Welcome to Wealth and Wisdom Coaching

Personalized Financial Coaching

Hi. I’m Justin Jarrell (he/him), based in Bellingham, Washington. I help people take control of their money through clear, practical guidance. My goal is to offer clarity and peace of mind for your financial life.

Send inquiries to justin@wealthandwisdomcoaching.com

Or call/text: 360-230-8562


Hours: Mon–Thu 2–5pm, Fri 8–5pm (PT)
If you reach out outside these hours, I’ll get back to you as soon as I can.

Check out my blog for personal finance tips.

What is a Financial Coach?

Most Americans live in a constant state of financial stress. According to every source I’ve read, at least 60% live paycheck to paycheck, and many say they cannot afford a $1,000 emergency without borrowing or using credit cards. For a lot of people, this creates a never ending cycle of late payments, mounting debt and feeling zero hope that their situation can change. 

A financial coach steps in as a guide, helping people calm the chaos, get current on bills, and build a more stable foundation. Part of this journey includes getting control with spending and finding margin in the budget to begin working toward the next phase, which is moving from stability to financial security involving building a fully funded emergency fund, getting control of debt and executing a plan to pay down the debt, and starting to plan for the future. Once the basics are mastered, the focus shifts to long-term wealth building so clients can begin to visualize a future where work looks more like an option instead of mandatory (hello, financial independence and freedom!).

The goal isn’t just about numbers. It’s about replacing anxiety and a “I CAN’T” mindset with confidence and “I CAN”, giving people back control of their money and their life.

Typical Clients

I help people in a wide variety of life situations, including:

  • Adults struggling to make ends meet and looking to regain financial stability

  • Teenagers and college students who want to start life off on the good financial footing

  • College students and recent grads learning to manage money, budgets, and a new income

  • Single professionals balancing rent, bills, savings, and lifestyle choices

  • Couples improving money communication, combining finances, and setting shared goals

  • Individuals navigating divorce or single parenthood and adjusting to one income

  • First-time homebuyers preparing to save for a down payment and manage ongoing costs

  • Therapy or financial advisement clients who want separate, practical money coaching

  • High earners who want to get organized and start building serious savings and investments

Testimonials

“Justin is a compassionate, intuitive, and highly skilled financial coach. His ability to meet people where they are, with empathy, clarity, and deep understanding, paired with his extensive training and financial expertise, makes him exceptionally effective in helping clients move beyond roadblocks and limiting beliefs. He brings a rare blend of insight, professionalism, and heart to each session, creating a space where even the most overwhelmed clients can move forward with confidence and ease. His warm and grounded presence helps you feel seen, supported, and genuinely empowered. I wholeheartedly recommend Justin to anyone ready to restore their financial well-being and create a life rooted in stability and freedom.”

-Alexandria

“Growing up, neither one of our families discussed money, budgets, or finances (at least not in front of us kids). So, our perception of money was limited and frankly, rather laissez faire. Either you had it or you didn't. As long as there was a money in our bank account and available credit on our cards, we thought we were good to go. Oh, how wrong we were! Even after realizing we had a problem, we didn't know where to start until we saw a post in our local community Facebook group from Justin. He was offering group financial coaching sessions. It was just what we needed. Justin is open, honest, and has no issue with asking the hard questions to hold us accountable.

These last few months have been eye-opening and literally, life changing for our family. We have gained confidence and feel more comfortable in discussing all aspects of our finances with Justin, with each other, and with our boys. 

We highly recommend Justin and his financial coaching services!”

-Laura & Steve

“Justin helped me in a way that no other financial coach has. I had struggled for years and he was able to explain things to me that actually made sense for my lifestyle and goals that no one has before.  He put things in perspective that went beyond just my financial situation. Working with him has opened doors of thought to how I want to grow in my life and opened a platform of conversation with my partner that has previously been too delicate to talk about. He provides an organized, safe, trustworthy environment with a patient and kind approach. I am thankful for working with Justin.”

-Jenne