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Your Money Coach Financial Services
Ashley Foster launched Your Money Coach Financial Services as a financial coaching, education, and credit repair practice in Torrington, Connecticut.
Your Money Coach Financial Services
Ashley Foster launched Your Money Coach Financial Services as a financial coaching, education, and credit repair practice in Torrington, Connecticut. The firm's service model centers on flat-fee sessions rather than commission-based sales or assets-under-management fees. This structure separates it from registered investment advisors and broker-dealers — Foster does not manage portfolios or sell financial products, focusing instead on cash-flow management, credit counseling, and basic financial literacy instruction for individuals and households. The practice offers one-on-one budgeting sessions, debt reduction planning, credit report reviews, and financial education workshops. Service delivery emphasizes behavioral change over portfolio construction; clients typically arrive seeking help with credit card debt, student loans, or spending discipline. Because the firm does not hold client assets or execute securities transactions, it operates outside the regulatory perimeter that governs wealth managers and registered investment advisors — a structural fact that shapes both its pricing and its liability profile. Your Money Coach operates as a solo practice in northwestern Connecticut. Public records show no additional offices, investment vehicles, or adjacent philanthropic structures — the firm appears to be a single-principal service business with a local client footprint. No AUM or deployment figures are published, consistent with a practice that does not gather or manage investable assets. The firm's structural differentiator is its pure coaching posture: flat fees, no product sales, no custody, and a curriculum built around behavioral money habits. This model sits outside both the fiduciary RIA framework and the suitability-standard broker-dealer framework, creating a distinct category — the financial coach as educator, accountable directly to the client rather than to a regulator or product manufacturer.
General information
Firm type
other
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Torrington
Corporate office
Torrington, CT, United States
Principals
Ashley Foster
Financial Coach
Sector focus
Frequently asked questions
Does Your Money Coach manage investment portfolios?
No. Ashley Foster's practice is a financial coaching and credit repair service, not a registered investment advisor. The firm does not hold client assets, execute trades, or recommend specific securities. Sessions focus on budgeting, debt reduction, and financial behavior patterns rather than portfolio construction.
How does the firm charge for its services?
The firm operates on a flat-fee model for individual coaching sessions and workshops, as outlined in its public-facing materials. This differs from the assets-under-management or commission-based fee structures common among wealth managers and broker-dealers. The flat-fee design removes the incentive to gather client assets, aligning the firm's revenue solely with the coaching engagement itself.
What is the firm's regulatory status?
Because Your Money Coach does not provide investment advice, sell securities, or manage client portfolios, it operates outside the registration requirements that apply to registered investment advisors (RIAs) and broker-dealers. This means the firm is not subject to SEC or FINRA oversight, though it must still comply with applicable consumer protection laws for its credit repair and coaching services.
Who is the firm's typical client?
The practice serves individuals and households, often in northwestern Connecticut, who seek help with budgeting, debt management, and credit improvement. Clients are generally not high-net-worth investors seeking portfolio management, but rather people looking to establish basic financial stability through behavioral coaching and accountability.
Is Your Money Coach affiliated with a larger financial institution?
No. Public records indicate the firm is an independent solo practice founded by Ashley Foster in Torrington, Connecticut. There is no evidence of a parent company, outside capital backing, or affiliation with a bank, broker-dealer, or wealth management platform.
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