Your numbers aren't the problem.
Hiding from them is.
Accountant-trained, counselor-informed financial coaching and bookkeeping. I help you see your real situation, understand your habits, and build routines that last.
The rules of personal finance are always evolving…
How you manage your day-to-day finances looks way different from how it did five years ago.
Most money advice assumes you're missing information. Spend less. Save more. Make a budget.
But you can understand every principle of personal finance and still avoid your bank balance for three weeks. You can run a full caseload and still not raise your fee. You can earn more than you ever have and still feel like you're behind.
You’re not bad with money. But maybe your beliefs about money, worth, security, and what it means to want more — are running the show more than you realize.
How Wise Mind Financial Is Different
Most money help gives you rules, assumes they apply to your situation, and shames you into thinking that if you can’t keep up, then it’s your fault.
Real change happens when three things work together: understanding your numbers, understanding yourself, and being kind to yourself while you practice.
That's the work we do together.
Know Your Numbers
Know exactly where you stand. We set up a simple tracking system and look at what's really happening with your money, without judgment.
Know Yourself
Understand why you do what you do with money. We explore the beliefs and habits you picked up along the way, and decide which ones still fit.
Be Kind
Make changes without the shame. We practice noticing what comes up around money, so you can respond with a plan instead of dread.
Heather Lowrey, M.S.
About Wise Mind Financial
Wise Mind Financial is a bookkeeping and financial coaching practice based in Texas, serving individuals and therapists in private practice.
Since 2010, I've helped individuals, small business owners, and private-practice therapists challenge financial avoidance and learn how to be present with their finances, wherever they may be at the time — pairing real accounting know-how with an understanding of why the numbers feel unbearable to look at — and why "just make a budget" has never once been sufficient advice.
I studied economics at Texas A&M and started my career in accounting, but realized it was not my forever career. Or so I thought. After changing lanes, I became a licensed counselor, but the accounting bug never went away.
Wise Mind Financial allows me to combine the two. I’ve offered bookkeeping, consulting and coaching services over 15 years alongside my therapy practice.
TL;DR - I hold both lenses at once: I can read a balance sheet and I understand why you may want to avoid it..
Frequently Asked Questions
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Good question! Our work together is not therapy. Therapy focuses on a client’s overall mental health and how it impacts their daily functioning. Coaching is a time-limited relationship focused on reaching a specific set of goals. If I believe therapy is a better fit, I can provide referrals.
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A financial planner or investment advisor guides investment, retirement and long-term planning decisions. A CPA prepares and signs tax returns and represents you before the IRS. A bookkeeper records, categorizes and reconciles your transactions.
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I do not give investment, tax or legal advice, and I do not prepare tax returns. I help you see your current situation clearly, set up the tools to track it, and build a routine that keeps you in touch with it. I also help you work out when it is time to bring in one of those professionals, and I am glad to work alongside them. On the business side, the financial statements I prepare are ready to hand to your CPA.