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Confidential, ongoing support for officers and spouses.
Money stress shows up in the job more than most people realize. It affects focus, sleep, decision-making, and relationships — and it doesn’t disappear just because the uniform goes on. The retainer program gives officers a steady, judgment-free place to deal with the financial side of life before it becomes a crisis.
This isn’t theory. It’s real-world, practical coaching built for the culture of this profession.
Who This Program Is For
Who This Program Is For
Departments that want consistent, confidential support for their personnel
Officers and spouses who want ongoing accountability
Agencies looking to strengthen wellness programming with something practical and stigma-free
Leaders who understand that financial wellness is officer wellness
What’s Included
What’s Included
This is an annual, department-based program. Officers and spouses receive:
Confidential 1:1 financial coaching
Support with budgeting, debt strategy, planning, and major life decisions
Tools from the First Responder Financial Locker
A private, judgment-free space to steady the financial side of life
Guidance that stays in-bounds — no legal, tax, investment, or pension advice
The program is designed to meet officers where they are. No shaming. No pressure. Just practical steps that build margin and reduce stress.
Program Pricing
Program Pricing
Most agencies fall in the $6–$8 per officer, per month range.
Simple, predictable, and easy to budget for.
Pricing scales based on department size and roster needs, but the goal is the same everywhere:
make ongoing financial support accessible without creating another line-item headache.
There’s no upsell and no hidden fees.
Just steady, confidential coaching your people can rely on all year long.
Agency Coaching Program.pdfFinancial stress shows up in the job. This program gives your people steady, judgment -free support all year long.
Confidentiality (this is a must)
Confidentiality (this is a must)
Every conversation stays between the officer/spouse and the coach.
Departments receive participation summaries without any personal financial details.
Confidentiality is what makes officers actually use the program.
How It Helps the Department
How It Helps the Department
Most officers don’t have margin — they’re one surprise away from financial dodgeball.
Your own agency’s data often looks just like the chart in this graphic: a large percentage of people running without an emergency fund, carrying quiet stress that follows them onto the job.
The program gives your department:
A confidential outlet for officers and spouses to deal with money issues early
Fewer distractions and better decision-making on duty
Support that reinforces your wellness mission without adding workload to supervisors
A steady resource for life events, unexpected expenses, and long-term planning
A practical, judgment-free place to rebuild margin and stability
Financial readiness is part of operational readiness.
When your people have margin, they show up better — at home and at work.
Tim Cooney is a Deputy Chief-level law enforcement leader and a Ramsey Solutions Master Financial Coach. He teaches nationally and is known for a direct, practical, cop-to-cop approach to financial wellness. His work focuses on helping officers reduce money stress so they can focus on the job and their families.
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