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Your Financial Freedom

Starts with the Right Plan

Transform your financial wellness and get the freedom to do what you want when you want,

without ever worrying about money.  

I help military service women and veterans regain control and conquer the battle over their finances so they can live life freely.

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Hi, There

 Dr. Ann James, ED.D, AFC  

I believe financial freedom is a journey, not a destination. My purpose is to educate and equip my clients to renew their mindset, regain control over their behavior, and reclaim confidence in their ability to manage money so that they can live life freely. I help you to see that with persistence and perseverance, you can begin telling your money what to do instead of the lack of money telling you what you cannot afford to do. In addition to dishing out doses of tough love, I meet my clients at their point of need, while consistently providing non-judgemental and unbiased guidance each step of the way on their journey to financial freedom.

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-Gain Control

-Reclaim Confidence

-Live Life Freely

Take Action Now

Whatever changes you’re hoping to make or goals you’re trying to achieve,

I’ll provide you with sound advice and professional guidance every step of the way. Take a look at the services I offer and get started on a battle plan for your finances today.

Does This Sound Like You?

Are you tired of pretending that everything is all good but in reality, you know your finances are out of control? 


Do you find yourself hoping and wishing that an unexpected emergency doesn’t happen because you don’t have the funds to cover it?


Do you have a fear of failure because you’ve tried budgeting before but you didn’t stick to it? 


Are you afraid to leave the military or your civilian job because of the security and stability of the paycheck and benefits?


Have you experienced sleepless nights thinking about the weight of the debt that you’re carrying?


Have you felt frustrated and overwhelmed from doing it alone or with very little help?

Financial Coaching Programs

Freedom Chat


Duration: 15-min

Investment: Free

I understand that talking about

money can be uncomfortable.

Trust me, I understand.

This is a safe and judgment-free space.

During our session, we focus on any financial struggles you are currently experiencing, your financial goals, and how coaching can work for your situation. Are we a good fit to become financial battle buddies?

Are ready for transformation?

Let's chat about it!

Money Battle Plan



Investment: $497

During this 90 minute session, you’ll work directly with Dr. Ann to regain control over your money. You will create a solid foundation to not only achieve but exceed the financial goals that may have been out of reach until now. You’ll gain clarity on your current situation and action steps to move you forward on your journey. You will leave this session with a realistic plan based on your individual needs. There’s no need to worry… YES, YOU CAN enjoy everyday life, as you conquer the battle over your money. 

Workplace Financial Wellness

Audiovisual Conference

Duration: 30-min

Investment: Free

Financial education helps employees gain confidence in their abilities to manage their money so they can enjoy both home & work lives. Program offerings range from individual “Lunch and Learn” type workshops, all the way to company-wide financial initiatives. If you’re ready to increase employee productivity by decreasing financial stress, schedule an introductory 30-minute consultation today so that we can develop a customized Money Battle Plan together. 

Did You Answer YES?

If you answered YES to any of these questions, you can stop worrying and regain control over your money once and for all. Much like you, there was a time in my life when I became fed up with my money situation. I knew for certain I didn’t want to continue being broke from trying to 'keep up with the Jones’. I’m now on a mission to help you conquer the battle over your money. It doesn't matter if you're just learning how to manage your money, an E-1, or an O-6 ,  financial freedom can be yours.

Take the first of your journey step of your by scheduling a Money Battle Plan Session 

Freedom Success Stories

I feel so blessed to have crossed paths with Dr. Ann. She came into my life at a time where I was going through MAJOR transitions that included a divorce and bankruptcy. Even after filing Chapter 7, I was still left with a mountain of debt and a new lifestyle that I had to manage. 


Dr. Ann proved herself to be an invaluable coach and guide. She held my hand through the process and did not judge nor condemn me. She DID, however, challenge me to be "the best me" when making financial decisions.  I am not gonna lie, in the beginning, it was tough - just like with anything else new. But over time it became easy, even second nature. Because of her expertise, I was able to soundly decide how, when, and where to appropriate my funds. 


Her method opened up a whole new world of freedom for me where I no longer lived check to check (I AM on a fixed income). I always knew the state of my finances. In fact, last year I traveled more than I ever have WITHOUT credit and totally debt-free. I still apply the principles that Dr. Ann taught me and continue to live a debt-free life where I actually have money available for emergencies, travel, and random expenses. I highly recommend Dr. Ann to anyone who wants to control their finances instead of their finances controlling them.”

Dr. Cassie Lockhart, Cassie Lynn Ministries LLC,

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