Helping you dive into an intentional approach to your finances.

Money Coaching

We work one on one with individuals and couples to reduce stress and anxiety surrounding your money worries.

You will set realistic goals to pay off debt, plan for large purchases, and invest in your future.

We’ll guide you as you develop sustainable systems that empower you to tackle your financial goals.

Most importantly, we’ll support you as you design and build your most fulfilling life, without being held back by money.

Small Business Consulting

Turning a passion project into a profitable small business can feel daunting and it may feel like you don’t know where to start, but we’re here to help.

Whether you are opening an Etsy store, expanding your dog walking side hustle, or beginning to sell your unique product or service we can help you build your skill set and systems to manage your small business finances and taxes seamlessly.

Tax Preparation & Planning

Our in-house CPA offers tax preparation services for individuals and small businesses.

What sets us apart – every individual tax client receives a summary of personalized recommendations for steps to take today to reduce tax burden moving forward.

Thinking of selling a property? Considering an investment draw down strategy as you ease into retirement? Tax planning occurs throughout the year, well before the tax deadline. Let’s put a plan together.

Reduce the stress and anxiety surrounding your finances through a mindful approach.

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“Luke and Amanda provide financial assistance with an approach that is unassuming and non-judgmental. Their insight and ability to help you come to your own conclusions and decisions about your financial goals and possibilities is remarkable. They are kind people and knowledgeable advisors and provide assistance that minimizes stress and is manageable. They truly align themselves with your specific needs before helping you creating a plan that is sustainable. They are financial lifesavers!

Rating: 5 out of 5.

“We were contributing to a Roth IRA, investing in upgrading our home, and occasionally adding to our savings, but in reality, we didn’t really know where we were spending our money. When we decided to work with Amanda and Luke we were ready to begin the painful process of digging in and making huge changes. We were motivated but would be lying if we said we weren’t waiting for it to hit like a brick to the face.

Enter the Mindful Cents approach; they don’t judge, won’t rehash your mistakes, or dwell on what went wrong in your past. Great coaches focus on the future. They help you create a specific action plan in a realistic-to-your-goals way where you won’t feel deprived, challenge you where you need it, and guide you through how to be logistically successful throughout the process.

You won’t leave your session with all your issues magically solved. But you will leave equipped to solve them yourself.

We’ve officially completed 3 months of coaching with Mindful Cents and the outcome is really in the name. We have made a significant impact on the amount we have in savings and think more openly and honestly about where we are spending our money in the categories of our life. We know exactly how much we have to spend and where and know that we are achieving those predetermined goals with that budget!

The thoughtful environment that Amanda and Luke have created for this process really highlights how much they are rooting for your success and they are the most enthusiastic in cheering you on and making you feel like you can do the hard things.

If you are looking to take more control over your life through your finances, we cannot recommend this duo strongly enough. We are so grateful for their coaching.

Rating: 5 out of 5.


“I’ve always been able to hustle and make money and make ends meet somehow and I would save a little money here and there but you have shown me a different way of thinking all together. I had so many moments of realization throughout the process I can’t even describe it.

Rating: 5 out of 5.

“The team at Mindful Cents is amazing! Luke is very responsive and knowledgeable. He is the only CPA I’ve ever known to give you tips on how to improve your finances and increase your return for next year. His associate, Amanda, is energetic and creative. She is a great problem solver too! Their financial coaching makes you feel empowered to make small money moves that yield big results. AMAZING!”

Rating: 5 out of 5.

“Mindful Cents were quick and helpful with all of our questions. It was our first year with a rental property and they made sure we did everything correctly. Great people and fantastic at what they do!”

Rating: 5 out of 5.

Let’s fund a life you love.

Our Most Recent Writing:

Voyage Tampa Interview with Amanda Atherton

Recently, Amanda had the opportunity to be interviewed by local magazine, Voyage Tampa, on her role as a financial coach. She shares what lead her to pursue financial coaching, the approach she takes to inspire her clients to embrace change, and what sets Mindful Cents apart when working to help educate and engage young professionals…

About Us

We are a husband and wife duo with a passion for personal finance education and empowerment through a mindful and intentional approach.

Our Services

  • Advice only financial consulting to provide personalized education and coaching
  • Tax Preparation & Planning
  • Small Business Systems Development and DIY Tax Education/Training

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