Below are the questions we hear most often. If something isn't covered here, feel free to let us know — we're happy to answer directly
Are you Financial Advisors?No — and that distinction matters.
A financial advisor works on the practical side of money: the products, the tax implications, the investment strategies, the logical steps to grow and protect your assets. They are experts at telling you what you should do.
But most people already have a reasonable idea of what they should do with money. The gap isn't knowledge — it is behaviour. It is the reason smart, informed people still overspend, avoid their bank statements, or make financial decisions they later can't explain.
That gap — between knowing and doing — is where we work.
We focus on the behavioural and emotional side of money: understanding where your patterns come from, and building healthier habits from the inside out. We complement financial advisors rather than replace them. In fact, many of our clients find that working with us makes their financial advisor's advice finally actionable.
Not at all. All sessions take place via video conference, and we work with clients across Europe, the Americas, and beyond.
Working remotely was a deliberate choice, since 2017 — not just a practical one. The time you and me would have spent commuting is time you can invest in yourself instead.
Sessions are available in English, French, and Spanish.
None at all.
The work we do draws on neuroscience, behavioural finance, and psychology — but you won't need to know any of it. We translate what is relevant into plain language and focus entirely on what is practical and useful for your specific situation.
To illustrate this, the best starting point is the free money quiz. It takes five minutes, requires no prior knowledge, and gives you a clear first picture of what is shaping your financial behaviours.
Every session is a one-to-one (or group) conversation via video conference, typically one hour long. There is no set script — the process is built around you, your history, and what you want to change.
In early sessions we focus on exploration: understanding where your relationship with money comes from, and identifying the patterns that are no longer serving you. As the work progresses, sessions shift toward action — building new habits, testing new behaviours, and staying accountable to the changes you have committed to.
Sessions are confidential. Nothing you share goes beyond the room.
It varies — and we would be cautious of anyone who tells you otherwise!
The Pecunia Personal Discovery programme runs over four sessions across four weeks, and most people leave with significantly more clarity about what has been driving their behaviour and what to do differently. That shift in awareness often brings immediate relief.
Lasting behavioural change — the kind that holds — takes longer though. The Pecunia Personal Journey is designed for people who want to embed that change over time, at whatever pace suits them.
The honest answer is: you will feel something shift "quickly". You will build something durable "over time".
Pricing depends on the programme. We do not publish fixed rates because we tailor our approach to each client — and we would rather have a brief conversation than have cost be a silent barrier.
What we can say: the Pecunia Conversation is completely free, and it is the natural first step for anyone who wants to understand what this work feels like before committing to anything.
No — though the two can complement each other well.
Therapy typically focuses on healing past experiences and processing emotions in a clinical, ongoing framework. Money coaching is forward-facing: we use an understanding of the past to inform practical changes in the present.
If deeper psychological or therapeutic support is something you need, we will say so — and we can sometimes point you toward the right resources. Our job is to be honest with you, not to be everything for everyone.
Because most approaches to changing money habits start in the wrong place.
Budgeting apps, financial plans, and self-help books all work on the surface level — the behaviour itself. They tell you what to do differently without addressing why you are doing what you are currently doing. So the habit changes briefly, then reverts.
The work we do starts beneath the behaviour — at the level of the beliefs and emotions that are driving behaviours. When you understand why a pattern exists, you can stop fighting it blindly and start changing it deliberately.
That is the difference in a nutshell.