They examine a person's debt, bills and income and give advice about spending plans. Whereas I don't touch your money. I am a counselor, guide, coach. I can give recommendations. I can lead you to resources and that sort of thing.
Brokers advise clients on buying and selling stock, mutual funds and bonds.
Brokers make a commission based on their client's earnings. Money coaches and financial planners usually charge a flat fee for their advice. Another option is to visit the Consumer Credit Counseling Service, which has three offices in the Valley. The service helps young people get out of credit-card debt and advises them on their budgeting. While this agency's counseling is free, there is a charge for some of its services.