Financial Counseling for Real-Life Money Decisions

Heth Financial Counseling, L.L.C. offers ethical, education-based financial counseling and coaching to help you understand your money, reduce financial stress, and make the next right financial decision, without pressure or product sales.

If you’re wondering whether financial counseling or financial coaching is right for you, the best place to start is a conversation.

Why Financial Counseling

You don't need to know which service you need. Every new client starts with a free 20-minute consultation, where we talk about what you're working on and the right next step.

The Foundation for Financial Competency

Financial counseling helps you understand your financial situation, work through challenges, and make informed decisions, especially during periods of stress or change. It often focuses on budgeting, debt, cash flow, and building financial stability.

Financial coaching builds on that foundation. Coaching focuses on habit change, goal-setting, accountability, and follow-through over time, helping you stay on track once you have clarity.

My practice follows 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

About Me

I’m an AFC® Candidate. I’ve passed the AFC® exam and am completing the experience hours required for certification through the Association for Financial Counseling & Planning Education® (AFCPE®). My practice follows AFCPE®’s core competencies and Code of Ethics, and my work centers on education, clarity, and informed decision-making.

Since winter 2025, I’ve also volunteered as a financial coach with Women’s Money Matters, a nonprofit that pairs free financial education workshops with one-on-one coaching for women and girls.

I’m a current federal employee with about 10 years of experience in federal human resources, including work as a benefits specialist. That background helps me support clients, particularly federal employees, in understanding how workplace benefits and employment structures fit into their broader financial picture. In May 2025, I earned a Master of Public Administration (MPA) from George Mason University’s Schar School of Policy and Government, with a concentration in human resources. I’m proud to be a George Mason University alumna.

I’m also a licensed attorney in New York and the District of Columbia. My legal training informs my analytical approach and attention to detail, but I do not provide legal advice through Heth Financial Counseling, L.L.C.

I don’t sell insurance, investments, or financial products, and I don’t receive commissions. My role is to help you understand your options so you can make thoughtful decisions that fit your values and your real life.

Heth Financial Counseling, L.L.C. is my private business. It is not affiliated with or endorsed by the U.S. government or any federal agency, and the views on this site are my own.