Coaching on Advanced Topics in Personal Finance by Kelsa Dickey and Jill Emanuel

Introduction

Coaching on Advanced Topics in Personal Finance is a specialized training program created by Kelsa Dickey and Jill Emanuel of the Financial Coach Academy to equip financial coaches with the expertise to guide clients through complex financial decisions. Kelsa Dickey, MBA, founded the Financial Coach Academy in 2016 after 7 years as a financial advisor and corporate accountant, and has trained thousands of coaches through her proven methodologies. Jill Emanuel, a Certified Financial Coach Mentor and former middle school math teacher for 11 years, paid off $85,000 in debt in 2 years through financial coaching before joining the Academy team in 2020. This toolkit covers 9 advanced topics including student loans, home buying, HELOCs, investing strategies, life and health insurance, debt settlement, and bankruptcy coaching, with over 8 hours of video instruction and 27 downloadable resources organized into a comprehensive coaching framework.

Here's What You Get

📊 Course Stats:

12 video lessons | 27 downloadable PDFs | 1 image resource | 7h 38m 59s of content | 1.66 GB total

✅ 4.1: Introduction to Advanced Topics Coaching — Overview of the specialized coaching approach for complex financial situations

✅ 4.2: Student Loan Coaching Module — Complete framework for coaching clients through federal vs. private loans, repayment strategies, refinancing decisions, and forgiveness programs (55 minutes)

✅ 4.3: Home Buying Coaching Module — Step-by-step coaching process for first-time and repeat home buyers, including affordability analysis, mortgage types, and closing preparations (32 minutes)

✅ 4.4: HELOC vs. Second Mortgage Coaching — Decision-making framework for clients considering home equity financing options (26 minutes)

✅ 4.5 & 4.5B: Investing Coaching Modules — Two-part training on coaching clients through investment decisions, risk tolerance assessment, and choosing an investment path (51 minutes + 48 minutes)

✅ 4.6: Life Insurance Coaching Module — Coaching methodology for term vs. whole life insurance, coverage calculations, and policy selection (37 minutes)

✅ 4.7: Health Insurance Coaching Module — Framework for helping clients navigate health insurance options, HSAs, FSAs, and coverage decisions (62 minutes)

✅ 4.8: Debt Settlement and Negotiation Coaching — Client coaching strategies for debt negotiation scenarios and settlement considerations (43 minutes)

✅ 4.9: Bankruptcy Coaching Module — Sensitive coaching approach for clients considering Chapter 7 vs. Chapter 13 bankruptcy (57 minutes)

✅ 27 Downloadable PDF Workbooks — Client worksheets, coaching handouts, quick reference sheets, and toolkit templates for every module

✅ Toolkit Handout Template Tutorial — Video guide on customizing the toolkit resources for your coaching practice (17 minutes)

✅ Financial Coaching Toolkit Welcome Video — Program orientation and implementation guidance (23 minutes)

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What You Will Learn in Coaching on Advanced Topics in Personal Finance

✅ Student Loan Coaching Framework — Master the coaching approach for federal loan repayment plans, income-driven repayment options, Public Service Loan Forgiveness eligibility, refinancing considerations, and parent PLUS loan strategies

✅ Home Buying Decision Coaching — Guide clients through affordability calculations, mortgage comparison (conventional, FHA, VA, USDA), down payment strategy, PMI considerations, and first-time buyer programs

✅ Home Equity Financing Coaching — Help clients evaluate HELOC vs. second mortgage options based on their specific situation, interest rate structures, tax implications, and risk factors

✅ Investment Path Selection Coaching — Coach clients through the decision between DIY investing, robo-advisors, and working with financial advisors, including questions to ask advisors and portfolio allocation strategies

✅ Risk Tolerance and Investment Strategy — Apply the Financial Coach Academy's Investing Quick Sheet methodology to assess client risk tolerance, time horizon, and appropriate investment vehicles

