Hi, I’m Jen.
I built this practice because I know what it feels like to look at your finances and feel like you’re the only one who hasn’t figured it out yet. You’re not. And you don’t have to figure it out alone.
I know what it’s like to carry this.
Money stress has a particular weight to it. It’s not just the numbers. It’s the 2am mental math, the low-grade anxiety when something unexpected comes up, the way you start to avoid looking at your accounts because whatever you find feels like evidence that you’re doing something wrong.
I know how overwhelming it can feel to manage everything yourself, to second-guess your financial decisions, or to feel like you should have this figured out by now.
That feeling is more common than you think. And it’s not because you’re irresponsible or bad with money. It’s because most of us were never taught how to do this — not in school, not at home, not anywhere. We were just expected to figure it out. I built Balance & Bloom because I believe you deserve better than that.
The experience I bring to your corner.
I'm a Certified Public Accountant with 22 years of experience auditing federal programs and government contracts ranging from the millions to billions of dollars. No two audits were the same. Every audit was a different organization, a different system, a different set of financial programs to evaluate.
That kind of work trains you to think critically in a way that's hard to replicate elsewhere. Not just "are the numbers accurate" but "does this system actually work? Is it doing what it's supposed to do? And if not, why not?"
That question is at the heart of everything I do with clients now. Most financial stress doesn't come from a single bad decision. It comes from a system, a budget that was never built to hold, a cash flow pattern that was never examined, a set of habits that made sense at one point in life and quietly stopped working. The problem isn't obvious. It's structural. And finding it requires the kind of careful, critical thinking that two decades of federal auditing builds into how you see financial information.
What that experience taught me above everything else is this: the people who struggle most with their finances aren't struggling because they're not smart or disciplined. They're struggling because nobody ever looked at their full picture critically enough to identify what was actually broken and built them something better.
That's what I do now. Just for people and small businesses instead of federal programs.
CPA
Certified Public Accountant
22 Years
Federal auditing
How I actually work with people.
My job is to help you organize and understand your own financial picture clearly enough to make good decisions and then stay with you while you build the habit of actually making them.
I’m direct. If I see something in your finances that needs attention, I’ll tell you. Not to make you feel bad about it but because you hired me to help you and helping you means being honest about what I see.
I’m also practical. The systems we build together are designed for your real life, not an idealized version of it. That means they hold up when something unexpected happens, when your income fluctuates, when life gets complicated. Because life always does.
And I’m in your corner. If something comes up — a decision you’re not sure about, a number that doesn’t look right, a moment of panic before a big purchase — you’ll have someone to reach out to who actually knows your situation.
What you can count on from me:
✓ No judgment about where you’re starting from
✓ Honest assessment of what I actually see
✓ Systems built for real life, not perfection
✓ Consistent, reliable support between sessions
✓ CPA-level expertise in every conversation
✓ A commitment to your long-term confidence
What I believe about money.
Clarity before everything.
You can’t make good decisions about money you don’t understand. Before we talk about goals or growth, we make sure you have a clear, honest picture of where you are. That’s the foundation everything else is built on.
Shame has no place here.
Whatever your finances look like right now, that’s just where we start. Not a verdict on who you are, not evidence of failure. Just a starting point. This practice exists to help you move forward, not to judge how far back you began.