Personal Financial Coaching
Your finances,
specifically yours.
The best performers all have coaches.
Elite athletes. Top executives. High-performing professionals. None of them got there alone — they had someone in their corner who knew their specific situation, pushed them past their blind spots, and held them accountable to the standard they set for themselves.
Financial coaching works the same way. The programs give you the knowledge and the framework — and they deliver real transformation. Coaching is the next layer: private, specific, and built entirely around you. Your numbers. Your decisions. Your life.
It’s also the space for conversations you may not want to have in a group setting. Financial situations are personal. Some of what’s on your mind — a salary negotiation, an inheritance, a major purchase, a financial mistake you’re working through — calls for a private conversation, not a shared one.
1-on-1 with Saijal
You work directly with Saijal — a CFA Charterholder, former high-net-worth advisor, and investment strategist with 25+ years of expertise. The depth she brings to your situation is the point.
Your numbers, your life
Every session focuses on your actual financial situation — your salary, savings, debts, decisions, goals. No generic advice. No jargon without context.
Mindset and mechanics
Coaching addresses both the knowledge gaps and the sabotaging patterns. Because knowing what to do and actually doing it are two different things — and both matter.
“When you understand your finances, you stop making decisions from fear. You start making them from options. That changes everything — not just your bank account.”
How It Works
Three steps to working together.
Intake & Preparation
The Session
Action & Accountability
Choose your starting point.
SM Core and SM Collective program members receive discounted pricing automatically. Your member rate is applied at checkout.
Single Deep Dive
US$300 / session
Member rate
US$225
- 75-minute 1-on-1 session with Saijal
- Intake form so your session starts with full context
- Session summary and recommended next steps
Most Popular
3-Session Package
US$800 / package
Member rate
US$600
- Three 60-minute sessions with Saijal
- Intake assessment before session one
- Session summaries and action steps between calls
- Accountability and follow-through between sessions
Not sure which is right for you? Send a note before booking — Saijal wants coaching to be the right fit before you invest.
Part of your bigger picture
Coaching complements
everything you're building.
SM Core gives you the financial framework. SM Collective sharpens your leadership edge. Coaching is where it becomes yours — specific to your numbers, your history, your next move. When your finances are on solid footing and your mindset is clear, you show up differently. In every room. In every decision. That’s what we’re building toward.
A 5-module personal finance curriculum. The foundation. Coaching deepens what you’ve learned and applies it to your specific situation.
Everything in SM Core plus business fluency for leaders and executives. Coaching gives you the 1-on-1 space to work through the financial decisions that matter most at this stage of your career.
"I had no idea I was paying $17,000 a year in advisor fees until I worked with Saijal. She helped me take control, hold my advisor accountable, and restructure my portfolio and retirement plan—putting $5,000 a year back in my pocket. Three sessions paid for themselves many times over.."
J. lumsden
Retired