Coaching on Advanced Topics in Personal Finance by Kelsa Jill

What This Course Delivers

Coaching on Advanced Topics in Personal Finance is a comprehensive financial coach training program by Kelsa Dickey (Kelsa Jill), founder and CEO of the Financial Coach Academy and author of “The Financial Coaching Playbook.” The program equips financial coaches with specialized skills to guide clients through complex financial decisions including student loan management, home purchasing, investment strategies, insurance selection, and debt resolution. The course includes 12 video lessons, 27 downloadable PDFs, and over 8 hours of video content totaling 1.66 GB.

Course Contents at a Glance

🎬 12 Video Lessons — 7h 38m 59s

📕 27 PDF Resources — Workbooks, templates, client worksheets, and coaching guides

🖼 1 Image — Visual resources

💾 Total Download: 1.66 GB

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

✅ Student Loan Coaching Frameworks — Navigate federal vs. private loans, income-driven repayment plans, loan forgiveness programs, and refinancing decisions to help clients reduce debt burden and make strategic repayment choices.

✅ Home Buying Guidance — Coach clients through down payment strategies, mortgage types, pre-qualification processes, and first-time homebuyer considerations to support confident home purchase decisions.

✅ HELOC vs. Second Mortgage Analysis — Understand the differences between home equity lines of credit and second mortgages, including rate structures, repayment terms, and appropriate use cases for each option.

✅ Investment Coaching Strategies — Guide clients through investment fundamentals, asset allocation principles, risk assessment, and choosing between DIY investing and working with financial advisors without providing specific investment advice.

✅ Investment Path Selection — Help clients determine which investment approach aligns with their goals, risk tolerance, timeline, and financial situation using decision-making frameworks.

✅ Life Insurance Decision Support — Coach clients through term vs. whole life insurance comparisons, coverage amount calculations, policy selection criteria, and aligning insurance decisions with broader financial plans.

✅ Health Insurance Navigation — Assist clients in understanding health insurance options, comparing plans, evaluating deductibles and premiums, and making informed healthcare coverage decisions.

✅ Debt Settlement and Negotiation Techniques — Learn coaching approaches for clients considering debt settlement, including risks, credit implications, negotiation strategies, and alternatives to settlement.

✅ Bankruptcy Coaching Protocols — Understand Chapter 7 vs. Chapter 13 bankruptcy, when bankruptcy may be appropriate, the filing process, and how to coach clients through this difficult financial decision.

✅ Client Communication for Complex Topics — Develop attribution phrasing and communication techniques to maintain coaching boundaries while addressing advanced financial topics that may intersect with legal or professional financial advice.

Who Is Coaching on Advanced Topics in Personal Finance Designed For?

• The Established Financial Coach Seeking Specialization — You've been coaching clients on budgeting and debt payoff basics, but when clients ask about whether they should buy a home now or refinance their student loans, you feel uncertain. You want specialized training that gives you frameworks to confidently coach on these advanced topics without crossing into financial advising. This course provides structured approaches and client worksheets for the most common complex financial questions your clients face.

• The Career-Transitioning Financial Professional — You have a background as a financial advisor, accountant, or mortgage professional and are shifting into financial coaching. You understand the technical aspects of student loans, investing, and insurance, but need to learn how to coach clients through these decisions rather than directing them. The course teaches the coaching methodology specific to advanced financial topics while leveraging your existing knowledge.

• The Growing Coach Building a Premium Practice — You've mastered basic financial coaching but want to command higher fees by offering specialized expertise. Your ideal clients are professionals with six-figure incomes who need guidance on investment strategies, home equity decisions, and insurance optimization. This training gives you the specialized toolkit to serve higher-income clients facing more complex financial scenarios.

• The Financial Wellness Program Developer — You're building financial coaching programs for employers, nonprofits, or community organizations and need curriculum depth beyond basic budgeting. Your participants ask questions about student loan forgiveness, first-time homebuyer programs, and health insurance enrollment. This course provides the structured content and handouts to expand your program offerings.

• The Coach Facing Client Roadblocks — Your clients are making progress on their spending plans, but major life decisions keep derailing them. One client can't decide whether to buy a home or keep renting. Another is paralyzed by investment options. A third is considering bankruptcy but doesn't know if it's the right choice. You need frameworks to coach them through these crossroads without providing advice outside your scope of practice.

Full Curriculum Breakdown

This specialty toolkit is structured as Module 4 of the Financial Coaching Toolkit series, focusing entirely on advanced personal finance topics that financial coaches commonly encounter with clients.

Welcome & Foundation

Financial Coaching Toolkit Welcome Video (23m 23s)

Introduction to the Financial Coaching Toolkit program structure, how to use the course materials, and overview of the specialty areas covered throughout the toolkit series.