✅ Life Insurance Needs Analysis Coaching — Calculate appropriate coverage amounts, compare term vs. whole life policies, evaluate riders and policy features, and guide clients through carrier selection

✅ Health Insurance Navigation Coaching — Help clients understand plan types (HMO, PPO, HDHP), evaluate total cost of ownership, maximize HSA and FSA benefits, and select appropriate coverage for their situation

✅ Debt Settlement Strategy Coaching — Coach clients considering debt settlement on realistic outcomes, credit implications, negotiation timing, and when settlement is or isn't appropriate

✅ Bankruptcy Decision Support Coaching — Guide clients through the emotional and practical aspects of bankruptcy, differences between Chapter 7 and Chapter 13, alternatives to bankruptcy, and post-bankruptcy rebuilding

✅ Attribution Phrasing for Compliance — Use the toolkit's attribution framework to maintain appropriate boundaries between coaching and financial advice, ensuring legal compliance

✅ Client Worksheet Implementation — Deploy the included client worksheets for investing decisions, advisor selection, home buying checklists, and insurance comparison tools in your coaching sessions

✅ Technical + Behavioral Integration — Apply the Financial Coach Academy's methodology of combining technical financial knowledge with mindset and behavioral coaching for lasting client transformation

Who Should Take Coaching on Advanced Topics in Personal Finance?

• Established Financial Coaches Ready to Expand Services — You've mastered budgeting and debt payoff coaching with your clients, but now they're asking about buying homes, choosing investments, and navigating insurance decisions that feel outside your current expertise. This toolkit gives you the coaching frameworks and client worksheets to confidently guide clients through these complex topics without crossing into financial advice territory.

• Career Changers from Financial Services — You're a former financial advisor, accountant, or banking professional transitioning into coaching who knows the technical details of investments and insurance but needs to learn how to coach clients through these decisions rather than simply advising them. The attribution phrasing and coaching approach training helps you make this critical shift.

• Coaches Working with High-Income Clients — Your client base has evolved beyond basic budgeting needs, and they're now facing six-figure decisions about HELOCs, tax-advantaged investments, and insurance planning. You need specialized training to serve them at this level while maintaining your coaching lane and referring technical advice appropriately.

• Certification-Seeking Coaches Building Comprehensive Practices — You're building a professional coaching practice and want to serve clients throughout their entire financial journey, from debt payoff through home ownership and retirement planning. This toolkit fills the advanced topic gaps that basic certification programs don't cover in depth.

• Nonprofit and Community Financial Educators — You work with clients facing bankruptcy, debt settlement, or student loan challenges who need support navigating these complex systems. The toolkit's sensitive coaching approach for difficult situations and the compliance-focused attribution framework ensure you provide appropriate guidance within your role.

Complete Curriculum Breakdown

Module 4.1: Introduction to Coaching on Advanced Topics in Personal Finance

This foundational module establishes the coaching philosophy for advanced financial topics. The training distinguishes between coaching clients through complex financial decisions versus providing financial advice, introduces the attribution phrasing framework for compliance, and outlines the integrated approach that combines technical knowledge with behavioral coaching.

• Lesson 4.1: Video – Coaching on Advanced Topics in Personal Finance (2 minutes 25 seconds)
• 📕 Included resources: Toolkit Handout – Attribution Phrasing guide for maintaining coaching boundaries

Module 4.2: Coaching on Student Loans

A comprehensive coaching framework for helping clients navigate the complex student loan landscape, covering federal and private loan differences, repayment plan options, and strategic decision-making.

• Lesson 4.2: Video – Coaching on Student Loans (55 minutes 23 seconds)
• 📕 Included resources: Toolkit Handout 4.2 – Coaching on Student Loans (client worksheet and coaching guide)

Module 4.3: Coaching on Home Buying

Step-by-step coaching process for first-time and repeat home buyers, addressing affordability analysis, mortgage type selection, and the emotional aspects of this major financial decision.

