Financial Coach

Michael Ryan
Michael Ryan
Michael Ryan, Retired Financial Planner | Founder, MichaelRyanMoney.com With nearly three decades navigating the financial world as a retired financial planner, former licensed advisor, and insurance agency owner, Michael Ryan brings unparalleled real-world experience to his role as a personal finance coach. Founder of MichaelRyanMoney.com, his insights are trusted by millions and regularly featured in global publications like The Wall Street Journal, Forbes, Business Insider, US News & World Report, and Yahoo Finance (See where he's featured). Michael is passionate about democratizing financial literacy, offering clear, actionable advice on everything from budgeting basics to complex retirement strategies. Explore the site to empower your financial future.

Welcome to the Financial Coaching page. Many times people ask:

  • What does a Financial Coach do?
  • How can a Financial Coach help me?
  • Where can I find a Financial Coach?

You are in the right spot to get all your questions answered about what is a financial coach and how we can help.  

Financial Coach

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Most Recent Articles

IRMAA Calculator – Estimate Your Medicare Surcharge (2026–2028)

Health Insurance Michael Ryan
You can trigger a five-figure Medicare premium increase with a single large taxable event. And not see the IRMAA Surcharge bill until two years...
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IRMAA Appeals TOOL: How to Successfully Lower Your Medicare Premiums After a Life-Changing Event

Health Insurance Michael Ryan
If you're facing higher Medicare premiums due to Income-Related Monthly Adjustment Amount (IRMAA) surcharges, there's hope for relief. The Social Security Administration recognizes that...
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Medicare Part B Premium 2026: Cost, Deductible & IRMAA Increases

Health Insurance Michael Ryan
The couple sat across from me, both retired 18 months. Staring at a letter from Social Security. Their financial advisor had told them to...
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Financial Planning

What Is A Financial Coach And Can a Money Coach Help You?

Money Management Michael Ryan
Have you ever felt overwhelmed by your finances and wished for a guiding hand? Welcome to "How a Financial Coach Can Transform Your Life."...
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How Much Do Financial Coaches Charge? A 25-Year Planner’s Guide to Cost vs. Value

Money Management Michael Ryan
Let’s get right to the question you’re asking: "how much do financial coaches charge?" But I know from my near 30 years of experience...
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Financial Coach Match: Find Your 2025 Finance Guru

Money Management Michael Ryan
Overwhelmed by Money Advice? The Right Coach is Your Secret Weapon. Let's be brutally honest. You're bombarded. TikTok "gurus" promising overnight riches, conflicting advice from...
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More Articles That May Interest You

Risk Management & Insurance

Payment Scams with Zelle, Cash App & Venmo; A Planner’s Defense Blueprint

Michael Ryan
Ever wonder why that Zelle or Cash App payment feels as fast and final as handing someone a $100 bill? Because functionally, it is....
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Debt Management & Credit

Picking the Best Rewards Credit Card for You: 2026’s Smart Approach

Michael Ryan
Ever feel like your credit card rewards are just buying you a cup of coffee when they should be funding a flight? You're not...
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Investment Planning

The Economic Truth: What Being a Financial Planner Taught Me About Presidential Promises

Michael Ryan
You know what drives me absolutely crazy? Watching politicians tell people exactly what they want to hear about the economy, regardless of what the...
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Risk Management & Insurance

Mortgage & Home Title Fraud: How Crooks Steal Your House (and How to Stop It)

Professor Alan Saquella
As a security and fraud investigator who teaches White-Collar Crime, I've seen the aftermath. Deed & home title fraud isn't a technical problem, but...
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Estate Planning

Free Estate Planning Checklist: Secure Your Legacy, Protect Your Family, & Avoid Probate

Michael Ryan
After nearly 30 years of helping families plan their legacies, I've seen firsthand that a well-organized estate plan is one of the greatest...
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Taxes & Tax Planning

Home Sale Profit & Cost Basis Calculator For Capital Gains

Michael Ryan
After nearly 30 years in financial planning, the most painful conversations I’ve had were with clients blindsided by a massive tax bill after selling...
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Property Insurance

Import Car Insurance Tips: Get Covered Without Getting Ripped Off

Michael Ryan
Ever found that perfect car online, the one that was never sold in the U.S., and thought, "I have to have it"? I've seen...
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Net Worth & Goals

15 Minute Monthly Financial Wellness Check In & Worksheet

Michael Ryan
Last week a client sat across from me and said something I hear at least twice a month. She had no idea where her...
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Net Worth & Goals

Psychology Backed Financial Goals Worksheet. Behavior Meets Strategy

Michael Ryan
In my 25+ years as a financial planner, I've learned a powerful truth: the clients who succeeded weren't the ones with the most complex...
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Money Management

Dave Ramsey’s 7 Baby Steps Revisited. An Advisor’s 2026 Take

Michael Ryan
A retired nurse in Tampa sits across from me, her credit card statement spread out like evidence of a crime she didn't mean to...
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