The Financial Wellness Center

Make cents of your spending

12 Steps to Financial Success


I recently went though a separation and divorce, and Terry was a great support during the entire process. I have never been financially savvy, so this was a challenging and emotionally difficult time. Terri was compassionate, non-judgemental, and committed to supporting and empowering me every step of the way. I am blessed to have had her along on this journey.
- Leslie Sands, Social Worker, Holistic Health Counselor

For over 25 years, I have turned to Terri Sabelli for her expertise to assist my clients to reach sound and creative solutions to their tax and accounting issues. Knowing that Terri sees more than numbers, she sees the people behind the numbers to whom she responds with compassion, as well as state of the art expertise. Some people focus narrowly on the immediate issue at hand and make decisions without thought or regard to the broader implications. Terri zooms from the narrow to the global view before rendering a strategy or solution to the problem which results in meaningful solutions that work in the short and long term.    
- Janice C. Nigro, Esq. Nigro, Pettepit & Lucas, LLP

The 12 Steps to Financial Balance

path of rocks with leafThe first few steps in your financial wellness plan lay in the foundation and each step builds from there. These hierarchies of tasks are designed as stepping stones along the path. Each one not only builds on the next but is important to the success of the program.

Do not be a victim of financial chaos or unawareness. Empower yourself to a life you are entitled to, a life where your financial objectives are met. It's not too late and never too early!

The key to the success of this journey is to become aware of your finances, collect the data, set goals, implement procedures to attain those goals and periodically review your progress.

  1. Building the Master Plan
  2. Budget
  3. Savings
  4. Investing
  5. Maximize Retirement
  6. Short-term Planning
  7. Long-term Planning
  8. Controlling Unsecured Debt
  9. Controlling Long-term Debt
  10. Basic Estate Planning
  11. Reviewing Insurances
  12. Planning for the Unexpected and Major Life Events

The Financial Wellness Center
95 Lynn Street, Peabody, MA  01960
(978) 531-2500 | FAX (978) 977-0268