident, you have certain rights related to your personal information, which are detailed below. We encourage you to invoke these rights if you wish to. Rest assured that we will not discriminate or retaliate against you for doing so. Access This Privacy Policy describes the categories of Personal Information we may collect about you, and how that information is collected, used, and disclosed. We will also provide you with the specific pieces of Personal Information we hold about you, upon your request. Correction If you believe that any of the Personal Information we hold about you is inaccurate you may request that we correct it. You can update some information, like your contact details, yourself by visiting your account page. For other corrections, please contact us as described below. Deletion You may request that we delete the Personal Information we hold about you. Please note that we may need to retain limited amounts of Personal Information after completing your request for legal compliance purposes. Additionally, we may postpone completion of your request when your Personal Information is necessary to fulfill our obligations to you. Opt out of “Sharing” You have the right to opt out of the “sharing” of your personal information. “Sharing” under the CPRA means our disclosure of your personal information to a third party in order to serve you interest-based targeted advertising. It does not encompass disclosing your personal information to a third party for other purposes. We do not sell your personal information in the conventional sense (i.e., for money), but may disclose certain details to our business partners and underwriters, or to vendors that enable us to serve you Limiting Use of “Sensitive Personal Information” You may request to limit the use or disclosure of your Sensitive Personal Information to what is necessary for us to perform our services and provide goods as requested, as authorized by regulations, or as otherwise permitted under the CPRA. To make a privacy request, please visit us at this link or contact us at info@harriswealthcoach.com . We will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Information subject to the request. In some instances, we may decline to honor your request where the law or right you are invoking does not apply or where an exception applies. In some cases, our Privacy Policy might answer your questions in a way that is accurate for you personally. In that case we might send you a copy of our Privacy Policy to answer your questions. We may need to request additional Personal Information from you, such as name, email address, and billing/shipping address, in order to verify your identity and protect against fraudulent requests. If you maintain a password-protected account with us, we may verify your identity through our existing authentication practices for your account and require you to re-authenticate yourself before disclosing or deleting your Personal Information. If you make a request to delete, we may ask you to confirm your request before we delete your Personal Information, and we might retain a back-up of your Personal Information to the extent allowed by applicable law, for example as necessary to preserve the integrity or security of our systems or for other purposes that are aligned with our general consumers’ expectations. You may make a request on behalf of a child who is under 13 years old if you are the child’s parent or legal guardian. To request to opt out of any future sharing of your Personal Information for purposes of cross-context behavioral advertising, visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool. Please note that your opt-out only applies to the browser you use to submit your opt-out, so if you use multiple browsers or devices, you must opt-out on each browser, on each device. Your opt-out is enabled using cookies so once you opt-out, if you delete your browser’s saved cookies on a device, you will need to opt-out again on that browser on that device. Authorized Agents If you are a California consumer and an agent makes a request on your behalf, we may require: Proof of the agent’s registration with the California Secretary of State to conduct business in California. A power of attorney provided to the agent by you pursuant to California Probate Code sections 4121 4130. If you have not provided a power of attorney according to item (2) above: We may require proof that you have provided signed permission authorizing the agent to make a request on your behalf. “Signed” means that the permission has either been physically signed or provided electronically in accordance with the Uniform Electronic Transactions Act, Civil Code 1633.7 et seq. We may require you to: Verify the your own identity directly with us; or Directly confirm with us that you provided your permission to submit the request. If an agent wants to make a request to opt-out of the sale or sharing of your Personal Information on your behalf, we may only ask for the documentation specified in items (1) and (3.a) above. Right to Non-Discrimination You have the right to be free from unlawful discriminatory treatment for exercising your rights under the CCPA. Contact Us If you have questions or concerns about our privacy policies and practices, besides your right to know or right to delete, which are explained above, you may contact us using the information in the “Contacting Us” section above. Last Updated This Privacy Policy was last updated on the “LAST UPDATED” date set forth at the top of this policy. Califori Privacy Policy

Discover financial coaching services to reduce stress and build independence. Learn effective strategies for financial success. 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.

Take our comprehensive financial health quiz to assess your money management skills, budgeting habits, and financial wellness. Get personalized insights and tips from certified financial coach Annette Harris.

The Paycheck Planning Mini-Tool transforms the abstract concept of budgeting into a concrete, actionable plan. Instead of wondering where your money went at the end of the month, you'll know exactly where every dollar is supposed to go before you spend it. The visual feedback and real-time calculations make it easy to adjust and find the right balance for your situation.

