Empowering You

to overcome obstacles and improve your financial reality

Looking for help with Suite-Dash? Let us know when you schedule your call.

Mastering SuiteDash is offered as part of our Business & Technology Coaching Program

Invest in Yourself & Your Financial Future

A good paycheck isn't enough to guarantee you will have financial stability in our current culture. When you take the time now to get support, build effective systems, adjust unhealthy mindsets, and learn how to successfully manage money the odds of you reaching your dreams go way up. When you become our client you gain access to industry-leading expertise, insights, customized tools, and resources that bring lasting results.  

Experience what happens when you add an expert who holds you accountable and cheers you on:

  • Learn how to create a simple, sustainable money system that works for you
  • Gain control of distractions, chaos, and expenses so you can start making financial decisions with confidence
  • Cultivate a wealth-oriented money mindset that will move you from surviving into a life of abundance
  • See the benefits of living for today’s experiences while saving for a healthy financial future
  • Take control of your finances with a guide who understands your story and customizes a program to help you reach financial goals and challenges
  • Gain peace, balance, and contentment in relationships, work, life, spirituality, and health
  • Ensure your financial choices are a blessing to you and your key relationships
financial freedom to enjoy life

"Kathy is a wonderful coach and a great cheerleader to have in your corner. Starting up a business can feel a bit overwhelming! I reached out to Kathy to get some basics in place and she brought me beyond what I had hoped for. Within 3 months, I have a solid structure in place and so much more focus. Kathy's skilled coaching and encouragement has empowered me to believe in my abilities as a capable and confident business woman. "

Kim Driedger

Kim Driedger

Spark Growth Coaching (Canada)

What program are you looking for?

We do not sell insurance, investments, or other financial products. We focus on behavior change that will help you become intentional, equip you with proven success habits, and provide accountability to follow through.

The programs listed below are our most popular and can be customized to suit what you really need.  During your Discovery Call, we will look at the best options to get the results you are looking for.

Financial Coaching give you direction and support


6 sessions (individual, couple, or group coaching)

This is a fun and engaging deep dive into the skills necessary to build a solid financial foundation: understand the flow of your money, aim it at what really matters, build a strategy that is unique to you, learn how to use basic money tools, and gain confidence with your money decisions. Sign up on your own or gather a group so you can learn together. LET'S TALK!

Groundwork is growing and can now be licensed to equip financial coaches and organizational leaders in the USA and Canada with everything they need to run an effective Financial Literacy program.

3-4 sessions (individual, couple, or group coaching)

Learn to make difficult decisions well. Understand why you make choices, and how to adjust for better results. From there, define where you want to go, how you will get there, which problems to pay attention to, and how to solve them. This process is the key to making great decisions. LET'S TALK!

Single 90 minute session (individual or couple)

Understand and heal your money story. Change generational patterns of lack and unhealthy financial cycles. Discover how your personality interacts with money. Address unhealthy mindsets around money. Learn what you need to build healthy systems and habits for long-term sustainable results. LET'S TALK!

3-session, 10-session, or ongoing monthly sessions

Maybe you have already learned how money works and how to budget and it just doesn't seem to work. The numbers don't stick, the habits are fleeting, you've really tried and feel like giving up. What you are looking for is peace, clarity, confidence, accountability, encouragement, a trusted resource, and the ability to go beyond just knowing to seeing the results of putting new habits it into practice. Make a change that sticks and find practical tools that actually work for you. LET'S TALK! 

3-session, 10-session, or ongoing monthly sessions

If you are sick of feeling like what's most important to you is being neglected and owning a business isn't as fun as you expected LET'S TALK! 

We love coaching leaders and service-based entrepreneurs to understand and develop tools, systems, and marketing for serving their clients with excellence.

Customized Schedule & Topics to suit your needs
Money Mavericks Coaching is designed to equip youth and young adults with a holistic overview of how money works and how to make it work for them.

This program can be tailored to different ages and can be paired with our other programs to make it an holistic intergenerational experience.

Fun and informative content that is delivered through activities, videos, and video game adventures. Everything is packaged with live sessions with a professional financial coach.

Parent and Student Guides are provided so you can engage in the program with your teen and talk about money together, even if you don't feel confident about the topic of finances.

Customized Program to suit your needs

Implementing a financial wellness program is a great way to show your team that you care and it can help you be seen as an employer of choice. The support, guidance, skills, and community that is built through learning about money together has massive benefits even beyond your bottom line.

Our Financial Wellness Programs are completely customizable so you can offer your team a benefit that will truly serve them and improve your organization’s working culture.

We’ve got the experience and manpower to launch and maintain an integrated Financial Wellness program that can help you empower your workforce for good. LET'S TALK!

