Master Financial Coach · Massachusetts & Beyond

It's not about having lots of money. It's knowing how to manage it.

Fully certified Master Coach Jose Barreto helps you replace stress with strategy, and uncertainty with action.

Book Now · 781-405-8161 Plans & Pricing
A green sprout growing from a pile of coins
Hands cradling a young plant

“Courage is resistance to fear, mastery of fear, not absence of fear.” — Mark Twain

Experienced. Certified. Supportive.

About Jose Barreto

Founder, J.B. Financial Legacy Coaching. I’m a proud second-generation Hispanic Financial Coach with a mission: to remove the stress and stigma often tied to personal finances. I know how heavy that weight can feel—because I’ve seen it up close, in my own life and in the lives of those I love.

After two decades in corporate management, I realized my true calling was already unfolding quietly in the background—helping friends and family gain clarity, confidence, and peace of mind around their money.

With formal training from the University of Hartford Business Program and the Financial Master Coach Academy, I founded J.B. Financial Legacy Coaching to help others rewrite their financial story—no matter where they’re starting from.

My philosophy is simple: your income isn’t the problem. It’s what you choose to do with it that creates transformation. Financial freedom isn’t about earning more—it’s about being intentional with what you already have.

Let’s take the pressure off your paycheck—and replace it with purpose. Together, we’ll build a future you’re proud to call your legacy.

Testimonials

What Clients Are Saying

I was embarrassed by my debt. But Jose's financial coaching gave me a way out. I can't thank him enough for helping me get through the budget planning and monthly check-in meetings.

Luis Mendoza

J.B Financial Legacy Coach treats you like family. They do everything to help, the program showed me a better way to live financially healthy. It released the stress and worries I had. Thank you Jose for always being there with hope and motivation.

Angie Vasquez

Being in debt is scary, for a time I needed to use my credit cards for necessities. Years later I was still trying to pay them off. The program that Jose set up for me help me get that weight off my shoulders. J.B Financial Legacy Coaching was the best decision I ever made.

Jerald Martinez
Replace stress with strategy, and uncertainty with action.
Fully certified Master Coach
Financial Coaching Session

Services

01

Get the Most out of Life

Do you feel like you are always adding new tasks to your to-do list but never crossing anything out? My specialization will help guide and inspire you to achieve more of your personal and professional goals.

02

Guidance & Inspiration

Life throws many surprises at us, and while we cannot predict the outcome of any situation, we can take control of how we respond. In my Budget Planning coaching sessions you’ll learn about acceptance and how to exert your power of choice over whatever life may throw at you.

03

Embrace Life’s Challenges

Budget Planning with Guidance is a favorite among many of my clients. My job is to give you the tools and techniques to achieve a balanced and fulfilling lifestyle. After several sessions, you will become well-versed in handling issues whenever and wherever they arise.

Schedule a Session
Change Your Life

Specialized Sessions

Based on your needs and experience, you can choose from my selection of coaching packages. Please get in touch for more information and to register today.

Financial Goal Setting

Goal setting is one of the most popular and successful coaching packages I provide. Your personal goal sessions are based on the knowledge, experience, and strategies I have developed as a Financial Coach.

Dumping the Debt

Debt planning with J.B Financial Legacy Coaching is unlike any other coaching program. I make my Debt Goal Setting package as flexible as possible, because every person’s circumstances and needs are unique.

Personal Coaching

I give my clients the valuable guidance and support they need. Personal Coaching is a great option for everyone, whether you’re working with a Financial Coach for the first time or are a seasoned veteran.

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Plans & Pricing

Choose Your Coaching Plan

Silver

Perfect to start with your budget planning.

$799
Valid for 3 months
  • 1 hour coaching session
  • Develop a budget strategy
  • Create budget for implementation
  • Follow-up sessions to help guide and monitor progress
Call to Start
Best Value

Gold

The best plan for your budget planning & implementation.

$999
Valid for 5 months
  • 1 hour coaching session
  • Budget consult and development
  • Budget creation
  • Follow-up sessions for guidance and implementation
Call to Start

Platinum

Maximize your budget planning & implementation.

$1,299
Valid for 7 months
  • 1 hour budget consultations
  • Budget development
  • Budget creation
  • Follow-up sessions with budget guidance and implementation
Call to Start
FAQ

Frequently Asked Questions

I understand it is a leap of faith to spend additional resources when you already feel like you're drowning, but think of it as buying a much-needed life preserver. It's an investment in yourself that will pay back dividends for many years to come. Getting your finances under control for good will greatly reduce stress from your life in the short term, and can completely change your future in the long term. Where will you be financially in 5 years without a coach? In fact, it's common that after reviewing your numbers I will find more money in your budget than the price of my session!

You feel like everything is OK because payments are being made on time. But maybe you feel like you're not where you want to be financially. Not sure if you are saving enough to retire… someday. Wish you could go back to school, switch careers, or have one parent stay home—but need that paycheck. Sick of that student loan and revolving credit card balance. Turn your income into a well-oiled machine aimed directly at your priorities.

Every new client starts with an informational session because it is difficult to deliver really substantial results without seeing the whole picture. This session includes significant prep work upfront, a 1–2 hour call, and materials I prepare specifically for you that are yours to keep. During the call, we review everything in detail, leaving plenty of time for questions. From there, you can choose to implement the strategies on your own or consider a follow-up coaching package for additional accountability and progress. I offer a free consultation to discuss your situation and answer any other questions before you commit to this session!

No! We all make choices with our money, and I don't judge. That said, you might say you’ve always wanted to go to Europe but could never find the money, so to make that happen you choose to cancel cable the next day. Or, you really love watching movies and you decide to take the money you mindlessly spend at Starbucks and instead upgrade to the fattest cable package with every channel known to mankind. Money management is not about deprivation—quite the opposite! A financial coach helps you define these priorities and make the most of your hard-earned income. There are so many options besides the obvious!
Schedule a Session

Let’s build your legacy

Serving Massachusetts and beyond. Call to book a session or ask about a free consultation. Call for current availability.

781-405-8161
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