Toolkit Handout Template Tutorial (17m 30s)

Step-by-step guidance on customizing and using the included PDF handouts and client worksheets in coaching sessions.

Module 4.1: Introduction to Advanced Topics

4.1 VIDEO: Coaching on Advanced Topics in Personal Finance (2m 25s)

Overview of the specialized coaching skills needed for complex financial topics, boundaries between coaching and advising, and how to use attribution phrasing to maintain ethical coaching practices.

📕 Resources:

• Toolkit Handout – Attribution Phrasing

Module 4.2: Student Loan Coaching

4.2 VIDEO: Coaching on Student Loans (55m 23s)

Comprehensive training on federal vs. private student loans, income-driven repayment plans, loan forgiveness programs (Public Service Loan Forgiveness, Teacher Loan Forgiveness), refinancing considerations, consolidation strategies, and coaching frameworks for helping clients prioritize student loan debt within their overall financial plan.

📕 Resources:

• Toolkit Handout 4.2 – Coaching on Student Loans

Module 4.3: Home Buying Coaching

4.3 VIDEO: Coaching on Home Buying (32m 48s)

Coaching approaches for first-time and repeat homebuyers including down payment planning, mortgage types (conventional, FHA, VA, USDA), pre-qualification vs. pre-approval, closing costs, rent vs. buy analysis, and helping clients determine readiness for homeownership.

📕 Resources:

• Toolkit Handout 4.3 – Coaching on Home Buying

Module 4.4: Home Equity Decision Coaching

4.4 VIDEO: Coaching on HELOC vs Second Mortgage (26m 14s)

Understanding home equity lines of credit (HELOC) and second mortgages, key differences in structure and repayment, appropriate use cases for each, risks of leveraging home equity, and coaching clients through home equity decisions.

📕 Resources:

• Toolkit Handout 4.4 – Coaching on HELOC vs Second Mortgage

Module 4.5: Investment Coaching

4.5 VIDEO: Coaching on Investing (51m 30s)

Foundations of investment coaching for non-advisors including investment fundamentals, asset allocation concepts, risk tolerance assessment, diversification principles, coaching clients on their fears and beliefs about investing, and maintaining boundaries when discussing investment topics.

4.5B VIDEO: Coaching on Investing – Choosing an Investment Path (48m 34s)

Frameworks for helping clients decide between DIY investing (robo-advisors, index funds) and working with a financial advisor, questions clients should ask potential advisors, and how to coach clients through investment decision paralysis.

📕 Resources:

• Toolkit Handout 4.5 – Coaching on Investing
• Toolkit Handout 4.5a – Investing Quick Sheet Client Worksheet
• Toolkit Handout 4.5b – Questions to Ask a Financial Advisor Client Worksheet

Module 4.6: Life Insurance Coaching

4.6 VIDEO: Coaching on Life Insurance (37m 40s)

Term life vs. whole life insurance comparison, determining appropriate coverage amounts, policy selection criteria, when life insurance is and isn't necessary, coaching clients through insurance agent recommendations, and insurance's role in a complete financial plan.

📕 Resources:

• Toolkit Handout 4.6 – Coaching on Life Insurance

Module 4.7: Health Insurance Coaching

4.7 VIDEO: Coaching on Health Insurance (1h 2m 31s)

Understanding health insurance marketplace options, employer-sponsored plans, HSAs vs. FSAs, comparing deductibles and premiums, out-of-pocket maximums, network considerations, and coaching clients through open enrollment decisions.

📕 Resources:

• Toolkit Handout 4.7 – Coaching on Health Insurance

Module 4.8: Debt Settlement Coaching

4.8 VIDEO: Coaching on Debt Settlement or Negotiation (43m 53s)

Debt settlement and negotiation strategies, risks and credit implications, when settlement may be appropriate, alternatives to debt settlement, recognizing predatory debt settlement companies, and coaching frameworks for clients considering this option.

📕 Resources:

• Toolkit Handout 4.8 – Coaching on Debt Settlement or Negotiation

Module 4.9: Bankruptcy Coaching

4.9 VIDEO: Coaching on Bankruptcy (57m 8s)

Chapter 7 vs. Chapter 13 bankruptcy differences, when bankruptcy may be the best option, the filing process, impact on credit and future financial opportunities, life after bankruptcy, and providing supportive coaching during this difficult decision.

📕 Resources:

• Toolkit Handout 4.9 – Coaching on Bankruptcy

Comprehensive Toolkit Resources

📕 Toolkit Handout 4.0 – Toolkit Workbook

Complete workbook combining all specialty area resources for comprehensive reference and client use.

📕 16 Additional Supporting Handouts

Supplementary materials providing quick reference guides, decision frameworks, and coaching conversation starters for each advanced topic area.