• Lesson 4.3: Video – Coaching on Home Buying (32 minutes 48 seconds)
• 📕 Included resources: Toolkit Handout 4.3 – Coaching on Home Buying (comprehensive home buying coaching worksheet)

Module 4.4: Coaching on HELOC vs Second Mortgage

Decision-making framework that helps clients evaluate home equity financing options based on their specific situation, interest rate considerations, and financial goals.

• Lesson 4.4: Video – Coaching on HELOC vs Second Mortgage (26 minutes 14 seconds)
• 📕 Included resources: Toolkit Handout 4.4 – Coaching on HELOC vs Second Mortgage (decision comparison worksheet)

Module 4.5: Coaching on Investing (Part 1 & 2)

Two-part investing coaching methodology covering risk tolerance assessment, investment vehicle selection, DIY vs. advisor decisions, and the financial psychology of investing.

• Lesson 4.5: Video – Coaching on Investing (51 minutes 30 seconds)
• Lesson 4.5B: Video – Coaching on Investing – Choosing an Investment Path (48 minutes 34 seconds)
• 📕 Included resources: Toolkit Handout 4.5a – Investing Quick Sheet Client Worksheet (risk tolerance and allocation tool)
• 📕 Included resources: Toolkit Handout 4.5b – Questions to Ask a Financial Advisor Client Worksheet (advisor vetting guide)
• 📕 Included resources: Toolkit Handout 4.5 – Coaching on Investing (comprehensive investing coaching framework)

Module 4.6: Coaching on Life Insurance

Coaching methodology for helping clients determine appropriate life insurance coverage, understand policy types, and make informed decisions about riders and carriers.

• Lesson 4.6: Video – Coaching on Life Insurance (37 minutes 40 seconds)
• 📕 Included resources: Toolkit Handout 4.6 – Coaching on Life Insurance (needs analysis and policy comparison worksheet)

Module 4.7: Coaching on Health Insurance

Framework for guiding clients through health insurance plan selection, understanding plan types, maximizing tax-advantaged accounts, and evaluating total cost of ownership.

• Lesson 4.7: Video – Coaching on Health Insurance (62 minutes 31 seconds)
• 📕 Included resources: Toolkit Handout 4.7 – Coaching on Health Insurance (plan comparison and decision-making tool)

Module 4.8: Coaching on Debt Settlement or Negotiation

Strategic coaching approach for clients considering debt settlement, including when it's appropriate, realistic expectations, credit implications, and alternative options.

• Lesson 4.8: Video – Coaching on Debt Settlement or Negotiation (43 minutes 53 seconds)
• 📕 Included resources: Toolkit Handout 4.8 – Coaching on Debt Settlement or Negotiation (decision framework and negotiation preparation guide)

Module 4.9: Coaching on Bankruptcy

Sensitive coaching methodology for supporting clients facing bankruptcy, covering Chapter 7 vs. Chapter 13 differences, alternatives, the emotional journey, and post-bankruptcy financial rebuilding.

• Lesson 4.9: Video – Coaching on Bankruptcy (57 minutes 8 seconds)
• 📕 Included resources: Toolkit Handout 4.9 – Coaching on Bankruptcy (decision support and rebuilding roadmap)

Bonus: Implementation Resources

Additional training and customizable materials to integrate the toolkit into your coaching practice.

• Financial Coaching Toolkit Welcome Video (23 minutes 23 seconds)
• Toolkit Handout Template Tutorial Video (17 minutes 30 seconds)
• Toolkit Handout 4.0 – Toolkit Workbook (comprehensive implementation guide)
• 16 additional PDF handouts and quick reference sheets organized by topic

Bonus Materials Included

✅ Toolkit Workbook (4.0) — Complete implementation guide for integrating all toolkit resources into your coaching practice, with session planning templates and coaching conversation scripts (PDF format)

✅ Toolkit Handout Template Tutorial — Step-by-step video showing how to customize and white-label the included PDF resources for your coaching brand (17 minutes, video format)

