Privacy Policy Do Not Sell or Share My Personal Information LAST UPDATED: January 28, 2023. ​ Harris & Associates Financial Consulting, DBA, Harris Financial Coaching, and the Informed Finance Blog (collectively, the “Company,” “we,” or “us”) want you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with information that we collect through: ​ Websites operated by us from which you are accessing this Privacy Policy (the “Websites”); Our social media pages and apps (collectively, our “Social Media Pages”); HTML-formatted email messages that we send to you that link to this Privacy Policy or other communications with you; and Offline business interactions you have with us. Collectively, we refer to the Websites, Social Media Pages, emails, and offline business interactions as the “Services.” ​ By using our Services, you are accepting the practices described in our Privacy Policy, including our use of cookies and similar online tools If you do not agree to the terms of this Privacy Policy, please do not use our Services. We reserve the right to modify or amend the terms of our privacy policy from time to time without notice Any changes to this Privacy Policy will become effective as of the “last updated” date set forth above. Your continued use of our Services following the posting of changes to these terms will mean you accept those changes. ​ If you are a resident of California, please see the Additional Information Regarding California Privacy Laws – Notice at Collection of Personal Information. ​ PERSONAL INFORMATION ​ “Personal Information” is information that identifies you as an individual or relates to an identifiable individual. The Services collect Personal Information, including: Name Postal address (including billing and shipping addresses) Telephone number Email address Date of birth or age Payment card data (when you make purchases on our e-commerce Websites) Purchase information Username Social media handles and posts Gender Audio/visual recordings Publicly available political affiliation and activities Household information Race ​ Collection of Personal Information ​ We collect Personal Information in a variety of ways, including: ​ Through the Services. We collect Personal Information through the Services, for example, when you sign up for a newsletter, register an account to access the Services, attend one of our booths, participate in one of our focus groups, direct message us, contact customer service, or make a purchase. ​ From Other Sources. We receive your Personal Information from other sources, for example: publicly available databases; third-party data and analytics providers; third party identity / age verification services; ad networks; social media platforms; joint marketing partners, when they share the information with us; if you connect your social media account to your Services account or interact with social media buttons or widgets on our Services, you will share certain Personal Information from your social media account with us, for example, your name, email address, photo, list of social media contacts, and any other information that may be or you make accessible to us when you connect your social media account to your Services account. ​ We need to collect Personal Information in order to provide the requested Services to you or otherwise facilitate the transactions requested by you. If you do not provide the information requested, we may not be able to provide the Services. If you disclose any Personal Information relating to other people to us or to our service providers in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy. ​ Use of Personal Information ​ We use Personal Information for the following purposes: ​ Providing the functionality of the Services and fulfilling your requests. To provide the Services’ functionality to you, such as arranging access to your registered account, and providing you with related customer service. To allow you to complete our telephone and web-based surveys, respond to your inquiries, and fulfill your requests, when you contact us via one of our online contact forms or otherwise, for example, when you send us feedback or request information about our Services or products. To complete your transactions, verify your information, and provide you with related customer service. To send administrative information to you, such as changes to our terms, conditions, and policies. ​ Providing you with our newsletter and/or other materials and facilitating social sharing. To send you marketing related emails with information about our services, new products and other news about our company. To send you information about causes that you may be interested in. To facilitate social sharing functionality that you choose to use. ​ Analyzing Personal Information for business reporting and providing personalized services. To analyze or predict our users’ preferences in order to prepare aggregated trend reports on how our digital content is used, so we can improve our Services. To better understand your interests and preferences, so that we can personalize our interactions with you and provide you with information and/or offers tailored to your interests. To better understand your preferences so that we can deliver content via our Services that we believe will be relevant and interesting to you. ​ Aggregating and/or anonymizing Personal Information. We may aggregate and/or anonymize Personal Information so that it will no longer be considered Personal Information. We do so to generate other data for our use, which we may use and disclose for any purpose, as it no longer identifies you or any other individual. Where we maintain or use de-identified data, we will continue to maintain and use the de-identified data only in a de-identified fashion and will not attempt to re-identify the data. ​ Accomplishing our business purposes. For data analysis, for example, to improve the efficiency of