About Kelsa Dickey (Kelsa Jill)

Kelsa Dickey is the founder and CEO of the Financial Coach Academy and CEO & Money Coach at Fiscal Fitness PHX, a financial coaching practice she launched in 2010 after spending 7 years as a financial advisor and corporate accountant. She created The Plan Ahead Method™, a future-focused budgeting system now used by thousands of clients, which differs from traditional tracking approaches by helping clients set goals with future income rather than analyzing past spending.

Verified Credentials:

✅ Author of “The Financial Coaching Playbook” — Published in 2020, the book teaches how to launch and grow a successful financial coaching business

✅ MBA in Business from University of Phoenix — Completed 2005-2006, along with degrees in personal finance, economics, and accounting

✅ Former Licensed Financial Advisor — Held securities and insurance licensing before transitioning to financial coaching to focus on helping people with day-to-day finances rather than selling investment products

✅ Trained Hundreds of Financial Coaches — Through the Financial Coach Academy online program, Kelsa has educated coaches worldwide on building financial coaching practices

✅ Average Client Result of $38,000 Debt Paid Off — Fiscal Fitness Phoenix has demonstrated consistent client outcomes through one-on-one coaching using her Plan Ahead Method

✅ Media Appearances — Provided money insights and expertise for USA Today, CNN Money, Yahoo, and MSN Money

✅ Host of The Financial Coach Academy Podcast — Weekly educational podcast teaching coaches how to create and grow profitable financial coaching businesses

✅ Featured in Business Publications — Interviewed by VoyagePhoenix and ShoutOut Arizona about building her financial coaching enterprise

Kelsa's coaching philosophy emphasizes creating fluid, flexible spending plans rather than rigid budgets. She was able to take 2-3 months off when adopting her son and later helped her husband Michael retire from his physical therapy career to stay home with their two children, demonstrating the financial freedom her methods created. Her approach to financial coaching focuses on helping clients gain clarity around their finances and confidence in their money decisions without the pressure of product sales or commission-based recommendations.

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

“My client is drowning in student loan debt and doesn't know whether to pursue forgiveness or refinance” — Module 4.2's comprehensive student loan training walks you through federal vs. private loan structures, income-driven repayment plans, and the pros and cons of forgiveness programs vs. refinancing. You'll learn coaching frameworks to help clients evaluate their specific loan situation, career trajectory, and financial goals to make the best decision for their circumstances.

“I have clients asking whether they should buy a house or keep renting, and I don't know how to coach them” — Module 4.3 provides structured approaches for home buying readiness assessments, down payment planning strategies, and rent vs. buy analysis frameworks. Rather than telling clients what to do, you'll learn how to guide them through the factors that matter most for their situation, timeline, and financial stability.

“A client wants to tap into home equity but I'm not sure how to explain HELOCs vs. second mortgages” — Module 4.4 breaks down the key differences between home equity lines of credit and second mortgages, including rate structures, repayment terms, and when each option makes sense. You'll gain the knowledge to coach clients through home equity decisions while helping them understand the risks of leveraging their home.

“My clients are terrified of investing and I don't know how to coach them without giving investment advice” — Modules 4.5 and 4.5B address the most common challenge coaches face: helping clients overcome investment paralysis while maintaining coaching boundaries. You'll learn how to coach on investment fears and beliefs, help clients assess risk tolerance, and guide them in choosing between DIY investing and working with an advisor—all without crossing into financial advising territory.

“A client is considering debt settlement and I'm not sure if it's a good option or a trap” — Module 4.8 covers the realities of debt settlement including credit implications, risks, and alternatives. You'll learn how to help clients evaluate whether settlement makes sense for their situation, recognize predatory debt settlement companies, and explore other debt resolution options they may not have considered.

“I have a client considering bankruptcy and don't know how to support them through this decision” — Module 4.9 provides the framework to coach clients through one of the most difficult financial decisions they may face. You'll understand Chapter 7 vs. Chapter 13 differences, when bankruptcy may be the best path forward, and how to provide supportive, judgment-free coaching during this challenging time while connecting clients to appropriate legal resources.

“I'm losing potential clients because I can't confidently handle complex financial topics” — The complete toolkit gives you specialized training in the most common advanced topics clients ask about. With structured coaching frameworks, attribution phrasing techniques, and client worksheets for each area, you'll be able to expand your practice to serve clients with more complex financial situations and command premium coaching fees.

What Makes Coaching on Advanced Topics in Personal Finance Different from Other Financial Coach Training

Specialty Focus on Complex Topics Most Coaches Avoid — While most financial coach training programs focus exclusively on budgeting, debt snowball methods, and basic money mindset, this course addresses the advanced topics that cause coaches to lose clients or turn them away. Student loans, investing, home buying, insurance selection, and bankruptcy are the areas where clients most need guidance, yet they're rarely covered in standard coach training.

