Savvy Financial Habits is a veteran-owned financial coaching firm based in Metro Atlanta, Georgia. The firm serves clients both locally and nationwide through remote coaching engagements, working with individuals who want to build lasting control over their personal finances rather than rely on automated budgeting tools or short-term fixes. The firm’s core positioning is stated plainly in two taglines: “Your Income Isn’t the Problem. Your Habits Are.” and “Most People Don’t Have a Money Problem. They Have a Habits Problem.”
The firm’s coaching methodology rests on three stated pillars. The first is Mindset and Meaning, which addresses a client’s underlying beliefs, emotions, and values around money. The second is Core Financial Principles, covering seven foundational practices such as living below one’s means, building emergency reserves, eliminating debt, and simple investing strategies. The third pillar is Habits for Growth and Resilience, focused on net worth tracking, regular financial reviews, seeking counsel, continuous learning, and sustaining financial progress through major life changes.
Service areas within coaching engagements include financial foundations, debt management, saving and investing strategies, credit building, retirement planning, financial and legal protection covering insurance and estate planning, generosity and philanthropy integration, and consumer awareness education. The firm explicitly distinguishes coaching from financial advisory services, describing the relationship as built on accountability and honesty rather than product recommendations.
Founder Rick maintains a limited client roster at any given time, enabling a personalized coaching relationship with each client. Prospective clients can schedule a complimentary strategy session described as no-pitch and no-pressure, designed to assess the client’s current financial situation. Sessions are booked through Calendly. Contact: phone 678-575-3285, email rick@savvyfinancialhabits.com.