Financial Therapy Services:
AVAILABLE TO VERMONT AND CONNECTICUT RESIDENTS ONLY
Financial therapy addresses the functional impact that finances have on someone’s day-to-day functioning, like anxiety and depression.
As a licensed therapist in Vermont and Connecticut, Jennifer can provide clinical services such as:
Comprehensive evaluation that includes researched assessments of financial behaviors and stressors.
Identify and diagnose symptoms like financial anxiety and financial trauma.
Develop personalized treatment plans to help increase emotional wellbeing and financial stability.
Financial therapy is for people who experience financial challenges that get in the way of their daily functioning.
Money is a language—but were you ever taught how to speak it?
Most of us weren’t. Financial therapy helps you uncover the money beliefs, patterns, and emotions shaping your financial reality. Together, we’ll work on building a healthier relationship with money so you can feel confident and in control.
Appointments
Rate: $165 per hour
Purpose: Continued sessions focused on breaking unhelpful patterns, reducing financial stress, and building sustainable money habits.
First Appointment:
Length: 75 minutes
Rate: $199
Purpose: A deeper first session to explore your history with money, current challenges, and goals for therapy.
For Individuals
All appointments are hosted virtually through a confidential video meeting service.
Money is one of the leading causes of divorce. Often, the conflict isn’t about dollars, it’s about differences in how we think and feel about money.
Therapy for couples who want to:
Move from conflict and disconnection to alignment and understanding
Improve money-related communication
Create healthier, lasting financial habits together
For Couples
All appointments are hosted virtually through a confidential video meeting service.
Initial Process:
8 sessions to start
Structure:
2 individual appointments (1 for each partner)
6 joint sessions as a couple
After 8 sessions, we’ll reassess and adjust. Many couples reduce to check-ins once progress is solid.
$195 per hour
Format: Individual financial therapy sessions
Rate: $165 per hour
Process:
Begin with your money story—exploring financial upbringing and inherited beliefs
Identify dominant money scripts shaping your current decisions
Reframe outdated beliefs + practice new, sustainable behaviors
Build money habits aligned with your values and practice goals
For Therapists
All appointments are hosted virtually through a confidential video meeting service.
As therapists, we’re taught to do our own work—but money is often left out of that conversation.
Unexamined money beliefs can shape not only your personal finances, but also your private practice and how you show up in the therapy room.
Where money and mental health meet, financial therapy isn’t about judgment—it’s about curiosity, support, and creating new possibilities with money. It’s a specialized approach that explores how your emotions, beliefs, and behaviors around money shape your choices, relationships, and overall well-being.
Not sure if Money Psychology Coaching or Financial Therapy is right for you? Schedule a 30-minute discovery call today!
Frequently Asked Questions
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Financial therapy focuses on managing and reducing symptoms caused by finances, and the symptoms make completing daily functions difficult. The process involves identifying and qualifying for a mental diagnosis that meets medical criteria.
Money psychology coaching focuses on improving overall financial behaviors and goal attainment. It is future-oriented and goal focused. It supports clients in financial skill development and behavior change to help them meet their financial goals. In coaching, folks experiencing financial problems are seen as people who are stuck due to current circumstances - that may involve them having limited choices vs. having symptoms that qualify for a mental health disorder.
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My approach is collaborative and conversational. I understand that money can be a sensitive and an emotionally charged topic. While I provide guidance, tools, and recommendations, you remain in control of your decisions.
This work is most effective when clients are open to being vulnerable and committed to doing reflective work between sessions.
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This work is time limited and will not be unending. While I cannot say for sure how many appointments we’ll have because everyone’s situation is unique to them, I like to begin with eight appointments. We can add more appointments if needed. If an individual feels like they’ve gotten what they need before the eight appointments, that is fine as well.
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No, I do not accept insurance for financial therapy. However, you may be able to use HSA, FSA, or HRA benefits—please check with your provider to confirm coverage.
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My fee is $165 per hour for individual sessions.
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No, I do not offer money management or investment advising services. I am not a CPA, CFP, or financial advisor. The work we do is educational and coaching-focused and does not constitute legal or financial advice.
You should consult with a qualified professional (e.g., attorney, CPA, or financial planner) for any specific legal, tax, or investment decisions. Jennifer Calder, LICSW / Jennifer Calder, LLC is not liable for financial or legal outcomes based on the information or recommendations provided in our work together.