Clear Coaching Boundaries with Attribution Phrasing — The course teaches specific language frameworks for discussing complex financial topics while maintaining the distinction between coaching and financial advising. Attribution phrasing techniques allow you to share objective information about financial products and strategies without stepping into advice-giving, protecting both you and your clients.

Client-Ready Worksheets and Coaching Tools — Each module includes professionally designed PDF handouts and client worksheets that you can customize and use immediately in coaching sessions. Rather than having to create these resources yourself, you receive decision frameworks, comparison charts, and guided worksheets for every advanced topic covered.

Created by a Former Financial Advisor Turned Coach — Kelsa Dickey's background as a licensed financial advisor who transitioned to coaching gives her unique insight into where the lines between coaching and advising exist. She understands the technical aspects of these financial products while teaching you how to coach clients through decisions rather than directing them.

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 specialty training program for financial coaches covering complex financial decisions including student loan strategies, home buying, home equity options (HELOC vs. second mortgage), investment coaching, life insurance and health insurance selection, debt settlement, and bankruptcy. The course teaches coaching frameworks and boundary-setting techniques for addressing these advanced topics without crossing into financial advising.

Who created Coaching on Advanced Topics in Personal Finance?

Kelsa Dickey (Kelsa Jill), founder and CEO of the Financial Coach Academy, created this course. She holds an MBA in Business and degrees in personal finance, economics, and accounting. Before launching her financial coaching practice Fiscal Fitness PHX in 2010, she spent 7 years as a licensed financial advisor and corporate accountant. She is the author of “The Financial Coaching Playbook” and has trained hundreds of coaches through the Financial Coach Academy.

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

The course includes 12 video lessons totaling 7 hours and 38 minutes, 27 downloadable PDF resources including coaching handouts and client worksheets, and 1 image resource. The complete download is 1.66 GB. Video modules cover student loans, home buying, HELOC vs. second mortgage, investing (2 modules), life insurance, health insurance, debt settlement, and bankruptcy, plus welcome and tutorial videos.

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

This course is designed for established financial coaches who want to expand beyond basic budgeting and debt coaching, former financial professionals transitioning to coaching who need to learn coaching methodology, coaches building premium practices serving higher-income clients with complex needs, financial wellness program developers creating comprehensive curriculum, and coaches whose clients are facing major financial decisions that require specialized guidance frameworks.

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

You'll learn coaching frameworks for student loan decision-making (forgiveness vs. refinancing), home buying readiness assessment and mortgage navigation, HELOC vs. second mortgage comparison, investment coaching without giving advice, helping clients choose investment paths, life insurance coverage determination, health insurance plan comparison, debt settlement evaluation and negotiation approaches, bankruptcy decision support (Chapter 7 vs. Chapter 13), and attribution phrasing techniques to maintain coaching boundaries.

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

The course is delivered as 12 video lessons in .ts and .mp4 formats totaling 7 hours 38 minutes 59 seconds, 27 PDF handouts and worksheets, and 1 JPG image. The complete download is 1.66 GB. All materials are downloadable for immediate access and offline use.

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

The core program includes comprehensive toolkit materials with the Toolkit Handout 4.0 – Toolkit Workbook combining all specialty area resources, plus Attribution Phrasing handout, individual module handouts (4.2-4.9), client worksheets for investing decisions and financial advisor selection questions, and the Toolkit Handout Template Tutorial showing how to customize all PDF resources for your coaching practice.

What is Kelsa Dickey known for?

Kelsa Dickey is known for creating The Plan Ahead Method™ budgeting system, founding the Financial Coach Academy that has trained hundreds of coaches, authoring “The Financial Coaching Playbook” published in 2020, building Fiscal Fitness PHX with an average client debt payoff result of $38,000, providing expert commentary for USA Today, CNN Money, Yahoo, and MSN Money, and hosting The Financial Coach Academy Podcast teaching coaches how to grow profitable practices.

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

This course specifically addresses complex financial topics (student loans, investing, home equity, insurance, bankruptcy) that most coach training programs don't cover, even though these are the areas where clients most need guidance. It teaches attribution phrasing techniques to maintain clear boundaries between coaching and financial advising, includes client-ready worksheets and handouts for each topic, and was created by a former licensed financial advisor who understands both the technical aspects and the coaching methodology needed for these sensitive topics.

Sources:

• Kelsa Dickey | Financial Coach Academy CEO
• Kelsa Dickey – Financial Coach Academy | LinkedIn
• The Financial Coaching Playbook: How to Easily Launch & Grow Your Coaching Business
• Kelsa Dickey | Money Coach & CEO | Fiscal Fitness PHX
• Meet Kelsa Dickey of Fiscal Fitness Phoenix, Inc in Mesa – VoyagePhoenix
• Listen to the Financial Coach Academy® Podcast