Provides comprehensive financial wellness coaching to clients or employees — helping people build sustainable financial habits across budgeting, debt, savings, and life planning. Senior role inside banks, employer wellness programs, or healthcare systems where financial wellbeing connects to overall health.
Most weeks involve client and program-level work. You'll often handle complex coaching cases that combine financial issues with life or health challenges, develop wellness curricula or content, mentor newer counselors, and partner with employer HR or healthcare teams on program design. The role tends to draw from coaching frameworks, behavioral economics, and financial counseling traditions.
What's harder than people expect is the cross-domain complexity — financial health intersects with mental health, physical health, relationship dynamics, and life transitions, and learning to navigate without overstepping into clinical territory takes practice. Variance is significant between bank-based financial wellness programs (often retention-oriented, fee-based), employer wellness programs (benefits-driven, often preventive), and healthcare-affiliated programs (often serving patients in financial distress). AFC, CFT, or coaching credentials shape practice.
People who tend to thrive here are whole-person oriented, comfortable with vulnerable conversations, and patient with slow-motion behavior change. If you want high-comp investment work, this isn't the path. If you find satisfaction in helping people build financial wellbeing that compounds across life, the work tends to be meaningful and lead into wellness program leadership, healthcare-finance integration, or financial coaching practice ownership.
Where this role sits in the broader career landscape — and where it can take you.
Roles like this one sit within a broader occupational category. The numbers below reflect that full landscape — helpful for context, but your specific experience will depend on level, specialty, and where you work.
Provides comprehensive financial wellness coaching to clients or employees — helping people build sustainable financial habits across budgeting, debt, savings, and life planning. Senior role inside banks, employer wellness programs, or healthcare systems where financial wellbeing connects to overall health.
Median pay for a Senior Financial Health Counselor is about $50K nationally, with the field ranging roughly from $39K to $78K depending on experience, employer, and metro (BLS).
Core skills for this role include Speaking, Reading Comprehension, Active Listening, Critical Thinking, and Writing.
Most people in this role hold a bachelor's degree.
Employment in this field is projected to grow about 3.3% through 2034, with roughly 28,110 people working in it today (BLS).
Closely related roles include Financial Director, Financial Health Counselor, and Senior Debt Counselor.
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