Master money like it's already yours.
I'm Sarah Kefi — a financial consultant helping ambitious people build wealth with clarity, not overwhelm. One-on-one coaching, honest lessons, and a plan you'll actually stick to.
- Certified Financial Consultant
- 4.9/5 from 200+ clients
- Judgment-Free Guidance
Financial consulting for real life
Pick a single session or ongoing coaching — every plan is built around your numbers, not a generic template.
1:1 Financial Clarity Session
A deep-dive look at your full financial picture — income, spending, debt, and goals — with a clear next-steps plan.
Debt Freedom Roadmap
A step-by-step payoff strategy tailored to your interest rates and income, so you know exactly when you'll be debt-free.
Investing Starter Plan
Learn how to open your first accounts and build a simple, diversified investing plan you understand and trust.
Budget & Cash Flow Audit
A full review of where your money is actually going, with a realistic budget that fits how you live.
Corporate Money Workshops
Financial wellness workshops for teams — budgeting, benefits, and investing basics your employees will love.
Ongoing Wealth Coaching
Monthly check-ins to track progress, adjust your plan, and stay accountable as your income and goals grow.
Financial guidance you can actually trust
A Stockholm girl at heart 🇸🇪 — equally happy elbow-deep in cinnamon bun dough or elbow-deep in your bank statements. Sarah swapped a life measured in kanelbullar for one measured in compound interest, but the recipe's the same: patience, the right ingredients, and a little Swedish stubbornness until it turns out right.
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Judgment-Free Guidance
Whatever your starting point — debt, no savings, a windfall — you'll be met with a plan, not a lecture.
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Real Numbers, No Jargon
Every session is grounded in your actual accounts and cash flow, explained in plain language.
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Personalized Plans
No templates. Your plan is built around your goals, your risk comfort, and your timeline.
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Proven Track Record
8+ years and 500+ clients coached toward paid-off debt, first investments, and real savings.
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Flexible Virtual Sessions
Book, reschedule, or message between sessions online — wherever you are.
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Ongoing Accountability
Regular check-ins keep your plan on track long after the first session ends.
Learn the basics, on your own time
Short, practical lessons on the money topics that matter most — no finance degree required.
Budgeting Basics
Build a budget that actually reflects how you live — and that you'll stick to past January.
Read the lesson →Building an Emergency Fund
How much to save, where to keep it, and how to build it up without feeling deprived.
Read the lesson →Investing 101
The difference between saving and investing, and how to open your first account with confidence.
Read the lesson →Understanding Credit Scores
What actually moves your score — and the myths that are quietly holding you back.
Read the lesson →Debt Payoff Strategies
Snowball vs. avalanche — which payoff method fits your debt and your motivation style.
Read the lesson →Retirement Planning Foundations
401(k)s, IRAs, and compound growth explained simply — starting wherever you are today.
Read the lesson →Get started in 3 easy steps
Book your free consult
Tell me about your money goals and where you feel stuck.
Get a personalized plan
Choose a single session or ongoing coaching — whatever fits your goals.
Grow with confidence
Follow your plan with ongoing support, so progress actually sticks.
See what consistent saving can do
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Packages for every stage
Start with one session or commit to ongoing coaching — there's no pressure either way.
Single Session
- Full financial clarity review
- Personalized action plan
- Follow-up summary & resources
- Email support for 1 week
Clarity Package
- Everything in Single Session
- Custom budget & debt payoff plan
- Investing account walkthrough
- Email support for 6 weeks
Wealth Partner
- Monthly 1:1 coaching sessions
- Ongoing plan adjustments
- Priority messaging access
- Quarterly progress review
Trusted by people rebuilding their money story
"Sarah helped me pay off $18k in debt in under two years. I finally look at my bank account without dread."
"I opened my first investment account after our session and actually understood what I was doing. No fluff, just a plan."
"A year into Wealth Partner coaching and my savings rate has tripled. Sarah keeps me honest without ever making me feel judged."
Frequently asked questions
Do I need to have my finances "together" before we start?
Not at all. Most clients start with debt, no savings, or years of avoiding their accounts. We start exactly where you are.
Is this financial advice or financial coaching?
I offer financial coaching and education — practical, personalized guidance on budgeting, debt, and investing basics. For licensed investment advice or tax filing, I'll point you to the right specialist.
What happens in a first session?
We'll look at your full financial picture together — income, spending, debt, and goals — and leave with a clear, written action plan.
Are sessions in person or virtual?
All sessions are virtual, so you can join from anywhere. Every session includes a recording and written summary to keep.
Can I switch between packages?
Yes. Many clients start with a Single Session and roll into the Clarity Package or Wealth Partner coaching once they see their plan in motion.
Book your free 20-minute consult
Fill out the form and I'll follow up within one business day to find a time that works. Prefer email? Reach out directly.
- hello@kefifinancial.example
- Virtual sessions, worldwide
- Mon–Fri, 9am–5pm