our Services; For developing new products and services; For enhancing, improving, repairing, maintaining, or modifying our current products and services, as well as undertaking quality and safety assurance measures; For identifying usage trends, for example, understanding which parts of our Services are of most interest to users; For operating and expanding our business activities, for example, understanding which products or Services are of most interest to our users so we can focus our energies on meeting our users’ interests. ​ Disclosure of Personal Information ​ We disclose Personal Information: ​ To our subsidiaries for the purposes described in this Privacy Policy. To our third party service providers, to facilitate services they provide to us. These can include providers of services such as website hosting, data analysis, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, auditing, and other services. By using the Services, you may elect to disclose Personal Information. On profiles, posts, and other services to which you are able to post information and content (including, without limitation, our Social Media Pages). Please note that any information you post or disclose through these services, including by tagging us, will become public and may be available to and/or reposted by us, other users, and the general public. Through your social sharing activity. When you connect your Services account to your social media account or interact with social media buttons or widgets on our Services, you will share information with your friends associated with your social media account, with other users, and with your social media account provider. By doing so, you authorize us to facilitate this sharing of information, and you understand that the use of shared information will be governed by the social media provider’s privacy policy. We may also use and disclose Personal Information as we believe to be necessary or appropriate: (a) to comply with applicable law, to respond to requests from public and government authorities, to cooperate with law enforcement, to comply with subpoenas and court orders, and for other legal reasons; (b) to enforce our terms and conditions; and (c) to protect our rights, privacy, safety or property, and/or that of our subsidiaries, you, or others. ​ OTHER INFORMATION ​ “Other Information” is any information that does not reveal your specific identity or does not directly relate to an identifiable individual. The Services collect Other Information such as: ​ IP address (we may also derive your approximate location from your IP address) Unique device identifier Browser and device information Usage data for our Websites and Social Media Pages Information collected through cookies, pixel tags and other technologies Demographic information and other information provided by you that does not reveal your specific identity Information that has been aggregated in a manner such that it no longer reveals your specific identity ​ Collection of Other Information ​ We and our service providers may collect Other Information in a variety of ways, including: ​ Your browser or device. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Mac), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and the name and version of the Services you are using. We use this information to ensure that the Services function properly. Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other traffic data. We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, and to personalize your experience. We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used, and assist us with resolving questions regarding them. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies or other technologies in online advertising to track responses to our ads. We do not currently respond to browser do-not-track signals. If you do not want information collected through the use of cookies, most browsers allow you to automatically decline cookies or be given the choice of declining or accepting a particular cookie (or cookies) from a particular website. You may also wish to refer to http://www.allaboutcookies.org/manage-cookies/index.html . If, however, you do not accept cookies, you may experience some inconvenience in your use of the Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs. Pixel tags and other similar technologies. Pixel tags. Pixel tags (also known as web beacons and clear GIFs) may be used to, among other things, track the actions of users of the Services (including email recipients), measure the success of our marketing campaigns, and compile statistics about usage of the Services and response rates. Analytics. We use Google Analytics, which use cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. These services may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to google.com/policies/privacy/‌partners/ , and exercise the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout Physical location. If you enable location services on your device, we may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. You may opt out of such sharing of your device’s location through your device’s privacy settings, but if you do, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content. ​ Uses and Disclosures of Other Information ​ We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, we may use and disclose it for the purposes for which we use and disclose Personal Information as detailed in this Policy. In some instances, we may combine Other Information with Personal Information. If we do, we will treat the combined information as Personal Information as long as it is combined. ​ SECURITY ​ We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contacting Us” section below. ​ CHOICES AND ACCESS ​ Your choices regarding our use and disclosure of your Personal Information ​ We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt out from receiving marketing-related