01 / FIND CLARITY
Give your money a plan.
Understand what comes in, what goes out, and what needs to change. Build a spending plan that fits your actual life.
- Budgeting and cash flow
- Spending priorities
- Household money conversations
Faith. Wisdom. Freedom. Generosity.
A clearer path
for your money.
A fuller life.
You don’t have to figure it all out alone. Build a practical plan for your finances, rooted in your values and guided by biblical stewardship.
Personal coaching for individuals and families. Workshops for churches and businesses.
YOUR NEXT CHAPTER STARTS HERE
Clarity. Direction. Progress.One intentional step at a time.
A plan grounded in what matters.FAITHWISDOMFREEDOMGENEROSITY
Your first step · Free resource
Find your footing.
Start with the Map.
Take ten minutes to map income, spending, and one next action. The free First Waypoint Money Checkup includes a private monthly snapshot and a printable worksheet. No account or email signup required.
The eight Pathway Waypoints
One journey.
A purposeful next step.
Your finances need direction, not just a list of goals. The Pathway Waypoints help you see where you are, choose your next priority, and build toward security, legacy, and generosity.
- 01 / WAYPOINT
Map
Awareness
Verify income, accounts, debts, and essential spending.
Proverbs 27:23 · KJV ↗ - 02 / WAYPOINT
First Tank
Starter emergency fund
Fund the starter buffer before extra debt payoff.
Proverbs 21:20 · KJV ↗ - 03 / WAYPOINT
Fast Lane
Debt payoff
Work through your selected debt strategy while protecting First Tank.
Proverbs 22:7 · KJV ↗ - 04 / WAYPOINT
Rest Stop
Full Tank
Build the full emergency fund before making investing the main focus.
Proverbs 6:6–8 · KJV ↗ - 05 / WAYPOINT
Scenic Route
Investing
Review contributions and long-term investing goals.
Proverbs 13:11 · KJV ↗ - 06 / ALONG THE WAY
Guardrails
Protection along the way
Review insurance and beneficiaries at any stage, while continuing your main financial priority.
Proverbs 22:3 · KJV ↗ - 07 / WAYPOINT
Bridge
Long-term security
Coordinate retirement timing, income, lifestyle, taxes, and RMDs.
Luke 14:28 · KJV ↗ - 08 / WAYPOINT
Sunset
Legacy & generosity
Review estate-planning tasks and your legacy and generosity goals.
Acts 20:35 · KJV ↗
Protection belongs throughout the journey. Guardrails can be reviewed at any stage. First Tank grows into your full emergency fund; it isn’t a separate pot of money. Your savings targets, debt strategy, and retirement priorities are tailored to your household.
Find your footing
Less overwhelm.
More direction.
Maybe your paycheck disappears too quickly. Maybe debt feels heavy, or you and your spouse can’t get on the same page. Coaching helps turn those concerns into decisions you can act on.
02 / BUILD DIRECTION
Move toward your goals.
Put competing priorities in order. Create practical next steps for debt, savings, and the milestones ahead.
- Debt snowball or avalanche planning
- Emergency funds and sinking funds
- Investing basics and long-term planning education
03 / MAKE PROGRESS
Build habits that last.
A plan becomes useful when you follow it. Coaching brings education, accountability, and room to adjust as life changes.
- Personalized action steps
- Financial literacy
- Stewardship and generosity
Grow together
A stronger financial
foundation for your group.
Bring practical money conversations to your church or workplace. John helps your group understand everyday financial choices and leave with steps they can put into practice.
Churches & ministries
Stewardship for everyday life.
Connect biblical principles with the real money decisions your congregation faces. A welcoming workshop can open the door to better habits, thoughtful planning, and purposeful generosity.
- Building a household spending plan
- Prioritizing debt and emergency savings
- Contentment, stewardship, and generosity
Businesses & teams
Practical financial wellness.
Give employees a place to learn budgeting, savings, and debt basics. Sessions focus on useful financial education tailored to your team’s needs.
- Managing paychecks and everyday expenses
- Creating a savings and debt action plan
- Setting goals and building consistent habits
Each workshop includes teaching, practical exercises, and time for questions. Participants can work with their own examples without sharing private financial details with the group. Ask about a single event or a multi-session series.
The Pathway approach
You bring your story.
We work on the next step.
Start where you are.
Talk about what’s weighing on you, what you want to change, and what matters most to your household.
Choose your direction.
Look at your financial picture, set priorities, and work toward a manageable plan with clear action steps.
Keep taking steps.
Put your plan into practice. Review what’s working, address obstacles, and adjust your next steps along the way.
