Manage with clarity.

Keep with confidence.

Multiply with purpose.

Because I know this is the right next step.

Financial coaching in Clarks Summit, PA

Helping busy professionals take back control of their well earned money through proven strategies.

Do these sound familiar?

“I make good money, but my accounts are in bad shape.” ……. “I feel like my life is in chaos because of my finances.” ……. “I’m ashamed and guilty of how I handle my money.” ……. “I’m tired of living paycheck to paycheck, anxious about an unforeseen emergency.” ……. “I know I should be saving for retirement, but just don’t know how to do so.” ……. “My time and energy is stolen because I worry about money.” …….“I make good money, but my accounts are in bad shape.” ……. “I feel like my life is in chaos because of my finances.” ……. “I’m ashamed and guilty of how I handle my money.” ……. “I’m tired of living paycheck to paycheck, anxious about an unforeseen emergency.” ……. “I know I should be saving for retirement, but just don’t know how to do so.” ……. “My time and energy is stolen because I worry about money.” …….

Financial stress is common, but doesn't have to be your normal.

Financial stress is something most people experience, whether due to debt, unexpected expenses, or concerns about the future. It’s a common struggle, but it doesn’t have to be the status quo. We can help you develop a clear focus on where you are so you can get to where you want to be – and stress less.

Financial Coaching That Works

We’re not just about numbers – we’re about transforming lives. With our expert financial coaching based in Clarks Summit PA, you’ll be guided through developing new mindsets and habits to stop the struggle with your personal finances.

You’ll be able to manage with clarity, keep with confidence, and multiply your money with purpose. From debt elimination and emergency savings to budgeting and wealth preservation we partner with you to create a custom plan you can achieve.

"Kelly, we just paid off the Subaru and now we are completely debt-free. We can’t tell you how excited we are. Thank you for all your encouragement and accountability. "

Jim & Michelle

"I have been meaning to write you forever to thank you and update you on our progress. Thanks to your help, we were able to get an arm around our finances and have options during this uncertain time. So here we are at 60 ready to rock and roll. Thank you for getting us working together, making solid budgets, and finding joy in what we have worked hard for. And this also changed the family tree. The kids work hard for their tuition and expenses and are so far out of debt. They make their own budgets and are proud of it."

Leanne M.

"After working with Kelly I now feel more comfortable with where my money is going. I am more relaxed, have less stress and I feel like I have control over my money. Thank You!"

Adanzy H.

"Before coaching I had a lot of guilt, shame and embarrassment around my money. But after coaching with Kelly for 6 months, I’m more confident, more thoughtful about where my money is going. I’m making better decisions, and I was able to save $20k. It wasn’t as hard as I thought it would be to get it under control. These small steps make a big difference."

Christy C.

"When we first met with Kelly our biggest fear was not having enough to purchase a home when we retire. But learning to be “Intentional” with our money showed us we are well on our way to purchasing a home in retirement. Kelly, you are very open and openly want your clients to succeed."

Mike & Sarah L.

"Kelly is awesome. The coaching I receive helps me stay focused. Great to work with."

Cecilio C.

"I had so much fear, nervousness, feelings of being overwhelmed and a sense of “I can’t do this” to “ I feel accomplished, confident and secure.” Is a huge win for me. I’m in a more enjoyable place and I never thought I would feel about my finances this way."

Jamie H.

"I worked so hard to get out of debt. But I didn’t know what was beyond that. Coaching has helped me to remain aware of what I am doing with my money and to set some realistic goals."

Celilio C

"Before working with Kelly, my finances were chaotic. This made my entire life feel chaotic. I had been trying to budget for about three years...just struggling every month. But meeting with Kelly has been life changing! Not an exaggeration. Kelly helped me figure my money out step by step and in manageable chunks. Now I miss budgeting if I don't do it. If you know me, you know what a change that is. I needed it to be simple...so, I just kept scheduling my meetings with Kelly and didn't let myself chicken out or shy away from the challenges. If you are struggling, Kelly is the one to help! She can motivate you without judging and keep you moving forward inspire of yourself. Do yourself a favor and get on her schedule1 It'll be the best thing you've done for yourself in a long time!"

Amy W.

"Kelly coaches and guides with proven financial principles and your preferences in mind. She cares about you as a whole and is willing to ask the most important questions. Her process becomes true budget integration rather than just an addition. Her coaching has a lasting positive impact. Thank you, Kelly!"

Ashley R.

Get Started Tomorrow Today

Book A Strategy Call

100% free, no-obligation call. You get to know us and share your specific needs so we can create a plan.

Create A Custom Plan

Once we outline your areas of biggest need, we’ll work together to create a plan unique to you to help you reach your goals.

Work The Plan Together

True change comes when concepts become habits. I’m here to guide and help you along the way so you reach your goals.

I’m ready for real, lasting change.

Managing your finances with clarity helps you know the path forward.

A realistic and clear vision about where your finances are is the first and most important step. You’ll never be able to chart a course toward financial freedom without knowing where you are first. With our financial coaching, we can help you gain this clarity – without shame or judgement. Seeking help is the first step towards becoming a debt crushing, money saving, financial security hero.

I’m ready to manage money with a clear head and plan.

Building confidence with financial coaching means you keep more of your money.

With an understanding of where you are and where you want to be, now its’ time to learn how. With various tools, strategies, and a tailored coaching plan, you will build the confidence you need to use a zero based budget, eliminate debt, or build up emergency savings.

I’m ready for confidence to keep my hard-earned money.

Multiplying your money with purpose gives you stability now and later.

It’s time to take back control and stop living paycheck to paycheck. We believe you have the power to multiply your money with purpose. Don’t continue to let your money run wild while your financial future hangs in the balance. Show your money who’s the real boss – your future self will thank you.

Because I want purpose and stability to define my future.

Book Your Free Call Today

Ready to manage with clarity, keep with confidence, and multiply your money with purpose? Book a 100% free, no obligation strategy call today. No hassles, just hello. I can’t wait to meet you!

Because my future self will thank me for doing this.

About Me

Hi, I’m Kelly Flowers, founder of Eleven 14 Financials. After years as a nurse, I saw how financial stress impacts every part of life—and I felt called to help professionals build confidence with their money. Today, I coach clients to create simple, personalized strategies that reduce stress, eliminate debt, and grow wealth for the future.

My approach goes beyond numbers—it’s about shifting habits, clarifying goals, and making money work for you instead of against you. If you’re ready to stop feeling stuck and start building a life fueled by financial freedom, I’d love to guide you on that journey.

Contact me today to start your journey to manage, keep, and multiply your money!

Kelly Flowers financial coach in Clarks Summit, PA