✅ Financial Coaching Toolkit Welcome Video — Orientation to the entire toolkit system, implementation timeline, and best practices for rolling out advanced topic coaching to existing clients (23 minutes, video format)

✅ Attribution Phrasing Guide — Critical compliance resource with exact language to use when discussing advanced topics to maintain coaching boundaries and avoid providing unlicensed financial advice (PDF format)

✅ Quick Reference Sheets — One-page coaching guides for each advanced topic, perfect for session preparation or client handouts (PDF format)

About Kelsa Dickey and Jill Emanuel

Kelsa Dickey is the founder, CEO, and lead instructor of the Financial Coach Academy, which she created in 2016 with her husband Michael after recognizing the need for comprehensive financial coach training. Her journey into coaching began in 2010 when she left her corporate roles as a financial advisor and accountant after 7 years to start her own financial coaching business, initially working from her home office helping friends and family while designing systems and processes through trial and error.

Verified Credentials – Kelsa Dickey:

✅ MBA in Business from the University of Phoenix (2005-2006)

✅ Over 20 years of experience helping people change their finances and build lives they're proud of

✅ CEO and Money Coach at Fiscal Fitness Phoenix, bringing personalization and forward-thinking planning into financial coaching

✅ Author of “The Financial Coaching Playbook: How to Easily Launch & Grow Your Coaching Business”

✅ Featured in national media including USA Today, CNN Money, Yahoo, and MSN Money for financial insights

✅ Co-creator and host of multiple financial coaching podcasts including “The Financial Coach Academy Podcast” and “Fiscal Fitness – Money Strategies for the Fitness Obsessed”

✅ Founded the Money Masterplan methodology that centers financial strategies around clients' excitement, enthusiasm, values, goals, and lifestyle

Jill Emanuel serves as a Certified Financial Coach Mentor and instructor at the Financial Coach Academy. Her personal transformation story drives her coaching philosophy: after working as a middle school math teacher for 11 years, she invested in financial coaching in 2015 and paid off $85,000 of debt in just 2 years. This remarkable progress led her to leave teaching in 2020 to become a full-time financial coach, joining the Fiscal Fitness Phoenix team.

Verified Credentials – Jill Emanuel:

✅ Certified Financial Coach Mentor credential

✅ Former middle school math teacher for 11 years before transitioning to full-time financial coaching

✅ Paid off $85,000 in personal debt in 2 years through the financial coaching methods she now teaches

✅ FCA mentor coach at Financial Coach Academy, providing private 1:1 coaching in the Elite program

✅ Instructor for Financial Coach Academy training programs and challenges

✅ Co-host with Kelsa Dickey of the Fiscal Fitness Podcast and Muscle & Money show

Together, Kelsa and Jill bring both the systems-building expertise and lived transformation experience that create the Financial Coach Academy's unique approach of combining practical money methods with deep emotional intelligence and behavioral coaching.

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What Problems Does Coaching on Advanced Topics in Personal Finance Solve?

“My clients are asking about buying homes and investing, but I only know how to coach on budgeting and debt payoff” — Module 4.3 provides the complete home buying coaching framework with affordability analysis and mortgage comparison tools, while Modules 4.5 and 4.5B deliver the investing coaching methodology including the Investing Quick Sheet for risk tolerance assessment and the advisor vetting worksheet, allowing you to confidently expand your coaching offerings without needing to become a licensed financial advisor.

“I'm afraid of crossing the line between coaching and financial advice when discussing complex topics” — The Attribution Phrasing Guide included in the toolkit provides exact language and frameworks for maintaining coaching boundaries when discussing investments, insurance, and other regulated topics, ensuring you stay compliant while still delivering valuable guidance to clients navigating these decisions.

“My financial advisor background makes me want to give advice instead of coaching clients through decisions” — The program specifically addresses this challenge by teaching the Financial Coach Academy's methodology of coaching versus advising, with techniques for asking powerful questions and facilitating client decision-making rather than recommending specific products or strategies, helping career changers make this critical professional shift.

