Karen Richardson, FPSC Level 1®

Certified Money Coach | Northwestern Ontario and Winnipeg, MB

Karen Specializes in Assisting:

  • Individuals (including divorced, separated, widowed)
  • Couples and Families
  • Professionals

Karen Specializes in the Following Services:

  • Budgeting and Cash Flow Planning
  • Financial Education
  • Pre-Retirement Planning

“I love to show people what they can achieve with what they have, and to inspire them to realize their potential to do more!”

Karen’s Style

Karen provides a warm, friendly and trusting relationship in which people can be honest about their issues around money. She creates a safe environment where people are not judged, and instead gain the knowledge and skills to make their lives easier and happier.

Karen’s Story

Karen will never forget Sunday nights as a child, when she would watch her mother at the kitchen table paying bills and balancing the cheque book. Although Karen was kept at arm’s length during this weekly ritual, in these memories were born her earliest respect for money management.

Years later Karen would wish she’d been privy to her mother’s financial wisdom. Having become a mother of three, operating her own small business, finances felt like everything but simple. Karen watched money flow in and out of their lives, often faster than she preferred, but she was determined to take control and to manage the family finances with success—this time bringing her kids along for the journey. But where to begin: paying down the mortgage or the credit card? saving for retirement? and how much?

Karen took course after course and, to her surprise, found that she couldn’t get enough. She became well-enough informed and then went on to become an expert. Financial know-how became her passion, and her expertise bred the eagerness to help others. Becoming a money coach was the most natural next step. Most simply, it was who she had become.

Today, Karen believes deeply in the potential of others. Her business focuses on singles, couples, families and the self-employed and helping them to live fulfilling lives.

Contact Karen For a Free Consultation


A Weight Had Been Lifted

I wanted to say how great it was to meet you yesterday. I left feeling like a weight had been lifted and I am looking forward to working with you to get my finances in better shape and plan for my future!

– Jen, Kenora


Thank you again for all of your help and support.  You have been an integral part of my “Get Through Divorce Intact” team.

– Crystal

Best Investment We Ever Made

For any of you who may be getting a tax refund and can’t decide how to spend it, I HIGHLY recommend Karen – a truly Awesome Money Coach. Karen’s guidance and support have literally changed our lives and not just financially. Her services are the best investment we’ve made!

– Jessi McEwen


You have made such a difference in my attitude and hope towards finances.

– Chrissy Novak

We Are Now Talking About Our Money, Not Fighting About It

Thank you for taking an objective calculated look at this.  After we get off every call with you, we feel rejuvenated and we appreciate it.  The biggest takeaway as a couple we’re now talking about money and not fighting about money!!! Thanks for everything.

– Dave Peoples

A Friend, Counselor and Support

Karen was much more than a coach, she was friend, counselor and support during some challenging times. She always believed in us, sometimes more than I believed in myself. She became one of the family and built a trusting relationship very quickly. She will remain a life long family friend.

– Jane

Gracious, Humble and Professional

Karen is the most gracious, humble and professional person to work with. She goes well beyond her work to ensure her client feels comfortable and creates an environment of trust. I would highly recommend her to anyone looking to gain better control of their financial future!

– Jane

Karen Has My Entire Family On Track

Karen is amazing and has my entire family on track from finances to record keeping to meal planning. My house is even more organized and my evenings less chaotic because of her support!

– Jessi McEwan

Helping Couples Mediate The Financial Divide

Very very good. Fair prices, good value, and offering a good system that is easy to follow, and takes reality into account. Dealing with money, debt is one thing she is very good at, but Karen is also good at helping couples mediate the financial divide – we know! I would highly recommend her!

– Gerhard Eckhart Gehrmann, Kenora ON