As an Amazon Associate, I earn from qualifying purchases. This can include sharing links to products sold by Amazon. The price is the same for you regardless of this link, but Amazon earns less because a small portion is shared with me. By clicking through to Amazon using my link, I receive a commission on your entire purchase during that instance with no added cost to you. Think about it like indirectly supporting financial literacy education! Advertiser Disclosure As an Advertiser, I earn from advertisements that are listed on this site. This can include sharing links to products sold by various advertisers. The offers listed do not represent all accounts or services that are available. By clicking through to an advertiser using my link, I receive a commission on your entire purchase during that instance with no added cost to you. I refer you to products that are similar to what's featured in the articles listed on this site or alternatives I've researched and wholeheartedly endorsed but may not have purchased for myself. I hope to simplify your search by directing you to the product you need during your financial literacy journey. If you have any questions, please do not hesitate to reach out or visit https://paidforadvertising.com/. Disclaimer Any information given on this site or through Harris Financial Coaching is general in nature and does not constitute financial, tax, or legal advice. Disclaimer

Do you have questions about retirement, budgeting, retirement, or need career guidance? Let's get those unanswered questions resolved so that you can get unstuck and reach your goals during a one-hour pick my brain session. Get All Your Financial Questions Answered One Focused Session • Instant Clarity • Zero Ongoing Commitment Perfect for self-directed individuals who need expert guidance without traditional coaching. Eliminate financial stress and confusion in just 60 minutes. Book Your Session Now How Pick My Brain Works A streamlined approach to getting immediate financial clarity and peace of mind 1 Instant Stress Relief & Question Clarity Stop losing sleep over financial decisions. Get immediate answers to your most pressing money concerns in a judgment-free environment. Eliminate financial anxiety and uncertainty Get professional validation for your strategies Address specific blind spots in your knowledge Receive unbiased, expert perspective No sales pitches or product recommendations 2 Comprehensive Topic Coverage Bring any financial question - from investments to debt strategy, retirement planning to major purchases. Your session is completely customized. Investment portfolio review and optimization Debt payoff strategies and credit improvement Retirement and tax planning guidance Major purchase decision support Insurance and risk management advice Budget optimization and cash flow analysi 3 Actionable Results & Follow-Up Walk away with a clear action plan, personalized recommendations, and everything you need to move forward with confidence. Detailed action plan with next steps Personalized resource recommendations Session summary via email Optional session recording Template and tool recommendations Priority-ranked implementation guide Pick My Brain Session Options Choose the format that works best for your schedule and needs Standard Session $179 Perfect for most financial questions and concerns 60-minute focused consultation Unlimited questions during session Personalized action plan Follow-up summary email Resource recommendations Scheduling within 48 hours Get Started Premium Session $269 Popular For complex situations requiring deeper analysis 90-minute comprehensive consultation Pre-session document review Detailed written analysis Session recording included Custom Excel templates/calculators Priority scheduling (24 hours) One follow-up email for clarification Get Started Express Session $89 Quick answers for specific, focused questions 30-minute targeted consultation Up to 3 specific questions Immediate actionable advice Basic resource list Next-day scheduling available Perfect for urgent decisions Get Started Frequently Asked Questions How is this different from traditional financial planning? How is this different from traditional financial counseling? What if I'm not sure what questions to ask? What if I'm not sure what questions to ask? Do I need to prepare financial documents? Do I need to prepare financial documents? Is this session completely confidential? Is this session completely confidential? Anchor 1 Ready to Get Financial Clarity Today? Stop letting financial stress keep you up at night. Get the answers you need and the confidence to move forward. Book Your Session Now ✓ 100% Satisfaction Guarantee • ✓ Most sessions scheduled within 24 hours

Free financial calculators for mortgage payments, compound interest, car loans, and savings goals. Make informed money decisions with our easy-to-use tools and instant results. Mortgage Mortgage Compound Interest Car Loan Savings Compound Interest Car Loan Savings Calculator

As an Amazon Associate, I earn from qualifying purchases. This can include sharing links to products sold by Amazon. The price is the same for you regardless of this link, but Amazon earns less because a small portion is shared with me. By clicking through to Amazon using my link, I receive a commission on your entire purchase during that instance with no added cost to you. Think about it like indirectly supporting financial literacy education! Amazon Associate As an Amazon Associate, I earn from qualifying purchases. I try my best to provide you with helpful information relating to financial literacy. This can include sharing links to products sold by Amazon. The price is the same for you regardless of this link, but Amazon earns less because a small portion is shared with me. By clicking through to Amazon using my link, I receive a commission on your entire purchase during that instance with no added cost to you. Think about it like indirectly supporting financial literacy education! I promise to only refer you to products that I have personally used, books I have read, or alternatives I've researched and wholeheartedly endorsed but may not have purchased for myself. I hope to simplify your search by directing you to the product you need during your financial literacy journey. If you have any questions, please do not hesitate to reach out.

