I worked as a teacher and as a school administrator overseeing HR before becoming a fee-only financial planner. Working in HR revealed a lot about the financial lives of employees, and the lightbulb went off: Too many smart and talented people feel overwhelmed with finances, always wondering if they’re making mistakes. And too many people who want help are taken advantage of or shut out by large financial institutions. I changed careers, became a Certified Financial Planner®, and started Deliberate Finances. I work with couples in their 20’s, 30’s, and 40’s to put together the pieces of their financial puzzle, from getting married, to managing student loans, what it means to plan for retirement, and what to expect (financially!) when a baby is on the way.