Meet Denise



Denise-31I bet you’ve noticed there’s a new financial landscape out there. It is not finances as usual. BIGGER, BETTER, MORE is no longer in vogue.

The modern day challenge is right-sizing your life, fitting together the pieces of your money and life in a way that brings you peace, control, freedom, sanity and happiness.

Integrating your money and your life can be complex. It requires reflective thought, examination of your deepest values, breaking through emotional scripts and practicing mature financial behaviors.

When we bring the right skill set and mature money behaviors to our financial lives, we change our course of direction.

Are you connecting the dots here?

There are two sides to every coin. When you take charge of your money, you’re really taking charge of your life. Your current financial picture is created by your money beliefs, attitudes and practices. If you want a different financial picture, you are going to need to change the beliefs, attitudes and practices getting in your way. Still with me?

So, who is Denise Hughes? Well, let me tell you! I am a heart centered – right brained – holistic money coach that is very skilled at getting you from where you are to where you want to be in your money life. Spreadsheets are great but they don’t motivate people to change. Clients describe my approach as gentle with a firm resolve. I am direct and loving in my communication. I’ve been dubbed a Financial Anthropologist, Dean of the Money School and dynamic speaker on the Psychology of Money.

I work at the intersection of money, heart and soul. I value conversations where we dig deep to uncover the scripts preventing you from fully standing in your financial power and in exploring what really matters most to you in your life (so your money can fund this)…this is where true fulfillment lives.

Our work is not just about the numbers and you don’t have to be good at math (that’s what calculators are for). It’s more along these lines. Take a look:

12 Ways to Re-Think Your Life. (Not Just Your Money Issues!)

1.   It’s about doing money differently

2.    Making friends with money

3.    Yes. There is play and creativity around money

4.    I call it tapping into your natural abundance. (Sound good so far?)

5.     First, understand money is not one dimensional

6.     There are, in fact, two sides to every coin

7.     One side is financial, sure

8.      The other side? Emotional

9.      You need to tidy up your emotional side before fixing your bottom line

10.    This is about changing your inner script before changing your bank balance

11.    Don’t even think about financing those deep esteem needs

12.    P.S. You don’t need to be afraid of spreadsheets either


Our marriage almost ended in divorce because my husband and I constantly argued about money, even though we had a great combined income. He was a spender, I was a saver. When it came to money we were “oil and water.”

We just couldn’t seem to get on the same page or even have a rational conversation about our finances. We had the same arguments over and over. Same dance, different day. We lacked financial communication skills and the know how to make our cash flow work.

The result was growing debt, living paycheck to paycheck and worst of all we were becoming increasingly emotionally distant from one another. It’s a place of pain I never want to revisit. The arguments and living in financial crisis took its toll on many levels.

So, we sought out help and support to move through the money conflicts in our lives. Through that process, we started to understand our financial blind-spots, why we had differing attitudes about money and strategies on how to get back on the same page financially. This process was so valuable, it was the inspiration for me to begin my own financial coaching business.

I want you to know that turning your money picture around doesn’t have to do with intelligence (I have a Master’s degree in Psychology and my husband a MBA). Transforming your financial picture has to do with shifts and learning in three areas. Those areas are the practical (money management skills and tools), the emotional (limiting beliefs and blocks to money) and the spiritual (understanding that true prosperity is already within you and how to tap into that place).

Today, my husband and I live a life of financial peace and freedom. We work as a well oiled team toward our goals. Our relationship with each other and with money has been transformed.

  • Take a peek at our struggles early on



photoforgephotoI am a registered nurse in the state of California. Areas of specialty are in cardiac and behavioral health. Couple that with my Masters degree in Psychology, Certification in Finance, and you will have a clue why my favorite conversations are connecting the dots between heart, head and pocketbook!

♥ My brain has a gift for “seeing” patterns easily… I love exploring the patterns that are keeping you stuck…so we can shift to creating new patterns that enable you to experience a life of financial well-being.

♥ I live with my wonderful husband and two dogs. They are the chocolate in my day!

♥ Gardening and getting my hands in the dirt is therapy for me.

♥ I believe in a higher form of life energy, sometimes called God, the Universe or Source energy.

♥ One of my heart’s greatest joys is seeing my clients experience shifts and “ah-hah” moments, while stepping into a new way of being with money!

♥ Hiking in the redwoods and yoga are ways I stay connected and grounded.

♥ One of my favorite movies is Under The Tuscan Sun.

♥ I live life without a credit card nowadays.

♥ I grew up on a dairy farm in Southwestern Pennsylvania. My grandmother taught me how to bake farm fresh bread and my grandfather taught me how to milk cows.



I like the simple things in life. A good marriage, a couple of dogs, a few good friends, work that I love, Cook’s magazine, hiking mountain peaks, new adventures and a great cup of coffee. These are the things that fill me up!