emails from us on a going-forward basis by clicking on the “Unsubscribe” link in the footer of our emails and following the instructions. ​ We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt out of receiving marketing related emails from us, we may still send you important administrative messages, from which you cannot opt out. ​ How you can access, correct or delete your Personal Information ​ If you are a California resident, please refer to the “Additional Information Regarding California ” section at the end of this Policy for more information about the requests you may make under California laws. ​ THIRD PARTY SERVICES ​ This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any website or service to which the Services link or embed. Embedded content from third parties may automatically collect information from you when you visit our pages with such content, and any and all information collected by such third parties are subject to their own privacy policies. The inclusion of a link on the Services does not imply endorsement of the linked site or service by us or by our subsidiaries. ​ In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Facebook (including Instagram), Apple, Google (including YouTube), Twitter, Spotify, or any other app developer, app provider, social media platform provider, or operating system provider, including with respect to any Personal Information you disclose to other organizations through or in connection with our Social Media Pages. ​ THIRD PARTY ADVERTISING ​ We use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites or online services. ​ You may receive advertisements based on information relating to your access to and use of the Services and other websites or online services on any of your devices, as well as on information received from third parties. These companies place or recognize a unique cookie or other tracking technology on your browser (including through the use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device that you are using, please visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool . For information about personalized ads through Google Ads, and to learn how to turn off such ads, please visit Google Ads Help . ​ THIRD PARTY PAYMENT SERVICE ​ We may use a third party payment service to process payments made through the Services. If you wish to make a payment through the Services through a third party payment processor, your payment card information may be collected by such third party and not by us, and will be subject to the third party’s privacy policy, rather than this Privacy Policy. We have no control over, and are not responsible for, this third party’s collection, use, and disclosure of your Personal Information. ​ UPDATES TO THIS PRIVACY POLICY ​ The “Last Updated” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on the Services. Depending on the nature of the change, we may contact you by email to inform you of the change or to request your consent to the change. ​ CONTACTING US ​ If you have any questions about this Privacy Policy, please contact us at https://www.harriscashcoach.com/contact-us or by email at info@harriswealthcoach.com . Because email communications are not always secure, please do not include credit card or other sensitive information in your emails to us. ​ ADDITIONAL INFORMATION REGARDING CALIFORNIA PRIVACY LAWS - Notice At Collection of Personal Information ​ This notice and the options that follow apply only to residents of California. ​ This section applies only to California residents. In accordance with the California Privacy Rights Act (the “CPRA”), it describes how we collect, use and share personal information of California residents in operating our business, and their rights with respect to that personal information. In the event of a conflict between this section of our Privacy Policy and the rest of our Privacy Policy , this section will take priority for residents of California. ​ Collection of Personal Information ​ We plan to collect, and have collected within the preceding 12 months, the following categories of Personal Information: “Identifiers,” such as name, contact information, online identifiers, and IP address that can reasonably be linked or associated with a particular consumer or household; “Customer Records Information,” or “personal information” as defined in the California consumer records law, such as signature, payment card number, education information, and employment information; “Protected Class Information,” or characteristics of protected classifications under California or federal law, such as sex, gender, age, and race; “Transaction Information,” such as transaction information and purchase history, including purchases considered; “Online Use Information,” or internet and network activity information, such as browsing history and interactions with our website; “Geolocation Data,” such as device location and approximate location derived from IP address; “Audio/Video Data,” or audio, electronic, visual, and similar information, such as call, video, audio/visual, and screen recordings; “ Employment Information,” or professional or employment-related information, such as employment status; and “Inferences,” or inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences, and characteristics. “Sensitive Personal Information,” meaning: account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to the financial account; geolocation information accurate within a radius of 1850 feet or less; racial or ethnic origin, religious or philosophical beliefs, citizenship, immigration status, or union membership; the contents of mail, email, and text messages unless we are the intended recipient of the communication; genetic data; Personal Information collected and analyzed concerning an individual’s health, information on medical history, mental or physical health conditions, or medical treatment or