Coaching for money, ideas and
real-life confidence

Flaem coaching supports young people aged 7-19, depending on the coaching format. One-to-one coaching is available for ages 13-19. Family coaching supports young people aged 7-19 alongside a parent or carer. Group coaching is available for ages 10-19 in small cohorts of two to four young people. You do not need to be confident with money, have a finished idea or arrive with a perfectly formed goal. A young person might want to understand a habit, work through a decision, manage income, explore an idea or simply have space to think. Coaching starts from where they are.

Flaem coaching is a supportive, educational space where young people can explore money, habits, choices, goals and ideas in relation to their own life. It brings together two connected areas: building confidence with everyday money and developing the skills to turn ideas into action. A young person might use coaching to understand a spending pattern, prepare for greater financial independence, manage early income, shape a creative project or work through a decision. The aim is not to give them a ready-made answer. It is to help them understand themselves and their options more clearly, make informed choices and develop practical ways to move forward. Flaem coaching does not provide financial advice or recommend financial products.

At the beginning of a session, the young person or family agrees what would be most useful to focus on and what they would like to leave the conversation with. The session may then include open questions, reflection, comparing options, looking at a situation from another perspective or using a practical tool. Where useful, the coach may explain a concept or introduce information and resources, with permission. Towards the end, the young person identifies their main insights and decides whether there is a small next step they would like to try. Flaem uses the SPARK Framework as a flexible guide, but sessions are shaped around the person rather than a fixed worksheet or lesson plan.

There is no fixed list. Young people can bring questions, habits, decisions, goals or ideas that matter in their own life. This could include spending or saving patterns, managing pocket money or income, planning for a goal, becoming more independent, making a difficult choice, building a useful routine or feeling unsure about money. Coaching can also support a young person who is earning through work, freelancing, sport, performance, content creation or a small project. They may want to explore a creative idea, understand what it will need or choose a realistic first step. The free chat can help them work out where they would like to begin.

Flaem’s main role is coaching. The coach helps the young person think, reflect, explore choices and decide on their own next steps. At times, it may be useful to explain a financial concept, introduce a practical tool or point towards a relevant resource. The coach will check that this would be helpful rather than automatically switching into teaching or giving instructions. Flaem does not recommend financial products or tell someone which financial decision to make. Coaching is also not tutoring, therapy, medical care, legal advice, debt advice or a replacement for specialist support. Where another kind of support appears more appropriate, Flaem will be open about that and may suggest an appropriate source of help.