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Healing your relationship with money

Reduce anxiety, improve communication, and build healthier habits

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What Is Financial Therapy?

Money is deeply personal. It shapes our choices, relationships, and sense of security, yet it can also bring stress, conflict, or shame. Financial therapy helps people explore and heal the connection between their money and their emotions, beliefs, and behaviors. It merges the practical side of financial planning with the emotional and relational side of life. It looks beyond numbers, helping you build a healthier relationship with money and greater peace of mind.

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The relationships in our lives shape how we think, feel, and behave with money. Family, friends, coworkers, and even clients influence how we understand money’s role in our lives.

This refers to what we consciously know, think, and believe about money — as well as the unconscious biases we carry. These beliefs often drive financial decisions without us realizing it.

Our emotions influence how we think, behave, and relate to others around money. Stress, guilt, anxiety, or joy — these reactions not only affect our decisions but also connect to our physical and mental well-being.

Behavior is the outward expression of our emotional, cognitive, and relational realities. Small, intentional changes in behavior can create ripple effects in how we think, feel, and manage money.

Money itself is both objective and subjective. It is practical — budgets, debt, investments — but also charged with meaning and emotion. Financial therapy addresses these layers to improve both financial health and overall life satisfaction.

Financial Therapy isn’t just for people in crisis

Anyone can benefit from exploring the emotional side of money. We integrate financial therapy into the financial planning process to help reduce stress and anxiety, improve communication with partners or family, explore money-based childhood and cultural stories that shape choices, examine cycles of avoidance, overspending and conflict, and, ultimately, to help clients build healthier money habits that are aligned with their personal values.
Individuals and couples facing financial stress

A safe, nonjudgmental space to work through anxiety, guilt, or overwhelm about money.

Those with unhealthy money patterns

Breaking cycles of overspending, avoidance, or extreme frugality to build healthier, sustainable habits.

People navigating major financial decisions

Emotional and practical support during life transitions such as buying a home, planning for retirement, or career changes.

Individuals with a history of financial trauma

Working through the impact of events like job loss, bankruptcy, divorce, or family conflict to heal and move forward.

Couples experiencing financial conflict

Improving communication, aligning on goals, and reducing tension in money conversations.

Anyone struggling with money and emotions

Addressing deep-seated fears, shame, or anxiety connected to money.

People seeking personal growth

Gaining awareness of money beliefs, values, and behaviors to make choices that feel more aligned with who you are.

Our Approach

Money is deeply personal. It shapes our choices, relationships, and sense of security, yet it can also bring stress, conflict, or shame. Financial therapy helps people explore and heal the connection between their money and their emotions, beliefs, and behaviors. It merges the practical side of financial planning with the emotional and relational side of life. It looks beyond numbers, helping you build a healthier relationship with money and greater peace of mind.

Conversation First

We begin by listening: your money story, your goals, and your challenges.

Personalized Plan

Together, we design a process that integrates financial strategy with therapeutic support.

Flexible Schedule

We meet as needed, based on your unique situation and preferences.

Ongoing Support

We review progress, adapt as life changes, and provide guidance along the way.

Credentials & Membership

Narumi Yoshida is a proud member of the Financial Therapy Association and holds the Certified Financial Therapist–I™ (CFT-I™) designation.

Disclaimer: Financial therapy as offered here is not psychotherapy. While Narumi is trained in the integration of financial, cognitive, emotional, behavioral, and relational aspects of money, he is not a licensed mental health professional and does not provide clinical therapy, diagnosis, or treatment for mental health conditions. Financial therapy is not psychotherapy and is not a substitute for medical, psychological, or mental health treatment. Sessions are not eligible for health insurance reimbursement. If mental health concerns arise, we may recommend you work with a licensed therapist in addition to financial therapy.

CASE STUDY

Finding Common Ground as a Couple

*This case studies is based on a real client experience. Names and identifying details have been changed to protect confidentiality.
The Challenge
When Aki and Michael came to us, their finances had always been kept completely separate. While this approach gave each of them independence, it also led to hidden stress and misunderstandings. Aki worried if Michael was saving enough for the future while Michael felt uneasy whenever conversations about money came up. Over time, this created tension that was starting to affect their relationship.
Our Approach
Through financial therapy, we helped them uncover the money stories behind their choices. Aki had grown up in a household where money was scarce, leading her to value security and structure. Michael, on the other hand, had experienced financial freedom early in life, which shaped his more relaxed approach. By creating a safe space for open, nonjudgmental conversations, we guided them toward shared values. Together, we mapped out what financial independence and security meant for both of them. From there, we developed a joint framework that respected their individuality while supporting their goals as a couple.
The Outcome
Aki and Michael agreed on a balanced plan: keeping certain accounts separate while building a joint account for shared goals like travel and retirement. They created a clear system for splitting household expenses in a way that felt fair. Most importantly, they developed healthier communication around money — moving from tension and avoidance to trust and teamwork. Today, Aki and Michael feel more connected, not only financially but emotionally. Financial therapy helped them shift the conversation from “yours and mine” to “ours” while still honoring their independence.

CASE STUDY

Finding Common Ground as a Couple

*This case studies is based on a real client experience. Names and identifying details have been changed to protect confidentiality.
The Challenge
When Aki and Michael came to us, their finances had always been kept completely separate. While this approach gave each of them independence, it also led to hidden stress and misunderstandings. Aki worried if Michael was saving enough for the future while Michael felt uneasy whenever conversations about money came up. Over time, this created tension that was starting to affect their relationship.
Our Approach
Through financial therapy, we helped them uncover the money stories behind their choices. Aki had grown up in a household where money was scarce, leading her to value security and structure. Michael, on the other hand, had experienced financial freedom early in life, which shaped his more relaxed approach. By creating a safe space for open, nonjudgmental conversations, we guided them toward shared values. Together, we mapped out what financial independence and security meant for both of them. From there, we developed a joint framework that respected their individuality while supporting their goals as a couple.
The Outcome
Aki and Michael agreed on a balanced plan: keeping certain accounts separate while building a joint account for shared goals like travel and retirement. They created a clear system for splitting household expenses in a way that felt fair. Most importantly, they developed healthier communication around money — moving from tension and avoidance to trust and teamwork. Today, Aki and Michael feel more connected, not only financially but emotionally. Financial therapy helped them shift the conversation from “yours and mine” to “ours” while still honoring their independence.