diagnosis by a health care professional; Biometric information used for the purpose of uniquely identifying an individual; and Personal Information collected and analyzed concerning an individual’s sex life or sexual orientation. ​ Sources of Personal Information ​ We collect this Personal Information from you and from other categories of sources described in the “From Other Sources” section of our Privacy Policy. ​ Purposes for the Collection, Use, Sharing or Other Disclosure of Personal Information ​ As described above, we may use this Personal Information to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including, for example, to: develop and improve our products and services; personalize, advertise, and market our products and services; conduct research, analytics, and data analysis; maintain our facilities and infrastructure; undertake quality and safety assurance measures; conduct risk and security control and monitoring; detect and prevent fraud; perform identity verification; perform accounting, audit, and other internal functions, such as internal investigations; comply with law, legal process, and internal policies; maintain records; and exercise and defend legal claims. ​ Use of Sensitive Personal Information ​ Unless we request it, we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., social security numbers, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background) on or through the Services or otherwise to us. ​ Disclosure of Personal Information ​ We disclose Personal Information to the following categories of third parties: ​ “Subsidiaries,” for the purposes described in this Privacy Policy. “Service Providers,” such as our trusted third-party service providers, to facilitate services they provide to us, such as internet services, website hosting, survey administration, data analytics, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, marketing, events, auditing, and other services. “Ad Networks,” such as third-party ad networks and online advertising partners to permit them to show you marketing communications. “Social Networks,” when you view or interact with social network platforms or embedded content from social network platforms, who may use the data we share in accordance with their own privacy policies. “Legal Authorities,” such as public and government authorities, including courts, regulators and law enforcement, to respond to requests, as well as to protect and defend legal rights. “Other Parties in Litigation,” such as when we share information in the context of litigation discovery and in response to subpoenas and court orders. ​ The following chart details which categories of Personal Information we disclose to third parties, and the categories of such third parties, for our operational business purposes, including within the 12 months preceding the date this Privacy Policy was last updated. The chart also details the categories of Personal Information that we “share” with third parties for purposes of cross-context behavioral or targeted advertising, and the categories of such third parties, including within the 12 months preceding the date this Privacy Policy was last updated. ​ ​ ​ Other than as set forth in this Privacy Policy, we do not sell or share for cross context behavioral advertising Personal Information as defined under applicable law. We have not engaged in such activities in the 12 months preceding the date this Privacy Policy was last updated. We do not knowingly “sell” the Personal Information of minors under 16 years of age. ​ Retention Period ​ We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include: ​ The length of time we have an ongoing relationship with you and provide services to you (for example, for as long as you have an account with us or keep using our services) and the length of time thereafter during which we may have a legitimate need to reference your Personal Information to address issues that may arise; Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); or Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations). ​ Your Privacy Rights and How to Exercise Them ​ As a California resident, you have certain rights related to your personal information, which are detailed below. We encourage you to invoke these rights if you wish to. Rest assured that we will not discriminate or retaliate against you for doing so. ​ Access This Privacy Policy describes the categories of Personal Information we may collect about you, and how that information is collected, used, and disclosed. We will also provide you with the specific pieces of Personal Information we hold about you, upon your request. Correction If you believe that any of the Personal Information we hold about you is inaccurate you may request that we correct it. You can update some information, like your contact details, yourself by visiting your account page. For other corrections, please contact us as described below. Deletion You may request that we delete the Personal Information we hold about you. Please note that we may need to retain limited amounts of Personal Information after completing your request for legal compliance purposes. Additionally, we may postpone completion of your request when your Personal Information is necessary to fulfill our obligations to you. Opt out of “Sharing” You have the right to opt out of the “sharing” of your personal information. “Sharing” under the CPRA means our disclosure of your personal information to a third party in order to serve you interest-based targeted advertising. It does not encompass disclosing your personal information to a third party for other purposes. We do not sell your personal information in the conventional sense (i.e., for money), but may disclose certain details to our business partners and underwriters, or to vendors that enable us to serve you Limiting Use of “Sensitive Personal Information” You may request to limit the use or disclosure