First-time homebuyers
Saving for a down payment while paying student loans takes a clear order of operations. We help you test the numbers before you make an offer.
View homebuyer planningFinancial counseling in Providence, Rhode Island
Clear financial guidance for every Providence family.
Juggling bills, credit card debt, or retirement uncertainty can make each decision feel heavier. The Veritas Guidance LLC gives Rhode Island households a practical plan, steady support, and room to ask direct questions.
A plan that fits real life
We account for family responsibilities, changing income, housing costs, and the goals that matter to you.
10+
Years serving Rhode Island
500+
Families guided
100%
Advice without product sales
Local accountability
Trusted by Providence families and community partners
Good counseling begins with clear standards. The Veritas Guidance LLC brings an education-first approach to every household, including clients rebuilding after a difficult financial season.
Rhode Island Financial Counseling Association
Providence Chamber of Commerce
United Way of Rhode Island partner
Practical support
Complete financial counseling services for Rhode Island households
Start with the pressure point that brought you here. We can connect the pieces afterward.
Budgeting and cash flow
See where money is going, plan around irregular bills, and build a monthly system you can keep using.
See budgeting supportDebt management and credit
Compare repayment choices, reduce costly interest, and make a measured plan for credit recovery.
Review debt optionsRetirement planning
Set a savings target, examine timing choices, and turn a distant retirement date into clear milestones.
Plan for retirementInvestment guidance
Understand risk, fees, account choices, and the questions to ask before investing more money.
Explore investment guidanceHomebuyer planning
Balance a down payment, closing costs, student loans, and a monthly payment that leaves breathing room.
Prepare to buyVariable income planning
Create a spending baseline, set aside tax money, and make freelance income easier to manage.
Plan around variable incomeAll advice is education-first. There are no product sales.
Support for your circumstances
Specialized support for your life stage and background
Your circumstances affect the right next step. The conversation stays practical and judgment-free.
Self-employed and gig workers
Irregular freelance income and tax estimates can turn a good month into a stressful quarter. Build reserves and a repeatable pay-yourself system.
View variable income planningLife transitions
Divorce, widowhood, or a job change can alter every account at once. We help you decide what needs attention first.
Discuss a life transitionFamilies rebuilding stability
There is a useful first step even when savings are low or credit is damaged. We focus on priorities you can act on this month.
See comprehensive counselingA two-minute reflection
Quick Budget Stress Check
Answer three general questions to identify a useful next conversation. No personal information is collected.
This check offers general educational guidance. It is not a substitute for a personal consultation.
Measured progress
Real Providence families, real progress
Names and identifying details are changed to protect client privacy.
Credit card debt
A steadier month for a single parent
Problem: Four card balances and uneven school expenses made payments hard to track.
Solution: A priority-based budget paired with a structured repayment schedule.
Outcome: Credit card debt fell 40% over 18 months, with fewer missed due dates.
Retirement planning
A clearer decision for a couple nearing retirement
Problem: The couple had savings but no shared view of timing, fees, or monthly income.
Solution: A retirement income review and Social Security timing discussion.
Outcome: They identified $6,800 in annual expenses to review and closed part of their savings gap.
Variable income
A repeatable system for a freelance designer
Problem: Strong project months were followed by tax stress and uncertain personal pay.
Solution: Separate reserves, a monthly baseline, and a quarterly planning rhythm.
Outcome: The designer built a three-month reserve and began regular retirement contributions.
A calm process
Your path to financial clarity in four steps
Schedule a consultation
Choose a confidential conversation at a time that works for you.
Share the full picture
We review income, expenses, debts, accounts, and the goals behind them.
Build your action plan
You leave with practical priorities, useful numbers, and decisions in plain language.
Adjust as life changes
Follow-up support keeps the plan useful when income, family, or goals shift.
Local perspective
A local team that understands Providence
Lead counselor Nomi Deilami brings Accredited Financial Counselor training and an education-first approach to conversations about debt, savings, and retirement. The work is practical, respectful, and designed for households with different cultures, family structures, and income patterns.
Nomi also volunteers at financial literacy workshops with Providence schools and nonprofit partners. Sessions are available in English and Spanish.
Meet the TeamClient perspective
What Providence clients are saying
"
I stopped avoiding my statements. The monthly plan finally makes sense.
Lolieta D.
Elmwood, budgeting client
The retirement conversation was detailed without feeling overwhelming. We looked at our accounts, timing choices, and the monthly income we actually need. We changed two habits before making any major decision. That gave us confidence.
Yambay Muthalagu
Retired public employee
Why did we choose The Veritas Guidance LLC?
Because the counselor listened before suggesting a change. We left with three tasks, a date to review them, and less tension around money.
Amyj S.
Federal Hill, debt management client
Straight answers
Frequently asked questions about our counseling
Financial counseling often begins with cash flow, debt, habits, and financial education. The focus is helping you understand choices and act on a plan. Investment advice may be part of the conversation when appropriate, with clear boundaries and no product sales.
Consultation pricing and session length depend on the service you need. Contact the office for current details, what to bring, and the best starting appointment for your situation.
No. The Veritas Guidance LLC provides education-first counseling without product sales pressure or commission-driven recommendations.
Yes. We begin with the facts in front of you, then set a priority that fits your current income and obligations. A first plan can focus on one overdue account, one spending change, or one small reserve.
Both options are available. The office is located at 54 Winsor Street, Providence, RI 02908, and virtual appointments can be arranged during scheduling.
Build your knowledge
Financial literacy tools and guides
Budgeting Basics Worksheet
A simple way to organise monthly income, fixed bills, flexible spending, and upcoming costs.
Guide · PDF format
Access GuideDebt Payoff Planner
Compare repayment priorities and record the dates that keep your plan moving.
Guide · PDF format
Access GuideRetirement Readiness Checklist
Review savings, expected income, health costs, and the questions to raise before retiring.
Guide · PDF format
Access GuideThese materials are educational and do not replace personalised financial advice.
Start your journey to financial peace of mind
Practical, judgment-free financial counseling for every Providence household. Bring the questions you have. We will identify the next useful step.
54 Winsor Street, Providence, RI 02908 · Appointments available in person or virtual.