Armonite Albalak, AFC®

Before becoming an Accredited Financial Counselor®, I spent years in banking and IT, where I developed a love for details, systems, and solving complex problems. But it wasn’t until I left the tech world that I realized my true passion: helping people navigate both the practical and emotional sides of money.

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I believe that financial wellness goes far beyond numbers. It’s about how you see yourself, what you’ve been through, and what you want your life to look like moving forward. Whether you're learning to budget more intentionally, reduce debt, build your credit, or start saving with purpose, I provide not just guidance but the kind of support and accountability that makes lasting progress possible.

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What lights me up most is seeing those “aha” moments when a client realizes they can make a change, and it starts to click.

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Outside of work, balance is everything to me. You’ll often find me hiking, playing pickleball, ballroom dancing, singing in my community choir, or soaking up quality time with my grandson. I’ve lived in three different countries, and those experiences continue to shape the way I show up in my work with empathy, perspective, and a deep belief that no matter what your past looks like, you can always rebuild.

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So, if you’re ready to take the next step whether it’s sorting out your spending, creating a credit plan, or finally chasing that long-term goal, I’ll meet you where you are, and walk with you as far as you're ready to go.