Does Any Of This Sound Like You?
You’ve tried budgeting apps, spreadsheets, and advice online—but none of it fits the full picture of your life.
The Business Owner
You're managing business and personal finances that blend together, and it's hard to know what money is yours to spend. You need clarity, separation, and a structure that supports both sides.
The Financially Misaligned Couple
You and your partner want to get on the same page or figure out how to manage finances together. You might be managing your finances separately with the goal of merging but want a process that feels fair and seamless.
The Variable Earner
Your income fluctuates from bonuses, commissions, or freelance work. You never know how much to budget or save month to month, and it feels impossible to plan.
The Multi-Account Juggler
You’ve got too many accounts, properties, or debtors and no central system holding it all together. You need simplicity and a big-picture plan.
The Life Transitioner
You’re starting a family, moving, changing careers, or navigating a divorce. You need to reset your financial foundation and create a strategy that supports what’s next.
The High-Income, Big Spender
You make great money but always feel like you're falling behind. You know you overspend, and despite trying to rein it in, it never sticks. You need hands-on support, frequent accountability, and a coach who understands that this isn’t just about money—it’s about reducing stress and finally feeling stable.
The High-Income Budgeting Solution
What You Get Inside the Program
We understand the unique challenges of managing a high income that isn't always consistent. Traditional budgeting methods simply don't cut it. That's why we've developed a powerful framework to help you:
Create a Sustainable Budget
Build a flexible and realistic spending plan that adapts to your income fluctuations, ensuring you're always on track.
Automate Your Finances
Streamline your savings, investments, and bill payments so your money works for you, effortlessly.
See Your Bank Account Grow
Develop clear financial habits and strategies that lead to tangible wealth accumulation.
Master Your Money Mindset
Cultivate a positive and empowered relationship with your finances, fostering clarity, confidence, and control over your financial future.
How It Works
Your Journey Begins Now: Simple Steps to Get Started.
Apply For A Spot
Spaces are limited to ensure a high level of support. Fill out the brief application to let me know about your goals and financial situation.
Book A Consultation Call
If you've been accepted, you'll receive an email to schedule a free 30 minute consultation to make sure this program is right for you, answer questions, and plan your program.
Begin Your Customized Financial Journey
Once confirmed, we’ll schedule your first session and begin your 6-month journey to build the custom financial system your life demands.
Who You'll Be Working With
Taylor Westergard Smith
Financial Coach
Taylor, the founder of Evolving Money, is dedicated to helping people of all income levels achieve financial well-being, drawing from experience with millionaires to students. Having personally understood the stress of money management, Taylor offers a non-judgmental and supportive approach, aiming to help clients spend in ways that enhance their present lives while building a secure future. With credentials as an Accredited Financial Counselor®, a Certified Financial Planner (CFP®), and a bachelor's degree in Personal Financial Planning backed by seven years of experience, Taylor invites you to schedule a call to begin your financial transformation.
320+
Households
7 Years
ExperienceHear From Our Successful Clients
See How the Sustainable Budget Program Has Transformed Lives
Taylor is amazing. I was in such a financial mess I was having anxiety about it. In just a few sessions everything was clear, organized, at my fingertips and easy to understand. Once I could see my financial picture, with her guidance, I was able to turn things around and regain control. Taylor is so friendly, supportive and nonjudgemental, exactly what you need when you are stressed out about disorganized finances. The best part is, more than advice, she helps you connect your goals, values and dreams to your financial plans so it's easy to reach goals. Don't hesitate, sign up, this work is lifechanging!
Michelle C.
Client
Taylor has been a lifesaver! We have struggled with different personal budgeting apps, and with a growing family have a slightly complex budgeting situation. Taylor took the stress out of coming together and creating a budget my husband and I can track. Our family is so much better off now and for the future thanks to Taylor and Monarch money :)
Marissa M.
Client
Taylor is an absolute delight to work with. She is extremely knowledgeable, thorough, and her guidance has helped us tremendously. We have worked with Taylor to help us strategize and track our finances for both personal and business. She has helped us pay off debt, prioritize our goals, keep us accountable, and refer us to many people that have been able to help with further investments. Taylor is easily the best investment we have made in our business and personal lives!
Emily L.
Client
Besides being extremely personable and fun, Taylor is very professional and is an expert when it comes to financial advice. She has a passion for numbers, budgets, and helping people get back on track financially and this enthusiasm shines through when she's helping you. I can't imagine a better person to work with and I'd recommend her to anyone.
James M.
Client
Taylor pulled me out of befuddlement muck and also eliminated a lot of personal stress regarding ongoing budgeting. I had recently switched from Mint to Monarch and, while Monarch is a really great tool, I am not an accountant by any stretch. I had too many “in the weeds” questions. Taylor was able to answer them quickly and she’s continuing to provide me with personal coaching. I have learned a lot and I’m amazed at the progress we’ve made in just a few months. I highly recommend Evolving Money to anyone needing help with managing their personal finances.
Robin D.
Client
Here are some frequently asked questions (FAQs) about the Evolving Wealth Pathway:
How is this different from your membership or one-time coaching?
This is a private, ongoing coaching relationship built specifically for complex financial lives. Unlike the membership or a single session, this program gives you 3 – 6 months of consistent, strategic support to implement and sustain long-term change.
Do I have to use Monarch Money?
No. We will work together to determine the best budgeting app for you and your situation. Monarch is the most commonly used, but I also help my clients implement their budgets in YNAB, EveryDollar, Quicken Simplifi, and more!
Will this include tax, investment, or retirement advice?
No. This is financial coaching, so I won’t mange your investment, file your taxes, or help you allocate funds to various retirement accounts. We will determine how much you can save for retirement after determining your available cash flow and surplus, but you will work with a financial advisor of your choice to set up retirement accounts and get investment advice.
What kind of results can I expect?
Most clients walk away with a complete cash flow system that is automated for their busy schedules, a debt payoff plan (average debt paid off during the program is $12k+), optimized account structure, thousands of hours saved from stressing about money, and confidence in their financial future. Clients usually see an increase in their net worth of anywhere from $10k to $100k (results vary due to situation and dedication to implement).
How much time will this program require?
The time commitment will vary depending on your needs and the program design. Generally, the first month is the most time intensive with about 3 hours of live meetings with your coach and 1-5 hours of action items split between the initial meetings. After that, a cash flow system usually requires about 10 minutes a week to maintain and 30 minutes to 1 hour with your coach to review how the month went and prepare for the following month of spending.
What if I have questions about the program before committing?
If your application is accepted, you’ll be invited to join a free Q&A call with your coach, to ask all of your questions to make sure the program is a good fit for you. During that call we will either get you onboarded, or direct you to other services that might fit your needs better. No commitment required until after the Q&A call.
What if I need help with my finances urgently?
I’d suggest joining the Sustainable Budget Membership and booking a two hour budget intensive instead. This way, you can get on the calendar within a few weeks and get your primary concerns addressed. If you still want to pursue a 3 – 6 month program after that, then that fee will go toward your program. This is a common route for folks who are making a big decision like quitting their job or buying a home and need guidance quickly.
How much does this program cost?
The Evolving Wealth Pathway is a premium coaching experience with personalized support over 3 – 6 months. Most clients invest around $3,000, depending on complexity and structure.
You’ll receive expert 1-on-1 coaching, a custom-built system, and full access to the Sustainable Budget Program. Full pricing and payment plans are available and will be discussed during your consultation.