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Hi, I'm Willa
I know what it costs to let fear drive your financial decisions
Because I lived it for years.
I am a wife of 38 years, a caregiver, and a woman of deep faith. I love traveling, water aerobics, good food, great company, and yes, a little Luther Vandross. But before I became the coach I am today, I was quietly carrying a fear that shaped every financial decision I made — without me even realizing it.
It started early. I grew up watching my mother do the impossible — raising four children on her own after a nineteen-year marriage ended. She did it with grace and strength. But the impact on me was lasting. I made myself a quiet promise that I would never find myself unable to support myself if everything fell apart.
That promise drove me to study finances, build knowledge, and prepare with fierce determination. In many ways, it served me well. But fear has a way of following you — even into the good things.
When I married my husband, that same protective instinct kept me from doing the very thing that would have made our partnership stronger. For the first five years of our marriage, I kept our finances separate. Not out of distrust. Out of a deeply rooted belief that I needed to be ready, just in case. What I did not realize then was that my self-protection was quietly keeping us from building something beautiful together.
It was not a budgeting system that changed things for me. It was God.
As my spiritual life deepened, I began to see my past for what it was — a chapter, not a life sentence. Slowly, with faith and my husband's patient support, I let go. I stopped protecting myself from a future that might never come and started building the one God had for me. Our finances came together. Our partnership grew stronger. And the conversations that once felt impossible became the foundation of a shared vision, a shared strategy, and a shared commitment to steward what God had given us with wisdom and purpose.
At 55, I retired. Not because I had to. Because I had built the financial freedom to choose.
I share all of this because I know — from the inside out — what it looks like to be capable, intelligent, and still feel stuck. To do everything right on the outside and still feel disconnected from the financial future you actually want. And I know what becomes possible when you finally surrender that fear to God and start building with intention.
When I sit with you in a coaching session, I am not just bringing nearly a decade of experience as an Accredited Financial Counselor® and coach. I am bringing 38 years of marriage, a retirement I built on purpose, and a testimony that the financial future you are hoping for is not just possible. It is within reach.
"It is good to have wisdom along with an inheritance... wisdom alone preserves the lives of those who have it."
Ecclesiastes 7:11–12 (Voice)
Ready to Write Your Own Story?
I have sat across from women carrying the same fears, the same questions, and the same quiet hope that things could be different. I have watched them move from uncertainty to clarity, from fear to confidence, and from financial stress to financial fulfillment.
I would love to do the same for you.
Your first step is simply a conversation. No pressure, no obligation — just honest clarity about where you are and where you want to go.
