Why You Need a Financial Coach Alongside Your Financial Advisor

When most people think of getting financial help, they immediately think of a financial advisor — someone who helps manage investments, retirement accounts, and big-picture planning.

But there’s a missing link.

That link?
A financial coach.

While advisors focus on your future net worth, a financial coach focuses on your right-now financial habits. When you work with both, you create a full-circle money support system.

 What’s the Difference?

• Financial Advisor: Manages wealth, investments, retirement, insurance, and long-term plans. Often licensed and focused on portfolios.

• Financial Coach: Helps with budgeting, debt, saving, spending habits, and day-to-day money decisions. Focused on behavior, mindset, and systems.

They’re both valuable — but they don’t do the same job.

 Why You Need Both on Your Team

1. Coaches Help You Master the Basics

Many people go to an advisor but still struggle to budget, save consistently, or pay off debt. A coach helps you build those habits, so your advisor’s strategies can actually work.

2. Bridging the Gap Between Advice and Action

An advisor may give you great investment recommendations, but a coach walks with you week by week as you build the discipline and systems to follow through.

3. Getting Out of Debt First

Your financial advisor may not help you navigate credit cards, payday loans, or collections. A coach does — and helps you free up cash for investing later.

4. Accountability and Encouragement

Coaches check in regularly, celebrate wins, and offer non-judgmental support. That motivation can be the difference between progress and procrastination.

5. Customized Daily Support

A financial coach helps you build a real-life, real-time budget, tweak it monthly, and get through tough seasons. That’s not what investment professionals are trained to do.

 You Deserve a Whole Team

Think of it like this:

• Your stock broker grows your wealth.

• Your financial advisor protects and plans your wealth.

• Your financial coach helps you build that wealth from the ground up — paycheck to paycheck, decision by decision.

Each plays a unique role. But together? You get clarity, confidence, and long-term success.

Ready to Work With a Coach?

If you already have an advisor but feel like your day-to-day money is still a mess, it’s time to get the support of a coach too.

Arctic Rose Financial Coaching can help you take control of your finances — from mindset to monthly budget.

Book a Snapshot Call or email me at kyleeogden@arctic-rose.com
Let’s build your team — and your future.