Get Clarity. Reduce Stress. Make Confident Financial Decisions.
At Heth Financial Counseling, L.L.C., we offer ethical, education-based financial counseling and coaching—without selling products, insurance, or investments. No commissions. No pressure. Just honest guidance to help you understand your money and move forward with confidence.
Whether you're navigating debt, a job transition, federal employee benefits, or everyday financial stress—we're here to help you find clarity and take the next right step..
I believe financial clarity creates freedom—and that everyone deserves access to honest, judgment-free financial guidance, regardless of income or background.
I founded Heth Financial Counseling, L.L.C. to fill a gap: real, client-centered support that empowers you to understand your options and make decisions that reflect your values and goals—not someone else's sales quota.
My approach is practical, education-based, and grounded in genuine respect for where you are and where you want to go.
What Is Financial Counseling & Coaching?
Financial counseling helps you understand your full financial picture—budgeting, debt, cash flow, and building a stable foundation—especially during times of change or stress.
Financial coaching builds on that foundation. It focuses on habit change, goal-setting, and accountability over time, helping you stay on track once you have clarity.
At Heth Financial Counseling, my practice is grounded in the core competencies and Code of Ethics of the Association for Financial Counseling & Planning Education® (AFCPE®). As an AFC® Candidate, I provide ethical, client-centered financial counseling with coaching support as needed.
In practice, this means:
• Education, not products—no insurance or investment sales
• Clear, practical guidance—steps you can actually use
• Judgment-free support—a confidential space to talk honestly
Channelle M. Heth
Professional Background & Credentials
Channelle M. Heth brings a unique combination of experience, education, and ethics to financial counseling.
As a current federal employee with approximately 10 years of experience in federal human resources—including prior work as a benefits specialist—she has an in-depth understanding of how workplace benefits and employment structures affect your broader financial picture. This expertise is especially valuable for federal employees navigating their benefits, FERS, TSP, and life transitions.
In May 2025, Channelle earned a Master of Public Administration (MPA) from the Schar School of Policy and Government at George Mason University, with a concentration in Human Resources.
She is also a licensed attorney in New York and the District of Columbia. While her legal training informs her analytical approach and attention to detail, she does not provide legal advice through Heth Financial Counseling.
As an AFC® Candidate, Channelle is committed to the core competencies and Code of Ethics of the Association for Financial Counseling & Planning Education® (AFCPE®)—emphasizing education, clarity, and informed decision-making above all.
She does not sell insurance, investments, or financial products, and receives no commissions. Her role is to help you understand your options so you can make thoughtful decisions that align with your values and your life.