Armonite Albalak, AFC®

I spent the first part of my career in banking and IT, building systems and working through spreadsheets all day. But the part that stayed with me wasn’t the data. It was the people who quietly carried money worries for years because they didn’t know who to ask.

​

Money is rarely just math. It’s what you heard at the kitchen table growing up. It’s sending money home, or being the person everyone calls when something breaks. It’s the subscriptions you forgot about, the buy-now-pay-later plans that seemed small at the time, and the feeling that everyone else figured this out years ago. Most of us were never taught any of it.

​

Some of my clients want a budget they’ll actually use. Others are paying down debt, rebuilding credit after a hard stretch, or saving for something they’ve been almost too nervous to say out loud. Whatever brings you here, I’ll help you see where things stand and find a next step that works for you, and I’ll never make you feel bad about where you’re starting.

​

My favorite part of this work is the moment someone realizes things are more manageable than they feared. You can almost see their shoulders relax.

​

Outside of sessions, you’ll find me hiking, playing pickleball, ballroom dancing, singing with my community choir, or spending time with my grandson. I’ve lived in three different countries, and each one showed me how differently people think about money. I bring that curiosity to every conversation.