Customized Program to suit your needs

We are passionate about helping facilitate spiritual wholeness that results in faithful stewardship, intentional living, a culture of generosity, and action for God's Kingdom.

A holistic financial wellness program can be implemented seamlessly for churches and parachurch organizations using our experience and access to extensive resources to craft a solution specific to your needs.

If you are a leader who wants to implement Christ-Centered Stewardship Training and Financial Inner Healing for the Christian families you influence we'd love to connect with you. Stewardship Programs are run through our ministry department: Biblical Finance.

"Kathy is knowledgeable and skilled as a financial coach. She is very kind and graceful when working with clients."

Ron Povaleri

Ron Povaleri

Lighted Tunnel Financial Coaching (USA)

About Kathy Steffan

I'm Kathy and am the owner of Steffan Consulting Inc. We provide Holistic Financial Wellness Programs for Micro-Business Owners and Organizational leaders who influence Millennials and Gen Zers. We also take on a small number of  clients for coaching in personal finances, small business start-up, & technology training.

I owned and operated a graphics and web design company for over 20 years, wrote and ran courses for youth and young adults, published 2 courses on web design that were sold to a US curriculum company, and developed the Groundwork financial literacy curriculum which is peer reviewed and endorsed by the Accountable Network. Within the technology industry, I am a recognized SuiteDash Agency Partner and help coaches in our network create their own portals that are effective, efficient, and bring their businesses to a new level. 

I am a mentor in the coach training organization, Coach Connections, LLC (an industry leading network of financial coaches that has been around since 2009) and am a key leader in their associated Accountable Network.

I work virtually from Calgary, Alberta, Canada and serve people from all around the world.

Kathy Steffan
Kathy Steffan

Our Training

We believe in ongoing learning and development and are active members of these organizations. We are currently working toward achieving the Accredited Financial Counselor Canada® designation (AFCC Certified).

Active Coach Connections Member
Active Accountable Network Member
Active Financial Sozo Core Team Member
Active Accountable Community Team Member

Life Without Money Woes

Daylan & Crystal have been journeying with us since they were engaged. They paid for their honeymoon with cash, went to Europe for their first-year anniversary using cash, and just bought their first house.

They are comfortable having hard money conversations.
They can laugh together about their differences.
They have a strong WHY & know their priorities.
Money is an area of unity and peace in their lives.

Watch the video to hear what they have to say.

"Kathy is compassionate while keeping you accountable. She equips young entrepreneurs to look and function as a successful business. Run your business with confidence, manage your business finances quickly and effectively, prioritize and systematize administrative must-dos. Have your purpose decide your strategies to run a thriving business that gives you life! "

Lisa Sretenovic

Lisa Sretenovic

Business Coach | CPA (USA)

How to Start

To gain full access to us, our tools, and the resources of our network will require some money and a commitment.

Everyone's journey will be different, but there are common structures we can use for getting excellent results. During your Discovery Call, you can ask questions and get some helpful tips. If you are interested in becoming a client, we will give you our recommendations for moving forward and let you know the cost. We have a diverse range of programs available and will create a plan to fit your budget. Once you pay a deposit on your program and sign the coaching agreement, you can start scheduling sessions.

We provide a free Personal Financial Assessment for anyone who signs up for a Discovery Call.

We equip you to go farther, faster

  • Industry-Leading Coaching Methodology
  • Customized Instruction & Support Materials
  • Secure Communication Portal
  • Text/Phone/Email support as needed
  • Personalized Success Plan
  • Access to Online Courses
  • Planning Forms & Worksheets
  • Mindset & Personality Assessments
  • Addressing Generational Traps & Habits
financial freedom to enjoy life

A Safe Place to Learn About Money

Coaching for Ryan & Jenna started with Groundwork and then became a custom program specific for them. We were able to go where they wanted to go, answer their unique questions, and help them implement a plan to reach their goals. They were given tools to organize themselves and developed habits that stuck. Coaching gave them a safe place to speak candidly about finances with someone who is not emotionally attached to their decisions. 

Watch the video to hear what they have to say.

"There were several things that I had either not considered, or was simply very good to refresh and build upon. Things that were relevant to me or will be in the near future like buying a car, housing or interesting topics like insurance, identity theft or compound interest were reasons why this class was quite a good tool that I'll be able to use in the near future. "

Money Mavericks Student

Money Mavericks Student

Teenager (Canada)


We will answer all your questions during your free, no obligation Discovery Call. Some common ones are listed below.

Financial Coaching give you direction and support

Coaching cuts through all the generic financial tips, suggestions, and advice to deliver the information that's right for you in a way you can understand it. It allows for customized solutions, creative problem solving, and the accountability needed to bring sustainable results.

We take the time to get to know you, learn how you work with money, figure out the best way you learn, identify obstacles you have, help you process unhealthy beliefs, address the root issues behind destructive financial cycles, and give you customized tools that will work for your situation and personality.

