No shame. No lectures.

Your financial past doesn't have to control your financial future.

The math is usually the easy part. Changing the habits underneath it is where progress begins. I help professionals in their 40s, 50s and 60s face the numbers, understand what's been getting in the way, and build a plan they'll actually follow.

Book a Coaching Fit Call See the program
Started at 50
It's never too late to begin
Debt Free
Rebuilt from a negative net worth
Legacy Built
Retirement secured & independent
My Story

I've been where you are.

I grew up in poverty in rural Jamaica, raised by a single mother who sacrificed everything so I could have an education. I built a career — and then during the pandemic, I was laid off at 50 with barely anything saved for retirement.

I was scared. But I made a decision, built a plan, and stayed disciplined. Today I'm debt free, retirement secured, and financially independent — and I'm building a legacy for my children. I started The Wealth Legacy Coach to help you do the same.

Why "Legacy"?

Because this isn't just about getting out of debt or hitting a number. It's about breaking cycles. Being the first in your family to build real wealth. Leaving something behind for the people you love.

"It's not too late to leave something behind."

The Program

Face the Number

A Six-Session Money Reset

Six private sessions over 10–12 weeks. We look at the whole picture without flinching, find what's actually been getting in the way, and build a plan you'll follow long after we're done. Your spouse or partner is included at no extra charge.

1

Where You Actually Stand

Your full financial picture

Income, debts, spending, net worth — an honest starting point, plus the money rules you inherited and never questioned.

2

Where It's Actually Going

Your spending system

Not restriction — direction. Build a realistic system that frees up cash flow every month.

3

Kill the Shame Tax

Your debt payoff plan

Which debt first and why, with a real finish line so the discipline feels finite instead of endless.

4

Sleep at Night

Your emergency fund target

Set the cushion that stops the bracing. Peace of mind isn't a side effect here — it's the deliverable.

5

Money That Grows

Investing fundamentals

Understand account types, trade-offs and the questions that matter — education and readiness, so no professional can talk over your head again.

6

Your Legacy Number

Your 90-day action plan

What you want to be true for the people you love, your written plan, and how far you've moved since day one.

What you walk away with

Not just a better feeling about money — things you can hold, follow and reuse.

  • A complete picture of your finances — no more guessing
  • A realistic spending system you'll actually keep
  • A debt payoff order with a real target date
  • An emergency fund target and a way to hit it
  • A working understanding of investing fundamentals
  • A written 90-day action plan
  • A clear map of what needs a licensed investment, tax, insurance or legal professional — and the questions to ask them
Program investment
$1,200 per household
Pay in full, or three monthly payments of $425. Your spouse or partner takes part in every session at no additional charge.
Book a Coaching Fit Call

Founding client rate, available to my first five clients. The standard price afterwards will be $1,800.

Not sure whether the program fits your situation? Book a complimentary 30-minute Coaching Fit Call. It's a conversation about whether coaching is the right next step — there's no pressure to enroll, and if it isn't a good fit I'll tell you honestly.

Who I Help

This is for you if…

Most of the people I work with are doing fine at everything else in life. Money is the one area they never quite got right — and something recently made that harder to ignore.

🔄

Your work changed. A layoff, a transition, or a career that no longer feels certain. I know that fear personally.

📬

You've been avoiding it. Statements you don't open, an account you don't log into, a conversation you keep not having.

🏡

Retirement stopped being abstract. It's close enough now to want a real answer, on your terms.

👪

You're carrying others. Adult children, aging parents, or both — and you want to leave something behind anyway.

Let's Talk

Let's find out if this is the right next step.

A complimentary 30-minute conversation about what prompted you to reach out, what's been keeping you stuck, and whether the program fits. No shame, no lectures, no pressure — and if it isn't a good fit, I'll tell you honestly.

Pick a time on my calendar

Prefer email? Reach me anytime at rich@thewealthlegacycoach.com