Meet Annette Harris, Accredited Financial Counselor and U.S. Army veteran who achieved debt freedom in her 30s. Get proven strategies for financial independence from a trusted coach who's lived the transformation herself. Serving military and civilian clients nationwide. Meet Annette Your Guide to Financial Freedom & Life Transformation Annette Harris is more than a financial coach—she's a catalyst for change. As an Accredited Financial Counselor, Certified Financial Fitness Coach, children's book author, and Human Resources expert, she brings over 15 years of proven success in helping people break through financial barriers. A proud U.S. Army veteran and founder of Harris Financial Coaching, Annette didn't just learn about financial freedom—she lived it. She achieved complete debt freedom and financial independence in her 30s by paying off her 30-year mortgage in just 8.5 years. 🎯 Ready to Transform Your Financial Future? Annette has guided both military and civilian clients past the obstacles that keep them stuck. Life's too precious to spend it stressed about money, uncertain about your future, or feeling unfulfilled. Let Annette help you discover proven strategies to overcome the challenges blocking your path to true financial freedom. Start Your Journey Today! Annette's Story Annette's journey began with a simple but powerful observation: watching her mother expertly manage the family's finances sparked a lifelong passion for financial literacy. This early inspiration, combined with her natural desire to serve others, has shaped her into the trusted financial mentor she is today. Throughout her distinguished military career and in her role as a human resources leader, Annette discovered her true calling—empowering others to take control of their financial destiny . Her unique blend of personal experience, professional expertise, and genuine care for others sets her apart in the financial coaching world. As a mother of five in a blended family, Annette understands the real-world challenges of managing finances while building a meaningful life. Her approach isn't just about numbers—it's about creating the freedom to live the life you've always dreamed of. 🏆 Recognition & Achievements Annette participated in the Take it To the Top National Entrepreneurship Challenge, where she was a runner-up in the 3rd Annual Event. She's also been featured in over 200 publications nationwide. She holds a Juris Master Degree from Florida State University and continues to make her home in Florida with her spouse and children. Beyond the Numbers When she's not transforming financial lives, Annette is an avid traveler with an impressive bucket list. She's explored incredible destinations including Antigua , the Bahamas , Curacao , Mexico , the Dominican Republic , and Jamaica . Living between Florida and Georgia, she's also discovered amazing local gems in Savannah, Atlanta, Orlando, and Tallahassee. Her travel experiences fuel her belief that financial freedom isn't just about security—it's about creating opportunities for adventure and meaningful experiences. Professional Excellence Harris Financial Coaching holds the following business certifications: Certified Military Spouse Owned; Economically Disadvantaged Women-Owned Small Business; Florida Woman, Minority, & Veteran-Owned; and Service-Disabled Veteran-Owned Small Business . Ready to Start Your Transformation?

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

Annette Harris, a women-owned small business leader, provides expert financial coaching and literacy services to empower families. Press & Media Helping families break the cycle of financial stress and build generational wealth. Available for interviews, speaking engagements, and expert commentary on personal finance and military financial wellness. Download Annette's Media Kit "Legacy of Leaders" with Annette Harris and Gary Beard Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied As Featured In Impact & Expertise 250+ Families Helped $750K Debt Eliminated 15+ Years Experience 20+ Speaking Engagements Recent Press Coverage Kids Moving Out? Time To Make an Empty Nester Budget: Here’s How So, the last of your kids has flown the coup and now the house is eerily quiet — What’s one to do with all that free time? Maybe you can finally take that trip to Bora Bora or renovate that ADU! GoBankingRates Read Article We’re DINKs: Here’s Our Monthly Budget There’s a certain kind of freedom that comes with being DINKs (dual income no kids). For Annette Harris, who works full-time in human resources and operates a financial coaching practice, that freedom looks like early mornings without chaos. GoBankingRates Read Article Biweekly vs. Semimonthly Pay: Key Differences and How to Choose When is payday? For employees, the answer is a core component of any job. Even those who are passionate about their work still care about financial security. Lattice Read Article Ramit Sethi: How Strict Frugality Can Disrupt Your Financial Goals You might not think it, considering the high cost of living and the importance of having a financial buffer in case of emergency, but it’s possible to save too much. Yahoo! Finance Read Article Book Annette for Your Next Event Annette Harris brings over 15 years of financial expertise and a proven track record of helping families achieve financial freedom. Perfect for podcasts, conferences, webinars, and media interviews. Personal Finance & Budgeting Debt Elimination Strategies Military Family Financial Wellness Generational Wealth Building Career Transitions & Resume Building Financial Education & Coaching Response Time: We'll get back to you within one business day with availability and speaking requirements. Booking Request Form Complete the form below, and we'll get back to you within one business day. First name Last name Email How Can I Help You? Select event type Please tell us more about your inquiry. Submit Request Thanks for submitting!