“Clients facing bankruptcy or debt settlement need my support, but these situations feel overwhelming” — Modules 4.8 and 4.9 provide sensitive coaching frameworks specifically designed for clients in financial crisis, including the emotional support techniques, decision-making tools, and rebuilding roadmaps that help you guide clients through these difficult situations with confidence and appropriate boundaries.

“I can't serve high-income clients effectively because they need guidance on topics like HELOCs and complex insurance strategies” — Module 4.4 delivers the HELOC vs. Second Mortgage decision framework, while Modules 4.6 and 4.7 provide comprehensive coaching methodologies for life and health insurance navigation, allowing you to work with clients at all income levels and life stages throughout their complete financial journey.

“I have the technical financial knowledge but lack the client worksheets and conversation frameworks to deliver coaching sessions” — All 9 modules include downloadable PDF client worksheets, coaching handouts, and quick reference sheets that structure your coaching conversations, plus the Toolkit Workbook 4.0 with session planning templates and implementation guidance for integrating these resources into your practice immediately.

What Makes Coaching on Advanced Topics in Personal Finance Different

• The Attribution Phrasing Framework — Unlike generic financial education that blurs the lines between coaching and advice, this toolkit provides specific compliance language and boundary frameworks that allow coaches to discuss complex topics like investments and insurance without crossing into licensed financial advice territory, protecting both coach and client while delivering valuable guidance.

• Technical + Behavioral Integration Methodology — The Financial Coach Academy's signature approach takes major financial topics and addresses both the technical aspects and the behavioral/mindset components, recognizing that client decisions about home buying, investing, or bankruptcy involve both practical calculations and emotional factors that pure financial education misses.

• Real-World Implementation Resources — Rather than just teaching concepts, every module includes actual client worksheets, coaching handouts, and conversation frameworks that coaches can immediately deploy in sessions, with the Toolkit Handout Template Tutorial showing how to customize and white-label materials for individual coaching brands.

• Comprehensive Advanced Topic Coverage — While most coaching training stops at budgeting and debt payoff, this program addresses 9 specialized topics that clients actually ask about as they progress financially: student loans, home buying, HELOCs, investing paths, life insurance, health insurance, debt settlement, and bankruptcy, creating a complete advanced coaching curriculum.

Frequently Asked Questions About Coaching on Advanced Topics in Personal Finance

What is Coaching on Advanced Topics in Personal Finance about?

Coaching on Advanced Topics in Personal Finance is a specialized training program created by the Financial Coach Academy to equip financial coaches with the frameworks, compliance knowledge, and client resources needed to guide clients through complex financial decisions beyond basic budgeting and debt payoff. The program covers 9 advanced topics including student loan strategy, home buying, home equity financing, investing decisions, life and health insurance navigation, debt settlement, and bankruptcy coaching using the Financial Coach Academy's methodology of integrating technical financial knowledge with behavioral and mindset coaching.

Who created Coaching on Advanced Topics in Personal Finance?

This toolkit was created by Kelsa Dickey, MBA, founder and CEO of the Financial Coach Academy, and Jill Emanuel, Certified Financial Coach Mentor. Kelsa founded the Academy in 2016 after 7 years as a financial advisor and corporate accountant, and is the author of “The Financial Coaching Playbook.” Jill paid off $85,000 in debt in 2 years through financial coaching before leaving her 11-year teaching career to join the Fiscal Fitness Phoenix team in 2020.

What is included in Coaching on Advanced Topics in Personal Finance?

The program includes 12 video lessons totaling 7 hours 38 minutes 59 seconds, 27 downloadable PDF workbooks and resources, and 1 image resource, with a complete package size of 1.66 GB. The content covers coaching frameworks for student loans, home buying, HELOCs vs. second mortgages, investing strategies, life insurance, health insurance, debt settlement, and bankruptcy, plus implementation resources including the Toolkit Workbook 4.0, Attribution Phrasing Guide, client worksheets for all topics, and a Template Tutorial showing how to customize materials.

