Community Ladders is a financial coaching and consumer protection organization. We provide affordable, one-on-one, personal financial coaching and advisory services for all ages and incomes. As a trusted partner in building your wealth, we take a holistic approach to planning and make a long-term commitment to advising.

Membership offers the peace of mind that comes with having someone there to watch your back. We’ll save you time, keep you on track, hold you accountable, and provide protection from psychological tricks and the wild world of financial products.

An innovative departure from the typical financial planning firm, Community Ladders is a social business devoted to consumer protection, income-scaled accessibility, and upward mobility. Learn more »


Now offering FREE one-time advising sessions on home refinancing and home buying

Although Community Ladders continues to have a wait list for financial planning memberships, we are offering one-time sessions on home refinance advising and home buying to non-members. Conventional, portfolio and government (FHA and Veterans) can be covered. We will talk about how to position and qualify yourself for the best package, select the best loan structure given your finances, shop around and evaluate offers, and resist smooth sales pitches. These FREE sessions are available in-person, via telephone, or via Skype. Email us at to schedule a session.

Home Refinancing

Given historically low interest rates, refinancing can make a lot of sense under certain circumstances. There are great programs for conventional loans, government (FHA and Veterans), and underwater mortgages. However, there are a lot of potential pitfalls. There are many financial considerations, a lot of misinformation, and the commission-based industry is not nearly as reformed as one would hope. For instance, while a lot refinancings can be done at no cost to you, it doesn’t mean that that particular package is in your best interest. This FREE session typically lasts 10-20 minutes, either in person or via Skype/phone). Email us at to schedule a session.

Home Buying

Learn what programs are available and appropriate for you, including conventional and government programs, with down payment options ranging from 0 to 25%. We will discuss the true costs of home ownership, things to consider when shopping for a home, and how to mentally and financially prepare yourself for the process. We will also cover the mechanics of applying and qualifying for a loan. This FREE session normally lasts between 15 and 90 minutes. Email us at to schedule a session.