• Do you feel financially secure?
  • Are you prepared for unexpected emergencies?
  • Do you have the money to meet your goals and live the life you want?
* FACT: 7 out of 10 U.S. adults are stressed about money.
Our goal is to provide the support needed for a solid financial foundation, ensuring success in various life events.

We are the go-to resource, offering expert guidance on budgeting, credit management and overall financial wellness. By ditching the traditional restrictive budgeting plans you will learn to manage your money and spending while still allowing yourself to enjoy the things you love. Symbolizing balance between finances and life, we help clients navigate transitions with confidence. As your dedicated financial coach, I will be here every step of the way cheering you on and being your biggest supporter as we aspire to be the catalyst for positive change. We strive to create lasting positive impacts on lives, families, and communities. Be empowered to live your life goals!

What Can Perfect Cents Do For You?

Financial Clarity and Guidance
Financial Clarity
and Guidance
We work together to come up with a customized plan to define your financial goals, prioritize your objectives, and create a strategy to achieve them.
Behavioral Change
Behavioral Change
I will help you recognize and identify unhealthy behaviors such as overspending, impulse buying, or procrastination. By implementing a new money mindset, you can achieve better financial outcomes and sustain long-term success.
Transitional Guidance
Transitional Guidance
Transitions such as divorce, separation, occupational changes and etc. are hard. I am here to support you navigating through difficult and challenging times keeping your goals in mind.
Financial Education
Financial
Education
I will give you the educational resources to empower you to make informed decisions about your money and build long-term financial literacy and competence.
Overall Support
Overall Support
I will serve as your trusted resource, helping you navigate difficult financial situations, overcome obstacles, provide unbiased advice and support to find practical solutions to financial problems.
Long-Term Success
Long-Term Success
By working together, I will provide you with the resources, tools, guidance and accountability to make smarter financial decisions to create a brighter future for yourself and your loved ones.

Ready to Reach Your Money Goals?

BOOK AN APPOINTMENT

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Together, we’ll create a customized financial plan tailored to your unique goals, priorities, and circumstances.
We will define and prioritize your financial goals, whether it’s buying a home, creating a savings plan, paying off debt, starting over or just starting out. We will establish realistic and achievable goals based on your current financial situation and future aspirations.
Learn practical strategies for budgeting, tracking expenses, and maximizing your financial resources.
Say goodbye to debt stress! I’ll help you develop a plan to pay off debt efficiently and regain financial freedom.
Want to improve your credit score? Let’s work together to attain the credit score you’ve always dreamed of.
Discover smart ways to save for the future and build wealth through strategic saving.
My Perfect Cents

Expense Analysis

starting at $250

Includes one customized one-on-one coaching session to review findings and provide summary (30 mins)

  • Duration: 1 month
Sign up now
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Bronze Package

$550Investment

Includes four customized
one-on-one
coaching sessions (60 min each)

  • Duration: 3 months
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Silver Package

$900Investment

Includes seven customized
one-on-one
coaching sessions (60 min each)

  • Duration: 6 months
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Gold Package

$1,495Investment

Includes thirteen customized
one-on-one
coaching sessions (60 min each)

  • Duration: 12 months
Sign up now
All Packages include the following:

Free initial consultation (30 min) to talk about your needs. Customized plan tailored to your financial needs and goals. Define and prioritize goals and progress tracking. Strategy to establish healthy financial habits by changing your overall money mindset. Emails support between sessions and twice a month 15 min check-in calls. Access to resources and tools.

  • Marnie Montgomery
    Nicole Veliz of Perfect Cents is a delight to work with. Money management is definitely not my best skill, but she is helping me to be smart about budgeting, and to better understand my income and outgo. She appreciates my interests, and is helping me to pursue them while still becoming financially responsible.

    Marnie Montgomery

  • Dominick and Kirstie Rodio
    As newlyweds, my husband and I decided to reach out to Nicole for some financial guidance. She has worked with us to combine our finances and learn how to use our income wisely. She assisted us with allocating our money smarter and in turn that helped us pay more of our debt down.  Nicole has put us on the right path to financial freedom, and now everything makes “perfect cents”.

    Dominick and Kirstie Rodio

  • Katie
    Let me start by saying I was not a money savvy or money minded person prior to having the support of Nicole from Perfect Cents. I always knew that I should save money and plan for my future but I never knew the right or best way. I was the type of person that would receive money and spend it along with saying, “I will save more next time” but never did.  After working with Nicole and having her support and guidance, I have a better understanding of how important it is to save and how to best save for my future. She understands that I enjoy getting my nails done and stopping at Starbucks for coffee, but she helped me budget appropriately.  Nicole helped me learn how to be financially stable and strong while having fun! If you are looking to make changes that will help you now and, in the future, I would NOT hesitate…reach out to Nicole at Perfect Cents. She is a wise woman who will support you in so many ways. Thank you, Nicole!

    Katie

  • An extremely satisfied client!
    I want to extend a sincere thank you to Nicole for her outstanding assistance with my finances that went above and beyond. After a grueling divorce that left me overwhelmed and not knowing where to turn for advice, I heard through word of mouth of a woman who helps with finances. After my first call with Nicole, she gave me a good feeling and my instincts told me to trust her. I could see behind her friendly smile that there was this helpful, confident and knowledgeable woman, which certainly gave me the hope that I needed. She contributed much devotion by taking the time to perfect a plan designed specifically for my delicate situation. Her empathy towards me was outstanding and she made me feel like a real person by listening and caring. Nicole made sure that I fully understood the plan that she executed for me. She’s not just a businesswoman like others. She’s unique and down to earth who has kindness and empathy for her clients and will make you feel welcome. I really can’t thank Nicole enough for getting my finances in an order that is simple enough for me to understand. She has turned my difficult situation around and made my life so much easier. I recommend choosing Perfect Cents to others who are struggling with finances. Nicole is amazing and you won’t regret this decision! Thank you very much Nicole!

    An extremely satisfied client!