During your Discovery Call, we will recommend a basic outline. Within the first few coaching sessions, you will have a Personalized Success Plan with a schedule that works for you.

For example, typical coaching sessions are 45 minutes long and Deep Dives run for 90 minutes. Sessions are held weekly or biweekly, depending on what you need. These set times are mainly for accountability and to help you get traction. You can reach out at any time for additional help. 

We don't sell insurance, investments, or other financial products which allows us to be unbiased and remain focused on what you need.

Our programs highlight education, help process unhealthy mindsets, and encourage healthy habits which all lead to better results in your financial behavior.

Our role is to help you understand the importance of surrounding yourself with wise counsel, answering any questions you may have, discuss options, and have frank conversations about where your choices could lead you. We do not provide advice on products to choose — we arm you with information then you make a decision.

When it comes time to invest or buy insurance, we ensure you know exactly what questions to ask and how to find the right person to take care of those purchases.

Results vary by participant and the effort they put in.

Every person has unique objectives, ideas of success, and specific obstacles they are trying to overcome financially. We believe that it’s far more useful to focus on building a strong foundation when it comes to mindset, behavior, and habits, to ensure consistent, sustainable results.

As a baseline, most of our clients begin feeling a sense of peace as soon as they sign up, experience improvement in their relationships and sleep within 45 days, and report improved psychological well-being after working with us for 3-months.

Many clients who fully implement our programs have reported an improvement of over $600 in cash flow per month, and 94% have an emergency fund established within 45 days.

We work hard to minimize judgement of you and your decisions. In fact, we encourage you to be frank about any negative feelings you encounter — money conversations are notorious for bringing them up. 

Coaching is about moving forward, not beating yourself up over past mistakes. Regret, embarrassment, and guilt are common feelings clients share with us, but our job is to offer solutions that empower and uplift you.

Our role is to listen, educate, assist, highlight options, support, encourage, and challenge you to meet your goals.

Note: The LGBTQI2A+ community deserves honor and respect when getting help with their business and finances, too. We want this to be a safe space for them and are happy to have a conversation to see if we are the right coaches to help. If we are not a good fit, we can draw on our network to make sure they are matched with a coach who is.

What happens in a coaching session, stays in a coaching session.

We also don't collect any sensitive personal data (social security number, bank account info, etc.). We do not share your email or any other contact information with any outside agency, vendor, or partner without your approval.

We use a secure HIPAA compliant portal and encrypted messaging for communication and file storage, which keeps all your work safe from interception.

Every person and every group is different. A short Discovery Call helps us understand you, where you are at, and where you want to be. It's also an opportunity to see if we are the best fit for what you are looking for. Once we gain that understanding, we can outline an effective program for you.

We have a youth & young adults program that can be run for individuals, a group of teenagers, or for families with kids aged 15-17 (older kids will do better with Groundwork).

We have found the best results come when the leaders and parents of these kids understand the language and concepts being taught and have experienced the benefits of financial coaching first-hand. If leaders and parents do not have this experience, we can create an intergenerational learning experience for everyone.

Check out Money Mavericks for details on our kids & family programs.

Steffan Consulting Inc is not identified as a Christian company. The practical skills and tools that are part of our programs are universal and applicable to anyone.

We do have a ministry department, called Biblical Finance, that works specifically with Christ-Centered churches.

Our leaders, Chris and Kathy, are people of strong faith who are trying to live in a way that reflects the character of Jesus. They are happy to share their faith if you ask them to and will honor your preferences if you don’t.

If a client wishes, we can explain Christian beliefs in the teaching as well as provide opportunities for prayer. 

Find out more about Biblical Finance.

Guided Steps to Financial Freedom

We are part of the Accountable Network

This network provides access to a team of the best financial coaches in the world which gives us an endless resource of knowledge and expertise to help navigate anything you can throw our way.

Using the proprietary tools and resources available through the Accountable Network allows our clients to move quickly past basic budget and debt reduction conversations to strategic coaching that results in sustainable and transformational growth.

Helpful Articles

Our colleagues have collaborated to create a vault of high-quality financial information for anyone to gain wisdom from. We've highlighted some articles below. Click the image to read the article.


Individual results may vary. Every person has unique experiences and applies the information in a different way. Thus, the experiences that we share from other people may not reflect the typical clients’ experience or guarantee that anyone will achieve the same or similar results. This publication is designed to provide accurate and authoritative information with regard to the subject matter covered. It is the understanding that the publisher is not engaged in rendering legal, accounting, or other professional advice. If legal advice or other expert professional assistance is required, the services of a competent professional person should be sought. From a Declaration of Principles jointly adopted by a Committee of the American Bar Association and a Committee of Publishers and Associations.

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