Welcome to Money Coach Group

A Veteran-Owned Business, Fee-Only Fiduciary

Your journey to your financial goals begins today

AFCPE® Accredited Financial Counselor®

Ramsey Solutions Master Financial Coaches

For inexpensive investing or retirement planning go to Emancipare

Client Testimonials (More on Our FAQ Page!)

“We are so lucky to find Bill Hines! He has helped us understand much more about retirement, the how, when and why of it. He has been so patient and kind and generous with his time, knowledge and support. He maintains a healthy balance between being the spreadsheet data/numbers expert (and uses the most current and highly rated software programs out there) and friend, hand holder, confidence builder- a rare combination indeed. He knows his stuff, yet is open and loves to learn- another unique combination! His genuine and heartfelt passion to help and teach folks like me to better manage our finances- present and future- shines through every interaction we ever had with him. I trust his integrity, knowledge and intentions fully and feel very grateful to be working with him.” Lisa K, CA, USA

“Bill is an amazing financial coach and he has been very helpful and helped us make strides towards our financial freedom. He shared a ton of useful information in bite sized pieces. He moves at a pace that you’re comfortable with and is readily available to answer questions. We will be using his services again very soon. Thanks Bill!” Jay V, PA, USA

“I am so grateful that I signed up with Bill to get debt free. He gave me so much information about how to take care of my finances, and I now have a ton of resources I can reference when making future investments in my home, and my retirement. Bill took the time to get to know me, and I feel like I’ve gained a family member through working together. His knowledge truly is worth the money, and it was at a rate that I could actually afford; his rates were significantly lower than other money coaches, and he didn’t make me sign a contract that locked me into having to work with him for a set number of months. Thank you so much, Bill!” Patience B, IL, USA

“Bill, Thanks for all of your encouragement and for your steady hand during that phone call yesterday with Vanguard. I just know enough about investments to be dangerous. LOL but excited about learning more. Thanks for your encouragement and assistance to get this done! God bless, sincerely, Kathy” Kathy M, Lehigh Valley, PA, USA

They removed the truck repossessed from two of my credit reports and the other one is in reviews . I did not have a chance to say thank you, to you. I thank God for my wife to meet you. I do believe in what you are doing. I did have a little doubts but after your presentation I was all in. Thank you sir for your help and support. I’m greatly appreciated it. Luc J, PA, USA

“From the very first communication, Bill showed genuine concern for us and our financial situation. Some of the other coaches we spoke with made it feel more like a business, but Bill felt like a true friend from day 1. He consistently responded in a timely manner to all our emails and requests and provided us with a written plan within just a few days of receiving all of our input. The plan was detailed, well laid out and easy to understand. It was very apparent that he put a lot of personal thought, time and effort into it. We were very impressed!” Nancy B, NJ, USA

“Bill is a great advisor for personal finance matters. Within 3 months of working with him, I managed to kill my debt by $20k. He was proactive, gave me brilliant advice, and followed up to ensure accountability (through weekly check-ins). He also helped me to be regular with budgeting, offered advice even on the apps that might be helpful. He recommended books & useful websites. We created a plan to wipe out debt, build solid emergency fund and work out how to build wealth in future. Very reasonably priced with the quality that is offered by him. I am happy with my decision to engage him & get my financial ducks in a row. Highly recommended for anyone willing to control their financial lives. I have already recommended him to a friend in Singapore. Thank you Bill & keep up the awesome work!” UJM, Singapore


Our Services (Pricing Below)

Our Plans (What is your financial success worth?)

Free Coaching Session

  • 30 Minute Q&A
  • Phone or Video Conference

Personal Finance Journey

199Per Month
  • Up to 6 Months, Cancel/Extend Any Time
  • Includes Monthly Personal Finance Education

Personal Finance Classes

149One-Time Charge
  • Learn Investing, Retirement Planning, Budgeting
  • Private Virtual Live Classes

Blog & News

The most recent posts are below. Click the Go To All Posts button to see all news and Financial Contrarian blog posts, or head to our podcast if you prefer audio.

Go To All Posts

About Us (Manifesto)

Hello, we’re Bill and Lori Hines. Bill is a US military veteran and retired IBM executive. Lori is a former RN who knows the ins and outs of our health care system. We founded Money Coach Group as a way to help others and to give something back. We’re inexpensive for that very reason. Read a little more about  story in our “Hello, World” blog post.

Our model is to disrupt this area of financial advising. People, especially millennials, don’t want to spend a gazillion dollars and a year of monthly meetings with a financial coach to get results. They want fast, effective, and efficient results. That’s what we do. We cut the fat out of the process by providing an inexpensive Personal Finance Plan within days, and set you free to follow it, or provide a la carte follow-up meetings as needed. No lengthy, expensive plans to lock you in.

We’re based in Bethlehem, PA (USA) but help clients around the world via webcam and phone. We don’t ask for account numbers or any sensitive info. We don’t even need to know your real name. We only charge for our time. Our mission is to help you LIVE. YOUR. DREAM.

We’re bombarded every day with stimuli to put ourselves in debt or make bad investment/retirement decisions. We’re lured in by soothing propaganda that tells us it’s okay—everybody does it. Credit cards. Car loans. Student loans. Second mortgages. “It’s the American way,” they tell us. Well, it’s not. It never used to be this way. You’re being told this because other people—the ones who profit greatly from your debt and bad decisions—want you to believe it.

It upsets us, frankly, and we want to help you fight back. We have the tools and experience to show you the way out of the darkness and into the light of waking each day with no debt. It’s the path to happiness and security. It’s the path to freedom from work you don’t enjoy and more time to do the things that make you happy.

You probably have questions, such as how you can afford this if you’re struggling. We’ll tell you exactly how. See the FAQ, and if you still have questions, email us directly at [email protected] or [email protected] or head to our contact page to schedule a virtual appointment with either of us.

Use the buttons on this page to schedule a free coaching session and let’s talk about your situation. If we can help, we’ll get started right away. Every client success is a victory for us both, and we personally treasure each one.  We can work with you face-to-face, on the phone, using email, or via web meetings. Let’s do this—together. LIVE. YOUR. DREAM.


Let’s Talk

Schedule a free, informal coaching session to discuss your goals and how we might help.


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