of your Sensitive Personal Information to what is necessary for us to perform our services and provide goods as requested, as authorized by regulations, or as otherwise permitted under the CPRA. ​ To make a privacy request, please visit us at this link or contact us at info@harriswealthcoach.com . We will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Information subject to the request. In some instances, we may decline to honor your request where the law or right you are invoking does not apply or where an exception applies. In some cases, our Privacy Policy might answer your questions in a way that is accurate for you personally. In that case we might send you a copy of our Privacy Policy to answer your questions. We may need to request additional Personal Information from you, such as name, email address, and billing/shipping address, in order to verify your identity and protect against fraudulent requests. If you maintain a password-protected account with us, we may verify your identity through our existing authentication practices for your account and require you to re-authenticate yourself before disclosing or deleting your Personal Information. ​ If you make a request to delete, we may ask you to confirm your request before we delete your Personal Information, and we might retain a back-up of your Personal Information to the extent allowed by applicable law, for example as necessary to preserve the integrity or security of our systems or for other purposes that are aligned with our general consumers’ expectations. ​ You may make a request on behalf of a child who is under 13 years old if you are the child’s parent or legal guardian. ​ To request to opt out of any future sharing of your Personal Information for purposes of cross-context behavioral advertising, visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool. ​ Please note that your opt-out only applies to the browser you use to submit your opt-out, so if you use multiple browsers or devices, you must opt-out on each browser, on each device. Your opt-out is enabled using cookies so once you opt-out, if you delete your browser’s saved cookies on a device, you will need to opt-out again on that browser on that device. ​ Authorized Agents ​ If you are a California consumer and an agent makes a request on your behalf, we may require: Proof of the agent’s registration with the California Secretary of State to conduct business in California. A power of attorney provided to the agent by you pursuant to California Probate Code sections 4121 4130. If you have not provided a power of attorney according to item (2) above: We may require proof that you have provided signed permission authorizing the agent to make a request on your behalf. “Signed” means that the permission has either been physically signed or provided electronically in accordance with the Uniform Electronic Transactions Act, Civil Code 1633.7 et seq. We may require you to: Verify the your own identity directly with us; or Directly confirm with us that you provided your permission to submit the request. ​ If an agent wants to make a request to opt-out of the sale or sharing of your Personal Information on your behalf, we may only ask for the documentation specified in items (1) and (3.a) above. ​ Right to Non-Discrimination ​ You have the right to be free from unlawful discriminatory treatment for exercising your rights under the CCPA. ​ Contact Us ​ If you have questions or concerns about our privacy policies and practices, besides your right to know or right to delete, which are explained above, you may contact us using the information in the “Contacting Us” section above. ​ Last Updated ​ This Privacy Policy was last updated on the “LAST UPDATED” date set forth at the top of this policy. California Privacy Policy

Acerca de Write With Us Guidelines to Get You Started Are you a Personal Finance expert with the experience and knowledge to back up your writing? Can you deliver easy-to-understand advice that is extremely useful? I'm looking for you! ​ Pitch your post ideas about: ​ Budgeting: How can beginners get started with a budget? What steps should they take to succeed financially? Side hustle ideas: How can someone make extra money legitimately? How do they get started, and what's needed to start a side hustle? Paying for college: What are a few different ways that parents or teens can prepare for college tuition and expenses? What resources are available? Budgeting for travel: Traveling is fun, but how can you travel cheaply and plan in advance? Teaching kids about money: What steps should be taken to raise financially literate children? How do you make it fun? How do you incorporate learning about money into your daily routine? Retirement: Planning for retirement, saving for retirement, the different types of retirement plans available, or returning back to work after retirement. What tips do you have for retiring early? Investing: How can a beginner begin learning more about investing? What apps, books, and resources are available to help them learn more? Debt: How do you get out of debt, stay out of debt, or reduce your debt levels? Are you debt-free? Tell your story. Credit: How do you use credit responsibly and to your advantage? How do you find a credit card with reward points or a good interest rate? What steps can someone take to improve their credit score? Entrepreneurship: What steps can someone take to start a successful and profitable business? Military: Are you a military veteran? I'm always looking for stories on how military veterans can survive financially after transitioning out of military service. How can they plan their career transition? How do they start to understand benefits available to them with employers or through Veteran's Affairs? What state aid is available? ​ How do I apply? ​ Subscribe to this blog by logging in and reading it so that you have a better understanding of what