The version of financial coaching my own family needed didn’t exist. So I went and built it.
Years ago, my wife and I made the decision to homeschool. It was the right call — I’d make it again every time. What I wasn’t prepared for was the financial conversation that followed.
Every financial professional I sat with operated from the same unspoken assumption: a second income was either already there, or coming back soon. Their models broke when I put in one paycheck and didn’t put in a college fund. Their recommendations — max out the 401(k), max out the 529, build a six-month emergency fund — were mathematically correct and practically useless to my family.
I’d done some financial work in my career. I knew enough to know they weren’t wrong. They just weren’t useful. There’s a difference.
Stewardship is not the same as accumulation. Saving for retirement and saving for your children’s education and giving generously aren’t three goals competing for the same dollar — they’re three buckets that need to be filled in the right order, in the right proportion, for your specific family.
That sequencing problem is what real financial coaching solves. And I couldn’t find anyone solving it for the people I knew.
So I went back to school. Passed the CFP® exams. Worked through the technical training. Started building the practice I would have hired myself.
I’m a homeschool dad. I’ve sat at the same kitchen table running the same math you’re running. I know what it costs to choose calling over career income, and I know it’s worth it — and I know it requires more financial intentionality, not less.
I’m a person of faith. That shows up in how I think about money, but not in how I work with clients. I serve families of every background. The practice is faith-informed, not faith-restricted.
I’m a coach. Not a salesperson, not an asset manager, not an insurance agent in disguise. I get paid by you, for coaching. That’s the whole business model.
Credentials don’t guarantee good coaching. But the absence of them should tell you something. Here’s what I’ve earned and where I keep learning.
I’ve passed the comprehensive CFP® exam and I’m completing the experience hours required for the mark itself. The CFP® designation is the recognized standard for comprehensive financial planning, awarded only after examination, experience, ethics, and ongoing education requirements are met in full.
Advanced technical training in cash flow, tax, retirement, and estate planning — specifically focused on real client work, not just theory.
I’m paid by clients, not by product companies. No commissions, no sales quotas, no hidden incentives. Just coaching.
Not a goal. Not a scoreboard. A tool for the work your family is actually here to do.
The right question isn’t “how much can I pile up.” It’s “what is this for, and am I using it well.”
A boring blueprint executed for ten years beats a clever idea executed for three months. Every time.
Choosing an unconventional path isn’t a financial mistake to recover from. It’s a context to coach around.
You can save for retirement and for education and give generously. The work is in the sequencing.
The mark beside “OnTrack Planning” is a cairn — the small stack of stones hikers build along a trail to point the way forward and confirm, at a glance, that you’re still headed the right direction. It felt like the right symbol for this practice: not a map handed over and forgotten, but a marker you can trust is keeping you on track.
Look closely and the stack isn’t perfectly centered; each stone sits slightly off from the one below it. That’s on purpose. Financial coaching is a human process, and humans are imperfect, always a work in progress. A perfectly stacked cairn would be a lie about how this actually goes.
The top stone is a small gold circle, not another rock. It stands for the 360-degree nature of the work because every place money touches your life belongs in the conversation, not just the accounts with your name on them.
And the stones themselves are ovals, which is the detail I like most. They remind me of the Tower of Hanoi, the classic math puzzle that only resolves through a precise, patient sequence of moves. Coaching cash flow toward education and retirement, while still living well and giving generously, is an intricate route with a real order of operations. That’s the road map we build together.
My family is the reason this practice exists. We homeschool, we serve at our church, we spend evenings around the dinner table. I do woodworking when I need quiet. I read widely — theology, finance, history, and the occasional novel my wife insists on.
None of this is a personal flourish on the website. It’s the context that makes the work make sense. I’m not someone who pivoted into homeschool family coaching — I’m a homeschool dad who pivoted into coaching.
30 minutes. Free. No pitch. Just a conversation about whether full-stack coaching fits your life right now.