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Financial Recovery Counselors
The following counselors
have been trained and certified in the Karen McCall MoneyMinder® system
and have developed unique practices for working with their clients.

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Danielle Ray, MA, MFT
Financial Counseling
Having been a psychotherapist for the past 10 years, Danielle Ray holds a firm belief that money and psychology cannot be separated. Money issues are where the symbolic/emotional meets the concrete. Realizing the limitation of solely working from a psychological perspective, she became trained as Financial Recovery℠ Counselor. Her work is practical, intelligent, and informed by years of study and clinical practice. Though her financial recovery℠ work is not therapy, you will likely find it transformational.
Danielle has an office in the Rockridge district of Oakland and in San Rafael. To contact her directly call (510) 433-9991 |

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Lauren Spelman
Financial Counselor
Sage Financial Renewal
Lauren Spelman is dedicated to helping her clients transform their relationships with money to live more refreshing, uplifting and expansive lives. A successful business owner for 20 years who transformed her own life through the principles and tools taught by the Financial Recovery Institute, Lauren brings to her practice keen business insight, vibrant enthusiasm, and an understanding, compassionate heart. She knows firsthand how a positive relationship with money, grounded in reality, frees one from certain spending/saving cycles and expands one’s possibilities and positive choices.
Partner with Lauren to begin your own path of transformation and renewal. You can contact her at (415) 945-1800 or Lauren@SageFinancialRenewal.com. |

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Terri de Langis
InSync Financial Counseling
Terri de Langis, a successful business owner for 15 years, has experienced financial freedom by using the Money Minder™ system. She now helps others become conscious of, and connected to, their money. Terri leads her clients out of the spiral of under-earning and compulsive debting. She cares about her clients, and is passionate about working with them through this exciting process. Terri has a San Rafael, California office, and does telephone counseling nationwide. You can contact her by phone at (415) 472-2938 or by e-mail at terri@insyncfinancial.com.
www.insyncfinancial.com/ |

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Shelley Bayol
Finding Financial Balance
Shelley Bayol helps clients anywhere in the United States find financial balance through her powerful telephone counseling. She has expertise working in the area of addiction. Having been there herself, she brings empathy and understanding to those in recovery. She works with individuals, couples and business owners helping them to achieve financial balance in their lives. Let Shelley’s compassionate counseling put you on the path to financial freedom and lead you to a more joyful life. You can contact her by phone at (925) 349-6699 or by e-mail at: www.findingfinancialbalance.com. |

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Terri Ciochetti, MA, MFT
Terri Ciochetti, MA, MFT is a licensed psychotherapist and Financial Recovery Counselor. She works with individuals and couples in attaining their personal, professional, and financial goals. She has a compassionate, warm, and engaging style. Terri started her working life in finance, then made a career change to follow her passion for psychology, and more recently has synthesized these paths in becoming a Financial Recovery Counselor. She believes that bringing these two elements together, the emotional and the financial, allows for exciting change on multiple levels. Work with Terri and "feast on your life" as she likes to say!
Terri will see clients in her office in East Sacramento and is also available for telephone counseling. She can be reached at (916) 529-3723. |

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Mikelann Valterra, MA
Women’s Earning
Institute
The Women's Earning Institute is dedicated to helping self-employed
women and independent professionals overcome underearning. It specializes
in understanding the emotional and psychological connections behind
why women undersell themselves and provides women with the tools
to earn at their potential. You can contact her at (206) 634-0861
www.womenearning.com |

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Barbara Hause
Financial Counseling
With a supportive, non-judgmental communication style, Barbara
finds counseling people on money matters to be a natural fit with
her business and financial background. As she has witnessed her
clients’ successes, she has become more passionate about working
with people to resolve their issues with money. Barbara holds appointments in person at her office in San Ramon, California or by telephone nationwide. You can contact her at (925) 743-0518 or toll-free at (800) 497-2319.
www.barbarahause.com |

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Sue Holm
Sue Holm is a Financial Counselor with a private practice based in Seattle, Washington. She uses a proven, workable method to help individuals and couples Make Peace with Money®. Sue Holm works with clients who live outside the Seattle area using the telephone and internet.
Sue Holm brings more than 20 years experience as a successful trial lawyer to this work. She understands the mindset of lawyers and their particular money issues.
Sue Holm is an experienced and talented speaker, and is available to speak to groups on issues of debt management, personal finance and aligning time and money with personal and spiritual values.
To schedule an appointment, call Sue at: 206-612-6796, or e-mail her at:
makepeacewithmoney@msn.com |

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Paul Newman
Financial Counselor
Paul Newman has been a C.P.A. in Florida for over 20 years and has a broad business and financial background, ranging from individual counseling and consulting to chief financial officer for large corporations. His approach is to combine the economic realities of today’s world with the very real human, emotional elements that drive so much of our financial lives. Paul works with individuals, couples, and businesses. He uses his organized, goal-oriented business background to help clients get a strong grip on their own finances, and allow them to achieve the level of success that works for them.
Paul has an office in Vero Beach, Florida and can work with south and central Florida clients in person, or conduct telephone appointments nationwide. He can be reached at (772) 567-1799, paulnewman7@bellsouth.net
http://getfinancialsolutions.com/ |
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