it's about. Provide a sample headline and outline for your proposed post. For example, if you plan on writing about effective credit management techniques, please list briefly what some of those techniques would be. If your outline is accepted and has not been previously published, you may submit it for publication. I will never publish it on my own accord. Email me your outline by sending me a message here: Contact Me ! Your post must identify your audience, be original, thought-provoking, free from plagiarism, and well-researched. It should spark action from your target audience. When your post is published, engage on social media so that your post can be read and shared by our audiences. I do not accept paid ads, links, or sponsored posts. If your post has multiple links throughout, it will be rejected for publication. I'm looking for clever, helpful, and insightful writing. I hope to hear from you soon! ​ *I do not offer compensation. Blog Authors Annette Harris Lisa Dupras Andrea Rotondo Annette Harris 1/5 Featured In:

Why Should You Work With Annette? Booking Request Form Annette has been lucky enough to be featured as an authority in various publications and invited to discuss coaching and training techniques in the greater community. Take a look below at the latest articles that I have been featured in, as well as tips and tricks about getting the most out of your life. ​ For a complete list of features and collaborations, click here . Annette was also a runner-up in the 2021 Black Women's Roundtable Pitch Competition. Download Annette's Media Kit Complete the form below, and we'll get back to you within 1-2 business days. First name Email Subject Please tell us more about your inquiry. Submit Thanks for submitting! Harris Financial Coaching Play Video Play Video 06:19 "Legacy of Leaders" with Annette Harris and Gary Beard On "Legacy of Leaders," Dan Bean welcomes outstanding leaders to this uplifting and interesting show, filled with practical advice, personal experiences and tips for business leaders and aspiring leaders. This week, Dan sits down with Annette Harris of Harris Financial Coaching and retired US Army Major General Gary Beard. Play Video Play Video 05:23 Harris Financial Coaching Each week on “Buzzworthy Veterans,” Ant Stroud talks to veterans who have been doing Buzzworthy things around the community. This week, Ant sat down with Annette Harris from Harris Financial Coaching. Annette provides financial coaching services to help individuals achieve their financial goals or work through difficult situations surrounding retirement planning, budgeting, or wealth building. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Website ➡️ https://www.harriswealthcoach.com/ Consultation ➡️ https://www.picktime.com/harriscashcoach ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ BLOG➡️ https://www.harriscashcoach.com/ Instagram ➡️ https://www.instagram.com/harriscashcoach ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Start Your Wealth Building Journey Today! Building Wealth Course ➡️ https://harriswealthcoach.thinkific.com/collections ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #HarrisCashCoach #HarrisFinancialCoaching #PersonalFinance Play Video Play Video 07:32 Harris Financial Coaching - Business and Military Service Learn more about how I can help guide you in achieving your financial needs and a little bit about me too! Annette provides financial coaching services in order to help individuals achieve their financial goals or work through difficult situations surrounding retirement planning, budgeting, or wealth building. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Website ➡️ https://www.harriswealthcoach.com/ Consultation ➡️ https://www.picktime.com/harriscashcoach ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ BLOG➡️ https://www.harriscashcoach.com/ Instagram ➡️ https://www.instagram.com/harriscashcoach ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Start Your Wealth Building Journey Today! Building Wealth Course ➡️ https://harriswealthcoach.thinkific.com/collections ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #HarrisCashCoach #HarrisFinancialCoaching #PersonalFinance Play Video Play Video 31:29 Glow Up, Gyrl Podcast: Season 2: Episode 34: Reaching Financial Freedom We're kicking off the new year with Financial Coach, Annette Harris. We're talking all things finance and how you can achieve financial freedom. Annette will share her personal journey to financial freedom as well as some key things you need to do to begin your journey. Learn more about Annette at https://www.harriswealthcoach.com/ Follow Annette on Instagram @harriscashcoach Play Video Play Video 13:53 Couple Became Debt Free After Paying Off Over $400k, Saving Them Over $140k #FinancialLiteracy #WomenAndMoney #WomensEmpowerment #DebtFree #Moneygoals In this video, I interviewed a fabulous couple, Annette and Dweise. They shared about how they worked together to become debt-free. They explain how becoming debt-free is very much attainable. 