Your financial coach
John Jarrell
Financial coach · Plant manager · Worship pastor
Poplar Bluff, Missouri
Meet John
Real life.
Real responsibilities.
A purposeful plan.
I’m John Jarrell. As a husband, father, plant manager, and worship pastor, I understand that money decisions happen in the middle of a busy life.
Pathway brings practical financial education and biblical stewardship together. My goal is to help you understand your options, make intentional decisions, and take ownership of your next step.
“In all thy ways acknowledge him, and he shall direct thy paths.”Proverbs 3:6 · KJV
Choose your next step
A clear plan.
A clear price.
Choose a focused conversation, ongoing personal coaching, or a workshop for your organization. Start with a free consultation to discuss the right fit.
Free 30-minute consultation
Book a free consultation ↗Talk through your needs, ask questions, and explore your options.
Individuals & households
A focused session
$125 / session
One 60-minute coaching conversation.
- Review your situation and work on one priority: budgeting, debt, or savings
- A written action summary with your priorities and next steps
- Individual or couple: the same session rate
A plan with follow-through
$450 / four-session package
Four 60-minute sessions, typically over eight weeks.
- Session 1: review income, expenses, debts, and goals
- Session 2: build your household spending plan
- Session 3: prioritize debt payoff and savings goals
- Session 4: review progress and plan your next 90 days
- Take home your spending plan, debt/savings priorities, and written action steps; we adapt the focus to your needs
- Save $50 compared with four single sessions
Churches & businesses
Church stewardship workshop
Virtual from $350
In person from $500
One 90-minute workshop for up to 25 attendees, in either format.
- A planning call with your organizer to choose the focus
- Biblical stewardship applied to budgeting, debt, savings, and generosity
- Guided budgeting and goal-setting exercises
- A participant worksheet with space for a spending plan and next steps
- Time for group questions within the 90-minute workshop
- A digital copy of the worksheet for the organizer
Employee financial wellness
Starting at $750
One 90-minute workshop for up to 25 attendees.
- A planning call with your organizer to select the team’s focus and virtual or in-person format
- Practical teaching on paychecks, budgeting, debt, and emergency savings
- Guided budgeting and goal-setting exercises
- A participant worksheet with space for a spending plan and next steps
- Time for group questions within the 90-minute workshop
- A digital copy of the worksheet for the organizer
Workshop fees cover the entire event and are paid by the host organization, not each attendee. The host provides the venue and presentation equipment for in-person workshops and prints participant worksheets from the supplied digital file. Travel, groups above 25, workshop series, and additional customization are quoted separately. Individual follow-up sessions and ongoing email support are not included in workshop fees. Personal coaching includes the listed sessions and written action steps; additional sessions are booked separately. We’ll agree on the format, scope, and total price before you book.
Before you take the first step
A few good
questions.
Start with a conversation. You don’t need every answer before reaching out.
Is coaching right for me?
Coaching can be useful when you want help understanding your finances, creating a budget, prioritizing debt and savings, or following through on your goals. Reach out with your situation so we can discuss whether Pathway fits your needs.
Do I need to have everything organized first?
No. You can begin by explaining what you’re facing and what you’d like to change. We can discuss what information will help us understand your financial picture.
How does faith fit into coaching?
Pathway’s approach is rooted in biblical stewardship: wisdom, responsibility, contentment, and generosity. The practical work is helping you make intentional decisions about the resources entrusted to you.
What does coaching cost?
Your first 30-minute consultation is free. Personal coaching is $125 for one 60-minute session or $450 for four sessions. Church workshops start at $350 virtually or $500 in person; business workshops start at $750. See what each option includes.
Can you work with our church or business?
Yes. Pathway offers group financial education for churches, ministries, and employee teams. Church workshops connect practical money skills with biblical stewardship. Business workshops focus on practical financial wellness. Share your group size, preferred date, and topics so John can prepare a quote.
What will I leave with?
Personal coaching includes written action steps. The four-session package also develops a household spending plan, debt and savings priorities, and a plan for your next 90 days. Workshop participants receive a worksheet, practical exercises, and time for group questions. Workshops provide group education; private follow-up coaching is booked separately.
Do you manage investments or prepare taxes?
Pathway focuses on financial education, budgeting, habits, and action plans. Investment management, tax preparation, and legal matters require the appropriate qualified professionals.
Your next step
Let’s find
your way forward.
Book a free 30-minute consultation to talk through your situation and goals. For a church or business workshop, share your organization, group size, preferred date, and topics using the email option below.
info@pathwayfinancialcoaching.com ↗Please keep your message general. Account numbers and other sensitive financial details aren’t needed here.