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Meet Our Team

Jane Helm

Jane Helm's styling by Amy Bednarcik with Cabi.
Jane Helm's styling by Amy Bednarcik with Cabi.
Graduate Seal FCA-01

Jane specializes in helping her clients gain clarity around financial goal setting, communication and action steps that lead to increased confidence in their money lives.

She is a Certified Financial Coach who followed her passion to help people with their everyday financial decision making. After meeting with hundreds of clients in the financial services arena, she felt called to bridge the gap between the emotional and behavioral aspect of financial well-being and the knowledge of how money works. She

Having earned her degree in Social Work and Psychology, the transition to coaching has been a natural fit. She collaborates with her clients in taking meaningful and consistent steps to achieve a life of financial self-assurance. Guiding her clients through a process of discovering their core beliefs and emotions around money, she leads them to an increased awareness of self-limiting behaviors in everyday financial decision making.

One of Jane’s foundational tools is a deep dive in to each client’s money story. She learned from her own story that our earliest experiences and internal dialogues can be a source of negative behavior with money. This is especially effective when working with couples, as it brings a new awareness to each partner in learning how to communicate and set common financial goals.

She co-authored a workbook, "My Money, My Wealth," which is the foundation for the Financial Literacy Classes she teaches statewide. As a sought out public speaker, she has given workshops and motivational talks to many community organizations.

After living in and being active in many organizations in Frederick, MD for over 25 years, Jane and her husband moved to Myrtle Beach in the fall of 2020.

Contact Jane:

Karen Smith

Karen Headshot

Karen has been in the financial industry for over 25 years, working with individuals and small business owners in the accounting business she and her late husband owned. His sudden and unexpected death before the age of 50 made her realize that even though they were knowledgeable about finances, they were not prepared for this unexpected Life Event. That experience helped her realize the fragility of life and the importance of being prepared before one of life’s challenges arises.

Karen’s passion is to assist others in organizing, recording, and reviewing the crucial documents that have a significant impact on the after-effects of a Life Event. Her book is her story of why she is so passionate about this today and includes worksheets to create an inventory of legal, financial, and insurance documents that can be used to recognize areas that need updating, as well as a priceless gift to loved ones that are left behind.

As a motivational speaker, Karen has spoken at various organizations within the DC area, including Maryland Society of Accountants, Maryland Women’s Conference, Women’s Business Network, and Wholistic Women Retreats.

Karen is a life-long resident of Maryland and has lived in Frederick County for most of her life. She is a certified Life Coach through the Institute for Professional Excellence in Coaching (IPEC). She is involved in the community, serving in multiple positions on the board of Women’s Business Network, including President, Past President, and Secretary/Treasurer; a member of the 2014 class of the Chamber’s Leadership Frederick County program; a member of Wholistic Women’s Retreats; and a member of Zion Lutheran Church in Middletown.  She and her husband live in Frederick, and love to camp and travel, especially to the beautiful National Parks throughout the nation. She has three adult daughters, two adult stepchildren, and 7 grandchildren.

Contact Karen:

Alissa Locke

Graduate Seal FCA-01 Certified-Financial-Education-Instructor-Seal

Taking control of your finances starts here!

Alissa has spent her career helping people improve their financial situation, first in the mortgage industry and then in the insurance and financial services industry.  In her most recent Corporate career, she was a business Coach to independent insurance agents, helping them grow their businesses and their personal income. After taking early retirement, she felt called to help people understand their relationship with money, improve their money habits, develop a workable spending plan and gain confidence around their finances so they could live a happier, more financially secure life.

Alissa’s father always told her, “It’s not how much money you have, it’s what you do with the money you have that makes all the difference’. Financial Coaching has brought together Alissa’s financial knowledge, coaching experience and desire to help others together into one career.

Money is Alissa’s ‘thing’.  In her professional life, Alissa’s work gave her a strong foundation in financial concepts such as spending, saving and budgeting. But it was her own money journey that she credits with teaching her how to build good financial habits and how to have a healthy relationship with money, especially when your income is variable due to being self-employed or working on commission.

Alissa is a graduate of George Washington University and has a Master’s degree in Public Administration from Pennsylvania State University. While financial coaches do not give investment advice, Alissa has several advanced financial designations such as the ChFC and RICP that allow her to understand the workings of money in the financial world. To elevate her coaching skills, Alissa completed Crucial Conversations Training and the Financial Coach Academy, a training program specifically for financial coaching.

Alissa has co-authored a workshop for the Federal Employee Education and Assistance Fund (FEEA) called “10 Steps to Meeting Your Financial Goals”. This helps Federal workers understand their relationship with money, prioritize financial goals, create a budget and plan for the future.

She is an active volunteer with Woman to Woman Mentoring and the Women’s Giving Circle. Alissa lives in Frederick, MD with her husband Ed and has four children, Amanda, Ellie, Evan and Sam. In her spare time, you’ll find her spending time at the beach with her toes in the sand and a book in her hand. And making up rhymes.  She also enjoys cooking healthy meals that actually taste good. Her bad habits include drinking too much coffee and singing way too loudly in her car.

Alissa is also a Certified Financial Education Instructor, having completed the requirements from the National Financial Educators Council.

Contact Alissa:

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Do you have all of your important legal, financial, and insurance documents? Do your loved ones know where they are? Use this handy checklist to answer those questions.
You'll also receive helpful tips through our periodic newsletter.

Thank you for your interest in making sure you know what important documents will be needed during a Life Event. You can download the checklist here. We hope you find the information helpful and look forward to speaking with you soon.