6 Steps to Set Goals and Achieve them ➡️ https://youtu.be/2QKL_X0HqNY Top 5 Goal for 2021➡️ https://youtu.be/i11uv9XuBlQ Budget Basics video➡️ https://youtu.be/MRUzgJmp1mY Welcome to my channel! This channel is all about financial literacy. I empower women, in particular, to become financially literate or increase their financial literacy. I will share financial information to assist you to achieve your financial goals whether they be, getting out of debt, planning for your retirement, and more. I'm dedicated to seeing you accomplish your goals. Follow me on Twitter: @women_financial Instagram: @womensfinancialempowermentgrp Like my business page Facebook: Women's Financial Empowerment Group Join my private group: Women's Financial Empowerment Group (WFEG) Visit my website for a free consultation for financial coaching or bookings: https://womensfinancialempowermentgroup.info Contact me at awomensfinancialempowerment@gmail.com Play Video Play Video 28:28 Ep 031: Is Budgeting a Dirty Word? Begin With the End in Mind! Annette Harris – The Confident Retirement Podcast with Kris Flammang Episode 031 Is Budgeting a Dirty Word? Begin With the End in Mind! Featuring Annette Harris, Harris Financial Consulting Annette Harris, Founder of Harris Financial Coaching, is a lifelong learner with nine degrees, a military veteran, mother, and has a great passion for personal fitness. Annette is just as passionate about the importance of financial literacy and creating a safe space for having her clients feel comfortable when having conversations about debt management, budgeting and other money matters. Her values are clear, as she believes in operating in a respectful environment. Her business is growing, and she is expanding to better serve military veterans. We filled our conversation with insights, including: Build a habit for budgeting and be consistent. Set up a personal reward system. Don’t use credit if you don’t need it. Make financial literacy a family conversation. Using a vision board and money mantras. Be inspired and enjoy the show! Connect with Annette: Website: www.harriswealthcoach.com LinkedIn: https://www.linkedin.com/in/harriscashcoach/ Instagram: https://www.instagram.com/harriscashcoach/ YouTube: https://www.youtube.com/channel/UCgP-ESGUFRnNp_Bg4_ylpOA Facebook: https://www.facebook.com/harrisfinancialcoach Connect with Kris Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang Featured In:

Financial Resources Get a Jumpstart on Your Goals Today Here are a few resources for budgeting, saving, and investing for the long run. Use these resource fundamentals to get your budget on track. Mommy, Can You Teach Me About Money, by Annette Harris Money Printables For Kids Budgeting Books Hand Curated Picks Advertiser Disclosure E-File Tax Filing Advertiser Disclosure Vision Board Inspiration

About Annette Annette Harris is an Accredited Financial Counselor and a Certified Financial Fitness Coach . She has been a noteworthy financial and human resources leader for over 15 years. She is a U.S. Army veteran and the Founder of Harris Financial Coaching . Annette also achieved debt freedom and financial independence in her 30s by paying off her 30-year mortgage in eight and a half years. ​ Annette has helped military and civilian clients break through the obstacles that seem to be holding them back. Life's too short to be unhappy, unsure, or unfulfilled. Let Annette help you learn and develop better ways to handle the issues standing in the way of your goals. Get in touch today to take the first step towards financial freedom. Annette's Story Annette has touched many lives while serving in the military and the human resources field. One day, she decided to expand her passion for service to others by striking out on her own journey. At a young age, Annette watched her mother manage the family's finances and, throughout her career, has worked with employees to explain compensation and benefits options. In this process of service to others, she developed a deep-seated passion for financial literacy education. Annette is a trusted financial coach that can help you achieve your goals. ​ Annette was honored with the 2021 Jacksonville Business Journal HR Impact Award for her contributions to the human resources field. She holds a Juris Master Degree from Florida State University and resides in Florida with her spouse and children. ​ What Else? Annette loves to travel and has a list of places she would love to visit, like Spain, Hawaii, Egypt, and France. So far, she's visited Antigua, the Bahamas, Puerto Rico, Turks & Caicos, Jamaica , and Mexico . Living in Florida and Georgia, she's visited all the hotspots like Savannah, Atlanta, Orlando, Tallahassee, and more. ​ Press Kit 👈🏾 ​ Harris Financial Coaching holds the following business certifications: Certified Military Spouse Owned; Florida Woman, Minority, & Veteran-Owned; and Service-Disabled Veteran-Owned Small Business . Books Written by Annette Harris

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Your Path to Financial Freedom and Success Welcome to The Informed Finance Blog, your one-stop shop for all things financial. Here you can take control of your money and achieve your financial goals. Whether you're just starting out or seasoned in managing your finances, there's something for you. Annette Harris Mar 10 Gen Z & Money: Mastering the Crypto Craze Uncover the truth about the crypto craze and master the art of investing in cryptocurrency. Learn to navigate risks and build a solid future Annette Harris Feb 18 A Beginner's Guide to Savings Bonds Savings bonds offer a safe, accessible way to grow your money while supporting the government. Find ways you can use savings bonds to grow Annette Harris Jan 4 Tips To Teach Your Children About Finances Generational wealth is a common theme today. Reviewing the family budget with your family can eliminate the shirtsleeves to shirtsleeves cur Adve rtiser Disclosure Popular Posts Books Written by Annette Harris Annette Harris 6 Effective Approaches to Handling Debt After a Divorce 47 Annette Harris 6 Strategies for Handling Personal Finances During and After a Divorce 134 Annette Harris Creating a Judgement-Free Zone When Communicating About Financial Matters as a Couple 128 Annette Harris 9 Tips for Balancing Individual and Shared Financial Goals in Romantic Partnerships 49 Career Tips Annette Harris 5 Profitable Careers of the Future in the Age of AI Evolution Annette Harris Work Smarter, Not Harder: Surprisingly Easy Jobs in Finance You Need to Know About Annette Harris 9 Ways Employers Can Celebrate Juneteenth Annette Harris How to Start Your Business and Create a Branding Strategy Looking for something else? Start here. Retirement Entrepreneurship Homeownership College Taxes Military Adve rtiser Disclosure Recent Posts Gen Z & Money: Mastering the Crypto Craze A Beginner's Guide to Savings Bonds Tips To Teach Your Children About Finances 5-Day Family Spring Break Trip in North Carolina: A Guide to Avoiding Crowds 13 Financial Planning Tips for Aspiring Entrepreneurs The Illusion of Convenience: The Disastrous Impact of Dollar Stores in Food Deserts Read More Featured In:

Contact Do you have questions about any of the articles on this site? Are you interested in learning more about wealth management, achieving financial goals, or personalized career advice? ​ Reach out to get to know more. 💗 We can have a virtual coffee meet-up! Featured In:

Video Resources The Informed Finance Blog addresses a variety of topics surrounding wealth management and money saving strategies, and we believe it’s important to provide up-to-date resources for our users. Check this section often to stay in the know with video updates of the latest trends. Subscribe on YouTube for more helpful advice. Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied How to Teach Kids About Money Play Video Play Video 00:27 Why Keeping Track of Your Spending is Important Each one teach one. Parents make mistakes too, and forgetting to submit a bill payment can easily happen. However, setting up automatic payments and checking your bills at least monthly can ensure that you keep your payments on track. Having conversations with your children about life lessons is important. Every nugget of advice you give them will make them more productive citizens and give them the ability to function successfully when they leave the nest. What better way to see your teaching in action than your children modeling the behaviors and practices you taught them! Website ➡️ https://www.harriswealthcoach.com/ BLOG➡️ https://www.harriscashcoach.com/ Instagram ➡️ https://www.instagram.com/harriscashcoach #HarrisCashCoach #teenagerslifehack #senior2023 #financiallyliterate #payingoffdebt #payingbills #generationalknowledge Play Video Play Video 01:47 Fun and Educational Money Books for Kids | Mommy Can You Teach Me The "Mommy Can You Teach Me?" series on Amazon is a collection of children's books designed to make learning about money fun and engaging for young readers (ages 3-8). Check them out on Amazon! https://www.amazon.com/stores/Annette-Harris/author/B0CNTMM6RP Mommy, Can You Teach Me About Money? (Book 1): Explores basic money concepts like earning, spending, saving, and budgeting. Mommy, Can You Teach Me How to Save? (Book 2): Focuses on the importance of saving money and building good financial habits. Mommy, Can You Teach Me How to Budgett? (Book 3): Introduces budgeting skills and the importance of setting goals Mommy, Can You Teach Me About Investing? (Book 4): This book is coming soon and teaches children about low, moderate, and high-risk investing. #kidsandmoney #financial literacy #childrensbooks #savingmoney #financialeducation Play Video Play Video 00:26 Teach Me How to Invest | Young Adult Book Mom, Can You Teach Me How to Invest? is now available on Kindle and via Paperback! This book is designed to inspire teenagers to uncover their true motivations for investing through relatable analogies and interactive reflection questions. Join Destiny and Trey on yet another exciting journey into the world of investing that is both interesting and engaging. Get your copy today: https://lnkd.in/eEJRM2Rm Author Page: ➡️ https://www.amazon.com/stores/Annette-Harris/author/B0CNTMM6RP Website ➡️ https://www.harriswealthcoach.com/ #kindleebook #kindleunlimited #childrensbooks Play Video Play Video 00:51 Storytime with Annette Harris | Youth Financial Literacy Author Annette Harris on the and how to win the financial game! Empowering Black youth about money matters! Watch author Annette Harris read excerpts from her book, "The Great Money Quest," to a young, engaged group. This is a fun and insightful look at financial literacy for the next generation. Their faces lit up with joy as they saw characters that resembled them, reminding them that they too can reach their goals and dreams. #BlackExcellence #FinancialLiteracy #TheGreatMoneyQuest Play Video Play Video 01:37 Book Release Update | The ABC’s of Money for Little Spenders We have some great news to share with you! The ABCs of Money for Little Spenders is now available for pre-order and will start shipping from May 1st. This engaging book is designed to introduce children to the world of money while also teaching them the alphabet. With fun illustrations and relatable examples, the ABCs of Money for Little Spenders is the perfect way to help your child develop important financial skills from a young age. Don't miss out on this unique opportunity to instill good money habits in your little ones. Order your copy of the ABCs of Money for Little Spenders today and watch your child's financial literacy soar! Get your copy today: https://amzn.to/4cjY26P #childrensbookauthor #financialliteracyforkids #kidsbooksonline

Amazon Associate As an Amazon Associate, I earn from qualifying purchases. ​ I try my best to provide you with helpful information relating to financial literacy. This can include sharing links to products sold by Amazon. The price is the same for you regardless of this link, but Amazon earns less because a small portion is shared with me. By clicking through to Amazon using my link, I receive a commission on your entire purchase during that instance with no added cost to you. Think about it like indirectly supporting financial literacy education! I promise to only refer you to products that I have personally used, books I have read, or alternatives I've researched and wholeheartedly endorsed but may not have purchased for myself. I hope to simplify your search by directing you to the product you need during your financial literacy journey. If you have any questions, please do not hesitate to reach out.

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