Who is Coaching on Advanced Topics in Personal Finance best suited for?

This toolkit is designed for established financial coaches who already work with clients on budgeting and debt but need to expand their expertise to advanced topics, career changers from financial services learning to coach rather than advise, coaches working with high-income clients facing six-figure decisions, certification-seeking coaches building comprehensive practices, and nonprofit or community financial educators supporting clients through bankruptcy or debt settlement challenges.

What will I learn in Coaching on Advanced Topics in Personal Finance?

You'll master coaching frameworks for 9 advanced financial topics including student loan repayment strategy, home buying decision support, HELOC vs. second mortgage evaluation, investment path selection (DIY vs. robo-advisor vs. financial advisor), risk tolerance assessment using the Investing Quick Sheet, life and health insurance needs analysis, debt settlement coaching, and bankruptcy decision support. You'll also learn the Attribution Phrasing framework for maintaining coaching boundaries and compliance, plus implementation strategies for integrating these advanced services into your existing coaching practice.

What format is Coaching on Advanced Topics in Personal Finance delivered in?

The course is delivered as downloadable video lessons in .ts format (with one .mp4 file), PDF workbooks and coaching handouts, and JPG image resources. The complete package totals 1.66 GB and includes 12 videos ranging from 2 minutes to 62 minutes each, organized by module topic, plus 27 PDF resources including client worksheets, coaching guides, quick reference sheets, and the comprehensive Toolkit Workbook for implementation.

Does Coaching on Advanced Topics in Personal Finance include any bonus materials?

The program includes several bonus implementation resources: the Toolkit Workbook 4.0 with comprehensive implementation guidance, a Toolkit Handout Template Tutorial video (17 minutes) showing how to customize PDF resources for your coaching brand, a Financial Coaching Toolkit Welcome Video (23 minutes) with orientation and best practices, an Attribution Phrasing Guide for compliance, and quick reference sheets for each advanced topic that serve as session preparation tools or client handouts.

What is Kelsa Dickey known for?

Kelsa Dickey is known as the founder and CEO of the Financial Coach Academy, which she created in 2016 and has used to train thousands of financial coaches. She holds an MBA in Business and spent over 7 years as a financial advisor and corporate accountant before launching her coaching business in 2010. She authored “The Financial Coaching Playbook,” has been featured in USA Today, CNN Money, Yahoo, and MSN Money for financial insights, and created the Money Masterplan methodology used at Fiscal Fitness Phoenix where she serves as CEO and Money Coach.

How is Coaching on Advanced Topics in Personal Finance different from other financial coaching courses?

This toolkit uses the Financial Coach Academy's unique methodology of combining technical financial knowledge with behavioral and mindset coaching, rather than teaching pure financial concepts. The included Attribution Phrasing framework specifically addresses compliance concerns that other programs ignore, providing exact language for discussing regulated topics without crossing into unlicensed financial advice. Unlike basic coach training that stops at budgeting, this covers 9 specialized advanced topics with actual client worksheets and coaching conversation frameworks for immediate implementation, addressing the specific questions clients ask as they progress beyond debt payoff into wealth-building decisions.

Sources:

• Kelsa Dickey | Financial Coach Academy CEO
• Kelsa Dickey – Financial Coach Academy | LinkedIn
• About the Financial Coach Academy® Instructors | Meet Us
• Jill Emanuel | Money Coach | Financial Coach | Fiscal Fitness PHX
• Meet Your Money Coaches | About Fiscal Fitness PHX
• Muscle & Money™ Worksheets | Kelsa Dickey & Jill Emanuel | Fiscal Fitness
• Specialty Financial Coaching Toolkits by Financial Coach Academy®
• Financial Coach Training | Enroll in the Financial Coach Academy®
• The Financial Coaching Playbook: How to Easily Launch & Grow Your Coaching Business: Dickey, Kelsa: 9780578602325: Amazon.com: Books