Retirement Ready Coaching
Not a rigid budget. Not a quick fix.
For women and couples over 40 who want to stop worrying about retirement and start building it using simple systems that work.
A guided coaching experience that turns your retirement vision into results through proven, personalized systems
You’ve been doing your best …
➡️ saving when you can
➡️ paying off debt
➡️ trying to keep spending under control
Here’s what that might have looked like…
→ Saving for both emergency funds and retirement, only to find yourself dipping into emergency funds often and reducing your contribution to retirement savings when money starts feeling tight.
→ Doing everything you can to pay off those credit card balances to be able to save more for retirement, only to find yourself charging on those cards again because some unexpected expense showed up.
→ You check your bank accounts daily to keep tabs on where it’s all going, but it still feels like money slips through the cracks. All you know if you’re spending a lot and you’re not sure how to adjust without feeling deprived.
Even with your efforts, retirement still feels uncertain.
And if you’re being honest, you’re secretly wondering if you’ve already waited too long to make it happen.
This is today.
But a year from now? I promise everything can change…
Relief
That’s what hits first!
You know exactly where your money is going because every choice is intentional and aligned with your goals. No more second-guessing if you’re saving enough or worried about overspending, just a clear, organized system that balances your enjoyment now and your future retirement later. Your friend is stressed about an unexpected expense. You remember that feeling... but it's not yours anymore.
Confidence
The kind that's quiet but solid.
You have a simple money rhythm that keeps bills, savings, and goals flowing smoothly every month. Your emergency fund grows steadily, your retirement savings builds consistently, and for the first time, you feel confident that your plan is working. When your coworker asks if you're "on track" for retirement, you don't wonder, you actually know your plan is working.
Pride
The private kind that catches you off guard.
You're looking at your retirement savings and realizing you are on track. Not because you hoped it would work out, but because you've built a system that makes progress clear. You feel calm, capable, and proud of how your daily money habits are creating a future you're excited about. You screenshot the numbers. Not to brag. Just because it feels good to see what you built.
Your family and friends will notice:
That you’ve stopped stressing about money. You're saying yes to things. You're weirdly calm when life throws curveballs. And when they ask what changed, you'll tell them the truth: "I finally have a system that works.”
Clients E&R
Ten months after our first session with you, [we] find ourselves in an amazing place with our finances. We have all of our big yearly payments set aside, buckets for travel, medical, gifts, home repairs, car, etc. filling up quickly. We are pleased with the method you educated us on to help us organize and feel ease and confidence with where our money is going. We are no longer holding our breath with pressure about our future finances but taking deep cleansing breaths. Each month we gain more confidence.
Retirement Ready Coaching puts YOU and your goals at the center of a personalized money system that organizes your finances, helps you save consistently, and keeps you moving toward a retirement you can enjoy.
This personalized coaching experience helps you design a clear vision, create a practical plan, and build simple money systems to support you in making retirement possible.
Ready to get organized with your money and feel confident about retirement?
What You’ll Get Through Retirement Ready Coaching
✨ Your Complete Financial Snapshot - A complete review of your income, expenses, debt, and savings to help define how much you need to retire, identify and gaps and opportunities, and create a personal plan of action so you can get to retirement faster.
✨ Custom Budget Creation & Setup - I'll personally build your budget using the Plan Ahead Method™ and show you how to use it. A proven system customized to your life, ready to use from day one.
✨ Strategic Savings System - A complete savings strategy that defines sinking funds, emergency reserves, and retirement contributions. A system also incorporated in the Plan Ahead Method™ to help you know how to fund it all without constantly feeling strapped.
✨ Intentional Spending - Learn how to align every dollar with your values and priorities for now and later. By defining what truly matters to you, you’ll make purposeful spending choices, so your money works to build the life you desire.
✨ Your Retirement Budget Blueprint - Build your estimated retirement budget by mapping out future expenses and adjusting for lifestyle changes. By defining your future expenses, you’ll uncover gaps in your current plan and gain a clear understanding of whether you’re on track to retire with confidence.
✨ Debt vs. Savings Strategy - Define a balance between paying off debt and saving for retirement. If you are concerned with the amount of debt, or it appears it is delaying progress to retirement, we’ll work together to develop a plan to support debt payoff and retirement savings so every dollar supports your overall goals.
✨ Goal Setting & The Milestone Method - Turn your retirement vision into actionable goals. We’ll break your dreams into clear, achievable steps and set focused 90-day goals using the Milestone Method, so you can see measurable progress and stay motivated during your journey.
Angela Quinteros
“Dalene has helped me view our finances in a totally different way… no strict budget, but still feeling in control.”
Jenn Ketchoyian
Working with Dalene was a game-changer. I knew I was doing okay, but now I have a system and real clarity.”
What You Can Expect With Retirement Ready Coaching
We’ll meet twice a month for a 60 minute video chat to build YOUR retirement systems, uncover savings opportunities, reduce debt, and optimize your budget.
Each session ends with clear, actionable steps to keep momentum going between calls and that’s where lasting change takes place.
Coaching is designed for progress, which is why there’s a requested three-month commitment. After that, stay as long as you like or step away at any time.
→ Two 60-minute sessions each month
→ Videos and learning tools for support between sessions
→ Email access between sessions to troubleshoot any challenges or problems so you never lose momentum
→ Minimum commitment of 3 months (so we can get some traction from your efforts!).
