Stop Guessing Why Your Clients Struggle With Money

Finally See the Hidden Psychological Forces Driving Their Financial Decisions

Research in financial psychology shows something surprising:

Two people can earn the same income, have access to the same financial advice, and yet end up with completely different financial outcomes.

Why?

Because financial behavior is rarely about numbers.

It’s about beliefs, emotions, and psychological patterns around money.

Until you understand those forces, even the best financial advice can fail.

And that’s exactly why the Financial Psychology Assessments Annual Subscription was created.

This research-based assessment system gives you a data-driven window into what is actually driving your clients’ financial decisions—so you can move beyond guesswork and start creating real behavioral change.

The Hidden Factor That Determines Financial Success

For decades, traditional financial advice has focused on:

• Income
• Investments
• Budgeting
• Net worth
• Financial plans

But research consistently shows that psychology drives behavior, and behavior drives financial outcomes.

In fact, studies in financial psychology have identified core belief systems about money—called Money Scripts®—that shape how people earn, spend, save, and invest.

These beliefs often operate completely outside of awareness.

That means clients may genuinely want to change their financial situation… yet still unknowingly sabotage their own progress.

Without identifying these patterns, advisors and professionals are left trying to solve behavioral problems with mathematical solutions.

And that rarely works.

A Research-Backed Way to Understand Your Clients Like Never Before

The Financial Psychology Assessments Annual Subscription gives you unlimited access to three powerful research-based tools designed to uncover the psychological drivers of financial behavior.

These assessments allow you to move beyond surface-level financial conversations and gain deep insight into how your clients think, feel, and behave with money.

Instead of guessing what’s causing financial stress or resistance, you can identify it with precision.

And once those patterns are visible, meaningful change becomes possible.

What the Assessments Reveal

Using these tools with your clients allows you to:

Uncover Hidden Money Beliefs

Identify the unconscious Money Scripts® that shape financial decision making, spending habits, risk tolerance, and income potential.

Identify Behavioral Strengths and Risk Factors

Discover patterns that may support long-term success—or create financial self-sabotage.

Personalize Your Financial Guidance

Tailor your recommendations based on each client’s psychological tendencies, not just their financial numbers.

Deepen Client Engagement and Trust

Clients feel deeply understood when their emotional relationship with money is acknowledged.

Differentiate Your Practice

Stand apart from other professionals by integrating research-backed financial psychology tools into your client process.

Three Powerful Assessments Included

Your annual subscription includes unlimited access to administer all three assessments throughout the year

• Klontz Money Script Inventory-Revised (KMSI-R)
• Klontz Money Behavior Inventory (KMBI)
• Financial Health Scale (FHS)

Each one provides a different lens into financial behavior.

Together, they create a comprehensive picture of the psychological drivers behind financial decisions.

These tools help reveal:

• Money beliefs formed in childhood
• Emotional responses to wealth and scarcity
• Financial risk tolerance patterns
• Behavioral tendencies related to spending and saving
• Psychological barriers to earning more
• Sources of financial anxiety or avoidance

Instead of surface-level conversations about money, you’ll be able to explore what’s actually happening beneath the numbers.

Why Professionals Are Integrating Financial Psychology

More and more advisors, therapists, planners, and coaches are recognizing a simple truth:

Financial success is rarely limited by strategy.

It is limited by behavior.

And behavior is driven by psychology.

When you understand the psychological forces behind your client’s financial decisions, you can:

• Break through resistance
• Address financial avoidance
• Help clients change long-standing patterns
• Strengthen your role as a trusted advisor
• Deliver deeper, more transformational results

This is the difference between giving financial advice…

and helping clients truly change their relationship with money.

Use These Tools With Any Type of Client

These assessments are valuable across a wide range of client populations.

You can use them with:

• High-net-worth individuals navigating complex wealth decisions
• Middle-income families working toward financial security
• Clients experiencing financial stress or avoidance
• Entrepreneurs managing income volatility
• Individuals working to overcome financial self-sabotage

No matter the income level, money psychology plays a central role in financial behavior.

These assessments help bring those hidden patterns into the open.

What You Get With Your Annual Subscription

Your subscription provides unlimited access to administer all three financial psychology assessments throughout the year.

This allows you to seamlessly integrate them into:

• Client onboarding
• Financial planning processes
• Coaching sessions
• Client reviews
• Behavioral discussions around financial goals

Instead of using them once or occasionally, you can make them a core part of your client experience.

The result is a more insightful, engaging, and impactful advisory process.

Transform the Way You Understand Your Clients

Financial advice becomes dramatically more effective when you understand why people behave the way they do with money.

The Financial Psychology Assessments allow you to uncover those hidden drivers and guide clients toward meaningful behavioral change.

When you combine financial strategy with financial psychology, you create the conditions for lasting financial transformation.

Get Unlimited Access Today

Start integrating financial psychology into your client work with the Financial Psychology Assessments (Annual Print) Subscription.

Gain unlimited access to all three assessments and begin uncovering the beliefs, behaviors, and emotional patterns shaping your clients’ financial lives.

Click the link to get started and bring a powerful new level of insight to your practice.

If you would prefer to provide these assessments electronically to your clients, please contact Brenda Anderson at brenda@financialpsychologyinstitute.com.  We have a solution for white labeling these assessments so you can send your clients a personalized link and/or have an embed code to provide within your client software.