Financial Therapy in New England

About us

My name is Gary Albert CPA, CSSCS,  CFSWC (Certified Financial Social Work Coach),  AFC, and a Trauma of Money Certified Practitioner.  As a tax accountant and advisor for 40 years I always believed that communication and understanding is key in any professional relationship.  As I began my journey into counseling and financial therapy I formed HEAL YOUR FINANCIAL HEART in NH.  This business specializes in helping people gain a better understanding of their finances and developing strategies to improve their overall financial health. Our services include budgeting and financial planning, debt management, retirement planning, and investment advice. We also offer group workshops and seminars to educate our clients on various financial topics.I'm passionate about helping people take control of their finances and build a brighter financial future. My goal is to provide our clients with the knowledge, resources, and support they need to make informed decisions and achieve their financial goals. I'm proud to be a part of this community, and I'm committed to helping my clients achieve financial wellness.

What is your money script?

Money Status

Money Status seekers tend to link their self-worth with their net worth. They may prioritize outward displays of wealth. This behavior can put them at risk of overspending. They may believe that if they live a virtuous life, the universe will take care of their financial needs. That they will be rewarded for good behavior. They may have grown up in lower socioeconomic environments. They may come from a household that gave a higher social standing to people with more money.

People who score higher in the area of Money Status are more likely to spend too much. They often spend more than they can afford. They may be prone to gambling excessively. Money status seekers are often financially dependent on others. They may also be guilty of hiding spending from their spouses.

Money Worship

Money Worshipers believe that money is the key to happiness. They feel that the solution to their problems is to have more money. At the same time, they believe that one can never have enough money. They find that the pursuit of money never quite satisfies them. The higher their score on Money Worship the more likely they are to carry credit card debt. A lower net worth also usually follows a higher score here. Money Worshipers are prone to buying things in an attempt to achieve happiness. They are more likely to put work ahead of family. They also often give or loan money to others even though they can’t afford to do so.

Money Avoidance

Money Avoidance is associated with people who are wealthier. They are also wiser, and more highly educated. Higher scores on Money Avoidance suggest a belief that money is bad.

Money Avoiders may also believe that they do not deserve money. They may believe that wealthy people are greedy or corrupt. They often believe that there is virtue in living with less money.

Money avoiders may sabotage their financial success. They are their own worst enemy. They have negative ideas about wealth and having money. They may frequently give money away. This is an unconscious effort to have as little as possible.

Money avoidance can be associated with trying to not think about money. These kinds of thinkers may ignore financial statements. They often overspend or use their money to enable others financially. They may have difficulty managing a budget.

Money Vigilance

The Money Vigilant are alert, watchful, and concerned about their financial health. Feeling that they have enough money is important to them. They believe it is important to save. They are not waiting for a financial windfall. They don’t expect to win the lottery.They feel people need to work for their money. They do not think people should be given financial handouts.

Those with higher Money Vigilance scores tend to show higher levels of financial health. They are already making good choices. They are meeting their needs. The Money Vigilant are less likely to buy on credit. They spend what they can afford. They value a bargain.

They also can be somewhat anxious about their financial futures. This worry inspires them to save. They are usually discreet about their financial status with others. They don’t want everyone to know how much money they have. They rarely keep financial secrets from their partners.

Money Vigilance encourages saving and frugality. It encourages being smart with spending. This is good for financial health. Unfortunately it can also lead to excessive wariness or anxiety with money. This may not be so good for personal health and happiness. These feelings can prevent people from enjoying their money. Money can provide a sense of security. It can make you feel safe. Those with Money Vigilance may not really get to enjoy this benefit. Their feelings of worry may be stronger.