THE DETAILS:
YOUR INVESTMENT:
$350 / month
Next Steps:
Schedule your Retirement Ready Q&A Call below
We’ll talk through your retirement goals and challenges, answer any questions you have about coaching, and explore whether this is the right next step for you.
If it's a YES, you’ll submit a deposit to hold your spot, and book your coaching sessions.
Hi, I’m Dalene
I created Retirement Ready Coaching because I know what it’s like to face retirement without a clear plan. I spent years wondering if I was doing the right things. Some choices moved me forward and others, not so much.
What I discovered and what I now teach inside this coaching experience is that budgeting isn’t about restriction, it’s about direction. When you use your money intentionally and align it with what matters most, progress finally becomes visible.
You’ve probably heard “just save more” or tried one-size-fits-all budget templates that never stick.
That’s not what I do.
My approach is deeply personal. Together, we build a money system that works for YOU, one that reflects your values, your goals, and the way money actually flows for you. Those templates failed because they didn’t account for your unique situation.
Nothing makes me happier than watching women and couples stop worrying about money, feel confident in their plan, and take clear, steady steps toward the retirement lifestyle they’ve dreamed about.
✅ This coaching container is designed for you if:
Is Coaching Right For You?
You’re over 40 and feel uncertain or anxious about whether you’re on track and wish you had a clear plan.
You’ve been trying to grow an emergency fund while also saving for retirement, but you keep dipping into your savings or slowing your progress just to cover monthly demands.
You want to enjoy life now and consistently make progress toward retirement without giving up your current lifestyle.
You’re ready to stop hoping retirement will “just work out” and instead build a system and plan that will make retirement possible.
❌ This coaching container is not for you if:
You’re looking for investment advice or strategies to grow your portfolio. My focus is on helping you create the income flow and systems that support your savings goals and growth with a trusted professional for investment guidance.
You’re hoping for a quick fix without making changes to your current money habits or routines.
You’re not open to guidance, accountability, or learning a personalized approach that’s designed for your unique life and goals.
Retirement Ready Coaching is built on a proven system that has helped clients save anywhere from $4,800 a year (on lower incomes) to $44,000 a year (on mid-level incomes). These results have given them financial stability, purpose and direction, and renewed confidence in making retirement possible.
Even if you commit to the minimum 3 months, you’ll walk away with:
A clear monthly savings number and a system to prioritize it
A personalized plan for saving (think sinking funds to retirement accounts)
A daily money system that keeps you organized and in control
Those three things alone bring the clarity, confidence, and peace of mind you’ve been looking for and proves you can make real progress in just three months.
The real risk isn’t the cost of the investment, but in you staying stuck, guessing what to do next, and watching time and opportunity slip away. The longer you wait, the less time you have to take corrective action if that is what is needed.
Questions About Coaching
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I have worked with several individuals in various circumstances and it has supported them in what they needed. As long as you are honest about your situation and willing to put in the work, you will see progress. While I don’t make any guarantees, even those clients who were hesitant about using the specific system I taught, I either tweaked to their personality or showed them how simply it could be used.
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That’s because most budgeting methods don’t reflect real life. My focus is to help you build a system that aligns with your lifestyle, values, and natural money habits, not a rigid set of rules. When it fits you, it works.
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Other than the one hour twice a month, the time spent on managing your money will not be more than 30 minutes a day, if that. And that is only in the beginning. It is important to be aware of our finances daily, especially when making changes. Honestly after a couple months work, you will define a money routine that will be more inclined to what you need and what works best for you and your schedule.
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Maybe. But if you’re not a numbers person, haven’t had much success to date, jumping in with a coach for 3, 6, or 12 months will get you there quicker. I have finished this path and had to figure it out on my own. I truly wished I would have known all of the things I do now, or at least half when I began my 15 year retirement journey.
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It’s never too late. The sooner you get clarity, the more choices you’ll have. This coaching experience is designed to give you support where you need it most. Figuring out how best to close gaps and make the biggest impact is where we’ll start.
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After year of coaching, I’ve realized that individualization and customization is where my clients find the most success. We’ll begin with what I have as a framework and tweak that process until it is working for you.
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ILet’s start with what it doesn’t mean. I won’t just be teaching you a bunch of things and hope they work out. While I have a process and system, if that is not your style I guide you through making it yours. What works best with your skills and personality. I also guide you through making the decisions you have inside you regarding money and retirement. With this guidance, stories and beliefs will rise up that we’ll need to solve together for you to make progress.
You’ve been thinking about retirement. Maybe for a while.
You may have downloaded a checklist, listened to several podcasts, hoping it would clear out the exact steps you need to take, but instead you’ve found yourself circling between spending, saving, paying off debt, or a combo of each.
Or maybe you’ve been thinking that you just need to find that one thing that FIX your spending or SAVE you enough money. But you’ve searched and searched without finding that specific thing you thought you needed.
But your search did lead you here and if it feels like the right step
Retirement Ready Coaching is here to guide you on your path to retirement.
If ongoing support isn’t what you need right now, be sure to take the Retirement Ready Quiz and become a part of my community to get notified of upcoming workshops and trainings. Don’t forget, you can always catch me on the Wealthy After 40 podcast to support your path to retirement.