That’s what 30 years of pastoral ministry taught me—and what drives everything I do as a financial coach today.
Rigorous training in proven debt elimination and wealth-building systems
Specialized experience guiding people through life's most challenging transitions
For nearly three decades as a pastor, I discovered something unexpected: the deepest crises people faced often had dollar signs attached. I watched marriages crumble under financial pressure and counseled families who felt ashamed of their economic struggles.
These weren’t people lacking character or intelligence. They were good people trapped in systems that didn’t serve them, carrying beliefs about money that were slowly destroying their peace.
I’m Robert Hayes, founder of Fresh Start Coaching. I believe that understanding people comes before understanding spreadsheets. And that the best financial plans are built on a foundation of genuine care, not generic formulas.
What sets Fresh Start Coaching apart
We blend proven financial strategies with transformative mentorship, creating a space where:
Vulnerability is strength –
No judgment, just grace
Progress beats perfection –
Celebrate $50 wins as fiercely as $5,000 milestones
Values drive decisions –
Align spending with what truly matters to you
Your story matters –
Every financial plan honors your unique circumstances
Sleep deeply, knowing emergencies won’t derail you
Confidently fund dreams or pivot careers
Leave a legacy, not just a balance sheet
Your financial life is inseparable from your emotional life, relationships, and deepest values. You’re not a spreadsheet to be optimized—you’re a human being deserving dignity and care.
If this sounds familiar, you’re in the right place:
When we work together, you’ll never be:
Judged for past financial decisions—everyone has a story
Pressured into systems that don't fit your life
Abandoned in the process—this is a relationship, not a transaction
Treated as just another client—you're a human with dreams, fears, and hopes
Most importantly:
You’ll discover that seeking help isn’t an admission of failure—it’s an act of courage.
Client Transformations
We had gotten out of consumer debt before, but wandered our way back in. We knew we needed help this time around, so we could get out of debt and stay out of debt. Robert helped us see our income in a new light. Through biblical guidance, he gave us tools, not only to manage finances, but to communicate through difficult conversations. From managing job changes, auto accidents, and even family issues, there’s no problem Robert can’t help with. We are very thankful for Robert’s help in paying off a total of $81K, saving an emergency fund, and saving for a house. Praise God, our family tree has been changed!
Jamie and Allyssa
“I quit checking my account with anxiety”
Now I feel confident about every financial decision
“Having a clear plan changed everything—I finally feel in control.”
Rachel M.,
Product Marketing Lead
“We were living paycheck to paycheck despite good incomes”
Now we’re consistently saving and have clear goals
“The system Roberts created actually works with our real life.”
Arjun & Tara S.,
Civil Engineer & Content Strategist
“Money felt overwhelming and complicated”
Now our finances feel simple and manageable
“I never thought money could feel this straightforward.”
Kevin L.,
Data Analyst
Founder, Fresh Start Coaching
Ramsey Solutions Certified •Leadership and Health Coach
