No judgment, ever.
Whatever brought you here — late starts, hard chapters, decisions you'd love a do-over on — none of it gets a side-eye in this room. Every financial life looks messy up close. The work begins where you actually are.
About the practice
Hello — I’m Shea Ingles.
I’m a CUNA-certified financial counselor based in Port St. Lucie, Florida. I spent years inside the credit union world before stepping out to do this work on my own terms — budgeting, credit, savings, debt — built around the life you actually have, not the one a template assumes you do.
CCUFC Certified CounselorDirector of Heart2Help
Shea Ingles
Founder
Why this practice
A practice built around a single idea.
I started my career as a certified financial counselor inside the credit union world. Most days, I sat across from people in some of their hardest financial moments — a declined loan, an overdrawn account, a credit report they hadn’t looked at in years. What I noticed quickly was that almost no one needed to be lectured.
Most people didn’t need someone to judge them. They needed someone to explain things clearly and help them make a plan. The institutional version of that work has real limits — scripts, products to recommend, time pressure. I wanted to do it differently: one person at a time, the way it was supposed to feel.
So I built this practice — based in Port St. Lucie, serving households across the Treasure Coast and the rest of Florida virtually. Independent, fee-only on the coaching side, and rooted in the same idea I started with: that clarity, not judgment, is what actually changes things. A particular focus of the work is homebuyer readiness — helping people get the financial picture in place to buy a home with confidence. I’m also Director of Heart2Help — a referral program built around community giving. When someone you send my way buys or sells a home, $500 goes to a local charity of your choice. The point is simple: turn the home transactions I’m already part of into real, ongoing support for the people and causes doing meaningful work close to home.
What I believe
Three things
that shape this practice.
Practical over perfect.
The best budget is the one you'll actually follow. I'd rather build you a realistic plan you keep for a year than a beautiful one you abandon in three weeks. Real life beats the spreadsheet ideal, every time.
Progress, not perfection.
Small, consistent steps compound. We're not aiming for an overnight transformation — we're aiming for the kind of quiet progress you can feel six months in, and look back on a year later with relief.
Credentials & commitments
Trained, certified,
and on the right side of every line.
A real credential and a clear scope of practice. Coaching is the work; everything outside that scope is pointed somewhere else.
Bachelor of Business — Financial Planning focus
ActiveLiberty University
Formal undergraduate training in business and financial planning — the foundation underneath the credit-union counseling work and the coaching practice that grew out of it.
Certified Credit Union Financial Counselor
ActiveCUNA — Credit Union National Association
Formal certification in budgeting, credit, debt management, and the behavioral side of household finance. The same standard I held while counseling members inside the credit union system.
Director of Heart2Help
ActiveCommunity giving program
Heart2Help is a referral program built around community giving. When you refer someone to me and they buy or sell a home, $500 goes to a local charity you choose — your school program, food pantry, animal rescue, whatever cause matters most. No cost to you, no pitch to your friend. Just a way to turn an ordinary home transaction into ongoing support for the people doing meaningful work close to home.
Principles of practice
- No investment advice, no stock picks, no product recommendations — not my role and not my license.
- No tax preparation or legal advice. When you need those, I'll point you to someone who's licensed to give them.
- No cookie-cutter programs. Every plan is built around the household it's for.
- Confidentiality is the default. Nothing about your financial life leaves this practice without your written permission.
Start here
Ready when
you are.
Send a short intake about your goals and where you are financially. I’ll reply within a business day to set up the session that fits — or just answer your question if that’s really all you need. No pressure, no pitch, no judgment.
What to expect
- 01A reply within one business day to confirm scheduling.
- 02A 60-minute session — virtual or in person, your choice.
- 03Follow-up support by email and quick calls between sessions as questions come up.