Learn the language of money and build a healthy future

Helping you navigate your day to day finances so you can focus on your life priorities and a prosperous future.

Do any of these sound familiar to you?

  • Feeling stressed and concerned about your financial security

  • Budgeting but still overspending each month

  • Not having a plan to pay off your credit card debts, student loans, and other debts

  • Making good money but not being able to save for emergencies

  • Not having a saving plan to manage possible emergencies and future needs

  • Not knowing how to pay for your kids’ education

  • Overlooking your health and wellness needs because you are living pay check to pay check

You are not alone!

Fluent Financially helps you find personalized solutions to your unique financial struggles, so you can achieve your goals, and focus on your wellbeing.

Whether it is not having a spending plan to support your life priorities, having credit card debt and student loans, not having enough savings, and worrying about your kids college or about retirement, we are here to find your tailored path to control your money and build your wealth.

What it is like being financially fluent:

Knowledge is not enough if it cannot be translated in ways that make sense to you, your unique goals, and life situation.

Speaking the language of money is not just about providing tools and skills. It is mainly giving you the confidence to:

  • Understand how to best use your resources to make decisions to figure out how to move forward and plan ahead

  • Stay away from debt traps by making astute choices

  • Prepare for the unexpected and feel protected from the unpredictability of life

  • Make smart money moves and save for your future goals

  • Develop small and consistent habits to start building your wealth

  • Have a saving plan that allows you to develop a healthy lifestyle and care for your overall well-being

Why Fluent Financially:

  • It provides you with the knowledge and the tools to evaluate your own financial situation and make the best financial decision for you and your family

  • It guides you through the application of the tools and knowledge to reach your unique goals

  • It is a tailored process that applies money strategies and skills to organize your own finances based on where you are in life and what are your needs

  • It teaches you money management skills such as building savings, planning for a future expense, paying off debts so that you can reach your specific financial goals

  • It can help you discover what drives your financial decisions so that you can build better money habits and start accumulating assets

Welcome! I am Raffaella Molteni and it is wonderful meeting you.

My mission is to help women learn to manage their day to day finances, build their savings so they can be in control of their money, focus on their wellbeing, and navigate life challenges.

My journey to financial coaching began when I started working in international healthcare managing national and international patients programs. Through my 15 and plus years in the field I have witnessed too many people struggling to pay for medical emergencies and postponing treatment because of a lack of savings. On the other end, there were also patients that could have avoided certain diagnosis by allocating a portion of their resources to preventive care. I know things could be different if more people had access to tools and strategies to help them build savings and plan for the future.

Research shows a strong correlation between financial capability, wellness, and longevity. It is reported that more than half of Americans say money has a negative impact on their well-being due to increased stress, loss of sleep, and depression.

Because of my experiences and what research shows, I am now inspired to help individuals navigate their financial challenges and build their money foundation and systems to make healthy financial decisions, focus on life priorities, and build a healthy and wealthy future.

Your Life, Your Money, Your Financial Journey

Since every life journey is unique and we continually evolve, my goal is to support you and your family in navigating your distinctive financial challenges.

I provide the tools and knowledge needed to help you achieve your personal and financial goals.

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. It will give you the means for the satisfaction of your desires, but it will not provide you with desires.” - Ayn Rand -