Welcome to Wealth and Wisdom Coaching
Personalized Financial Coaching Services
Hi. I’m Justin Jarrell (he/him), based in Bellingham, Washington. I help people take control of their money through clear, practical guidance. My ultimate goal is to offer clarity and peace of mind for your financial life.
Send inquiries to justin@wealthandwisdomcoaching.com
Or call/text: 360-230-8562
Hours: Mon–Thu 2–5pm, Fri 8–5pm (PT)
If you reach out outside these hours, I’ll get back to you as soon as I can.
Check out my blog for personal finance tips.
What I Coach
My coaching is built around seven key steps. No matter your current financial situation (whether you're struggling to make ends meet, buried in debt, or just looking for more structure), I can help.
The objective is to get you from wherever you are now to:
Financial security (having enough margin to handle emergencies)
Financial freedom (having options and flexibility to make life changes)
Financial independence (being able to live on your terms without relying on work, like in retirement)
If you have consumer debt, like student loans, credit cards, car loans, or a HELOC, I’ll help you find the fastest, most effective way to pay it off based on your situation. The focus is to eliminate risky debt and get you back to building wealth.
7 Steps to Wealth:
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I’ll help you find a savings rate (% of income) that fits your current budget and lifestyle.
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As you begin to save consistently, learn skills around budgeting to protect your savings and find ways to cut unnecessary expenses.
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In addition to controlling your spend, we’ll talk about ways to reduce temptations and avoid risky financial moves. We’ll also look at insurance plans.
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Once you have met a certain amount of savings, it’s time to look at how to put your money to work for you. We’ll look at investing and other ways to make your money grow.
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Your primary home is a significant part of your wealth portfolio. Learn how to buy a home the smart way so you can afford to own it and continue other financial goals.
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I’ll help you plan for your retirement income and build skills to prepare now so you can stop working when you want to.
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As you begin to build proficiency in all the above, we’ll look into ways to increase your potential to earn, such as furthering your education, growing your career, and/or starting a side income.
Who I Coach
I help people in a wide variety of life situations, including:
Adults struggling to make ends meet and looking to regain financial stability
College students and recent grads learning to manage money, budgets, and a new income
Single professionals balancing rent, bills, savings, and lifestyle choices
Couples improving money communication, combining finances, and setting shared goals
Individuals navigating divorce or single parenthood and adjusting to one income
First-time homebuyers preparing to save for a down payment and manage ongoing costs
Therapy or financial advisement clients who want separate, practical money coaching
High earners who want to get organized and start building serious savings and investments
Testimonials
“Justin is a compassionate, intuitive, and highly skilled financial coach. His ability to meet people where they are, with empathy, clarity, and deep understanding, paired with his extensive training and financial expertise, makes him exceptionally effective in helping clients move beyond roadblocks and limiting beliefs. He brings a rare blend of insight, professionalism, and heart to each session, creating a space where even the most overwhelmed clients can move forward with confidence and ease. His warm and grounded presence helps you feel seen, supported, and genuinely empowered. I wholeheartedly recommend Justin to anyone ready to restore their financial well-being and create a life rooted in stability and freedom.”
-Alexandria
“Growing up, neither one of our families discussed money, budgets, or finances (at least not in front of us kids). So, our perception of money was limited and frankly, rather laissez faire. Either you had it or you didn't. As long as there was a money in our bank account and available credit on our cards, we thought we were good to go. Oh, how wrong we were! Even after realizing we had a problem, we didn't know where to start until we saw a post in our local community Facebook group from Justin. He was offering group financial coaching sessions. It was just what we needed. Justin is open, honest, and has no issue with asking the hard questions to hold us accountable.
These last few months have been eye-opening and literally, life changing for our family. We have gained confidence and feel more comfortable in discussing all aspects of our finances with Justin, with each other, and with our boys.
We highly recommend Justin and his financial coaching services!”
-Laura & Steve
“Justin helped me in a way that no other financial coach has. I had struggled for years and he was able to explain things to me that actually made sense for my lifestyle and goals that no one has before. He put things in perspective that went beyond just my financial situation. Working with him has opened doors of thought to how I want to grow in my life and opened a platform of conversation with my partner that has previously been too delicate to talk about. He provides an organized, safe, trustworthy environment with a patient and kind approach. I am thankful for working with Justin.”
-Jenne
About Your Coach
I grew up in a household where money was tight. My parents worked multiple jobs, avoided debt (thankfully!), and showed me the value of living within your means. I started working at 13 to help pay my way as a teenager.
In my twenties, after college graduation, I made a decent income but lacked direction. I leased a car I couldn’t afford, saved inconsistently, and lived paycheck to paycheck. By 30, I realized I had been working hard but hadn’t built anything lasting. When my spouse and I married, we carried $90,000 in student loan debt. When we decided to buy our first home during the COVID-19 pandemic, we realized we needed to get our financial house in order. We decided to take full control of our income and spending so we could optimize our money and achieve financial goals.
Today, we manage our money with clarity and purpose, and I want to share what I’ve learned with the world through 1:1 and 1:2 (couples) coaching.
I’m currently pursuing the Accredited Financial Counselor (AFC®) designation through the Association for Financial Counseling & Planning Education® (AFCPE®).
