Align your money with your values so you can live a life full of purpose

Get intentional with your money.

Young Caucasian woman resting in hammock on the background of the lake in Swiss Alps in autumn

I'm Sophie Carruth and I'm a financial coach.

Feeling a lack of control over your personal finances can get in the way of living your life with purpose. I want to help you gain the agency to make positive changes to your life.

I know that getting your financial shit together can be utterly liberating. I also know that true peace of mind is achieved when you can also align your money with your personal values.

I create a safe space for you to do this important, purposeful and challenging work with joy.

Sophie sitting at a desk wearing a yellow jumper looking at a computer with a large picture window in the background

What does financial coaching with me look like?

As a financial coach I will:

Empower you to take charge of your personal finances
Enable you to focus on your purpose in life
Help you align your money with your values

Along the way I will:

Provide a supportive space to get to the bottom of your money situation
Guide you to explore your money blueprint and how your life experiences have shaped your approach to money

Help fill any knowledge gaps you have and demystify confusing jargon
Support you in analysing your earning, spending and savings and how to align these with your personal values

While there will be lots of practical outcomes to this work, you will also change how you feel about money.

Vase of cut summer garden flowers on a garden table

Financial coaching with me means establishing a collaborative partnership to focus on helping you develop the skills, confidence, and habits to take control of your money. I won’t tell you what to do with your money— instead I empower you to make informed decisions that align with your values and goals

How financial coaching is different

It’s important to understand what financial coaching isn’t:

It’s not financial advice or planning

As a financial coach I cannot provide specific investment advice, recommend particular products, or create detailed financial models. If you need help choosing investments or need comprehensive retirement planning, you’ll want to work with a financial adviser.

It’s not therapy

While financial coaching addresses the emotional and behavioral aspects of money, it’s not a substitute for counselling or therapy to deal with issues such as trauma. However, many clients find that improving their financial situation positively impacts their overall wellbeing and contributes to better mental health.

It’s not a quick fix

This work requires commitment and active participation. I will guide you, but you’ll need to do the work—tracking your spending, facing up to what’s driving your behaviours around money, changing habits, and implementing strategies. Real financial change takes time and consistency.

Working with Sophie was brilliant and lifted blockages and fears I had around money. I really loved the creative exercises and was surprised to find them so effective in revealing my perspective on money and how it can be transformed into something positive and expansive. Sophie not only brings amazing in-depth knowledge but is also able to hold the emotional dimension that is deeply connected to money; I felt safe discussing it all in our sessions. I've come away with the tools and confidence to envision goals and take steps to reach for them. In particular I feel much more confident about investing in general, as well as ethical investing. I'd highly recommend working with Sophie, especially if you are resistant to looking at your finances – I didn't expect it to feel easy as well as creative!

Cécile
Filmmaker

Sophie is a brilliant coach — warm, approachable, and incredibly empowering. Her guidance helped me untangle a complex financial situation and gave me the clarity I needed to make confident decisions about my future. I now understand my finances, have clear goals for the short, medium, and long term, and feel far less anxious about money. Before working with Sophie, I lacked visibility and was stuck in a cycle of either overspending or holding back out of fear. Now, I know exactly what I can afford and enjoy spending with confidence. Her coaching has been truly life-changing

Rosie
Sustainability consultant

We did a one-off coaching session with Sophie when I was considering taking redundancy and going self-employed. It’s hard to overstate how helpful, calming and clarifying we found the session. She was knowledgeable, thoughtful and non-judgemental. She helped us work out what was important to us, what information we needed, and how to find it. The session helped us reach a decision we were both comfortable with, which was no mean feat! It made the path to self-employment much smoother, and a lot less stressful. Ultimately it helped us make a decision which has worked brilliantly for us, personally and professionally. I can’t recommend Sophie highly enough.

Rose
Garden designer

Sophie was fantastic and really helped me with all the nagging financial doubts I have gathered and never addressed over the years. If you need to get a handle on your current and future finances, I absolutely recommend Sophie's guidance. She's great.

AD
Brand and web designer

I had a really informative and supportive session with Sophie. Although I'm fairly confident about most of my financial knowledge it was great to access her knowledge and expertise to fill in any gaps, and correct what I'd misunderstood! When you're self taught you don't always know what you don't know and our session was incredibly valuable in making me feel secure about my financial planning for the future. Sophie is warm, engaging and never womansplains, making looking at your finances enjoyable and empowering.

Sara
Foot Health Practitioner

Let's have a chat

Taking the next step

The fact that you're here, researching and asking questions, suggests you're ready to take control of your finances. Find out how to work with me and book in for a free 15-minute chat to discuss your goals and how coaching can help you achieve them.

Get in touch today My process

Sophie wearing a yellow jumper in discussion with a client who has their back to the camera