Build a Stronger Financial Future
Reed Financial Lab combines financial education, personal coaching, goal tracking, and accountability — so you can move from stressed to confident, one clear step at a time.
Your dashboard at a glance
Financial Progress Score
Net Worth
$59.9k
Savings Rate
18%
Monthly Cash Flow
+$1,287
Active Goals
4
- Income
- Spending
Why Reed Financial Lab
Everything you need to feel in control
Reed Financial Lab isn't a single service. Everyone starts with Lab Access — our self-guided platform — and upgraded plans add advanced support like one-on-one coaching and the Decision Center.
Financial Clarity
See every account, balance, and cash-flow trend in one calm, organized place — with goals and milestones built in.
Debt Reduction
Compare snowball and avalanche strategies, track payoff progress, and watch interest shrink.
Accountability
A real coach, real meetings, and an action plan that keeps you moving.
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How it works
From overwhelmed to on track in three steps
No spreadsheets, no guesswork. Start where you are and your coach meets you there.
01
Start your account
Create your Lab Access account in under two minutes. No credit card required to explore.
02
Connect your money
Securely link your bank, credit cards, loans, and retirement accounts to see everything in one place.
03
Get coached & stay on track
Meet with your coach, build an action plan, and track your progress with smart alerts and monthly reports.
Meet Your Coach
Technology organizes your finances.
A real coach helps you act on them.
I'm the founder and financial coach at Reed Financial Lab. My background in finance and retirement planning gave me a front-row seat to how overwhelming money decisions can be — even for people doing everything "right." I hold a BBA in Finance and the Qualified 401(k) Administrator (QKA®) credential, and I've helped hundreds of people understand their benefits, employer-match structures, and long-term savings options.
I founded Reed Financial Lab to make personal finances feel less intimidating and a lot more human. My approach is simple: I help you understand where you stand, weigh your options, and move forward with a plan that fits your life — not just handing you a spreadsheet, but helping you feel confident every step of the way.
- Personalized guidance tailored to your goals
- Real accountability that keeps you on track
- A clear action plan — not just another app
Reed
Founder & Financial Coach
Plans
Choose the level of support that fits you
Self-guided software, ongoing monthly coaching, or an intensive six-session Foundation program.
Individual
Individual Lab Access
Self-guided financial tools for clients who want to organize and monitor their finances independently. Includes the RFL dashboard, budgeting, debt, savings, goals, retirement tools, connected financial information, and progress tracking. Individual coaching is not included.
Decision Center: unlimited basic scenarios. Advanced unlocks $19 each or $59/year pass.
Best for
People comfortable managing their own plan who primarily need organization, visibility, and tracking.
- RFL dashboard with budgeting, debt, and savings tools
- Goal tracking and net worth
- Retirement planning tools
- Connected financial information via Plaid
- Progress tracking
Individual Guided
Ongoing financial coaching combined with the RFL dashboard. Includes an initial financial review, personalized priorities, monthly coaching, progress monitoring, accountability, and adjustments as the client's situation changes.
Decision Center: all advanced scenarios included at no extra charge.
Best for
People who understand some of what they need to do but want personalized guidance, accountability, and ongoing support.
- Everything in Individual Lab Access
- Initial financial review
- Personalized priorities
- Monthly coaching sessions
- Progress monitoring and accountability
- Adjustments as your situation changes
Individual Financial Foundation
A structured three-month coaching program with six sessions. Includes a comprehensive review of cash flow, spending, debt, emergency savings, goals, and retirement readiness, followed by a prioritized financial action plan and coaching through implementation.
Decision Center: all advanced scenarios plus one coach review included.
Best for
People who need a complete financial reset, have several connected concerns, or want concentrated support to build a strong foundation.
- Everything in Individual Guided
- Six coaching sessions over three months
- Comprehensive review of cash flow, spending, and debt
- Emergency savings and goal assessment
- Retirement readiness review
- Prioritized financial action plan
- Coaching through implementation
Household
Household Lab Access
Self-guided financial tools for two adults managing a household together. Includes a shared household dashboard with separate adult profiles, budgeting, debt, savings, goals, retirement tools, authorized financial information, and household progress tracking. Individual coaching is not included.
Decision Center: unlimited basic scenarios. Advanced unlocks $19 each or $59/year pass.
Best for
Households comfortable managing their own finances that want one organized view of their shared financial picture.
- Shared household dashboard with separate adult profiles
- Budgeting, debt, savings, and goals
- Retirement planning tools
- Authorized shared financial information
- Household progress tracking
Household Guided
Ongoing household financial coaching combined with the shared RFL dashboard. Includes an initial household review, shared priorities, monthly coaching, accountability, progress monitoring, and assistance coordinating financial decisions between both adults.
Decision Center: all advanced scenarios included at no extra charge.
Best for
Households that want continuing guidance and accountability while working toward shared financial goals.
- Everything in Household Lab Access
- Initial household financial review
- Shared priorities and planning
- Monthly household coaching sessions
- Accountability and progress monitoring
- Coordinated financial decisions between both adults
Household Financial Foundation
A structured three-month household coaching program with six sessions. Includes a comprehensive review of household cash flow, spending, debt, emergency savings, goals, and retirement readiness, followed by a coordinated action plan for both adults.
Decision Center: all advanced scenarios plus one coach review included.
Best for
Households with several connected financial priorities that need an organized reset and concentrated coaching support.
- Everything in Household Guided
- Six coaching sessions over three months
- Comprehensive household cash flow and spending review
- Debt, emergency savings, and goal assessment
- Retirement readiness review for both adults
- Coordinated household action plan
- Coaching through implementation
Every plan includes the Decision Center with unlimited basic scenarios. Guided and Foundation plans add Advanced analysis and a coach review — see Services for the full comparison. And every plan comes with Money Basics — an in-app AI assistant that answers everyday money questions in plain language, from IRA limits to building an emergency fund.
Frequently asked questions
Is Reed Financial Lab a bank or investment advisor?+
No. We provide financial coaching and education. We do not offer individualized investment, tax, or legal advice.
How does bank connection work?+
We use Plaid for secure bank connections. Your bank credentials are entered directly with Plaid and never shared with Reed Financial Lab.
Can I cancel anytime?+
Lab Access plans are month-to-month and cancel anytime. Guided plans have a 3-month minimum commitment. Foundation is a fixed 3-month program.
Do you work with couples and families?+
Yes. Our coaching plans support individuals, couples, and household budgeting.
Reed Financial Lab provides financial coaching and education only — not tax preparation, investment recommendations, or legal advice. Always consult a qualified professional. See our full disclaimer.