HI! WE'RE

Angela and Arielle

HI! WE'RE

Angela and Arielle

HELPING WOMEN OF DIVERSE BACKGROUNDS RESET THEIR RELATIONSHIP WITH MONEY 

Natasha Carrillo,  CFEI®,  M. Ed.

 

Hi! I am a FinCoach, Speaker, Podcast Host, Mom, and Wife who strives for balance in my life, and I love helping others do the same.

My passion is helping young couples and individuals learn to manage their money with confidence. I conduct interactive, engaging, hands-on speaking events and workshops where attendees leave with specific action steps to improve their finances. I provide one-on-one and small group coaching where we dig into the specific details of those in the group, and create a specific action plan for growth. 

I also co-host a weekly financial empowerment podcast, called Black and Brown Make Green where we make money easy to understand through casual conversations.

I love learning and sharing that knowledge. My background is education. I taught elementary school and served as an instructional coach before merging 2 of my passions, education and finance, to become a FinCoach. 

I love connecting and learning from others across wide backgrounds.

Check out my podcast Black and Brown Make Green

Arielle Minicozzi, CFP®, CSLP®


I was fortunate enough to grow up in a family with strong financial knowledge, but I learned a two-sided message about money - on the one hand, my mom, who had less money, was very open about money, forcing us to balance a checkbook, opening up CDs in our name and teaching us about interest, showing us her retirement accounts and talking to us about estate planning. On the other hand, my dad, who worked in the mortgage industry and had more money was less open about money to the point where my sisters and I were afraid of speaking about money with him.

When I graduated from college as an art major I needed a job so I took an internship in the mortgage department of a bank. I thought it would be temporary until I could find a job at a photography studio, but six months turned into six years. Clients always commend me on my ability to translate financial information into easy-to-understand language and I still pride myself on that skill today. As someone who grew up with some personal financial knowledge, but virtually no institutional financial knowledge, I know how it feels to enter the world of adult financial responsibility and have no idea what’s going on; I never want my clients to feel that way.

While it was a hard decision to leave the mortgage world, I knew I wanted to impact people’s lives before they committed to a life-altering decision like purchasing a home. My goal for all clients is that when they finally reach those milestones like graduating college, buying a home, getting married, or having children, they already have the foundational skills and the emergency fund to weather financial storms.

Up Close and Personal with Natasha Carillo

 

I grew up in a family where my parents spoke freely about finances with me, my brother, and my sister. My mom was a math whiz and could calculate the sales price of an item within seconds. She made sure we had everything we needed at a price that made sense. My dad was a visionary and a planner. He created his own budgeting system with designated percentages for each spending category. I graduated high school with a solid foundation on how to manage money, and it was all thanks to my parents.

I was fortunate that when I graduated college I had no student loan debt, no credit card debt, and I quickly built-up savings while working my first teaching job. This story is rare in America, and I recognize how this propelled me financially into my 30s; but I didn’t allow my parents’ teachings to be my only guide. I have devoured countless books, articles, podcasts, and documentaries to grow my knowledge and have applied these strategies directly in my life. My husband and I share our finance stories on a podcast that we host together. The podcast unveiled a true passion for finances. At that point, my passion for finances collided with my passion for teaching, and this led me to financial coaching.

 My parents were a model of working together to manage their finances, seeing each partner as equal, and passing on their knowledge to their kids and others. I know what generational wealth looks like as it’s passing hands. I’ve seen it and experienced it first-hand. I know what it takes to maintain the wealth from one generation to the next, but I also understand what it means to go from broke to thriving because we were there once as well. My parents planted a seed in me, and now I want to plant that seed into others.

 

Arielle Minicozzi, CFP®, CSLP®


I was fortunate enough to grow up in a family with strong financial knowledge, but I learned a two-sided message about money - on the one hand, my mom, who had less money, was very open about money, forcing us to balance a checkbook, opening up CDs in our name and teaching us about interest, showing us her retirement accounts and talking to us about estate planning. On the other hand, my dad, who worked in the mortgage industry and had more money was less open about money to the point where my sisters and I were afraid of speaking about money with him.

When I graduated from college as an art major I needed a job so I took an internship in the mortgage department of a bank. I thought it would be temporary until I could find a job at a photography studio, but six months turned into six years. Clients always commend me on my ability to translate financial information into easy-to-understand language and I still pride myself on that skill today. As someone who grew up with some personal financial knowledge, but virtually no institutional financial knowledge, I know how it feels to enter the world of adult financial responsibility and have no idea what’s going on; I never want my clients to feel that way.

While it was a hard decision to leave the mortgage world, I knew I wanted to impact people’s lives before they committed to a life-altering decision like purchasing a home. My goal for all clients is that when they finally reach those milestones like graduating college, buying a home, getting married, or having children, they already have the foundational skills and the emergency fund to weather financial storms.

why we do it

No matter what level of education or wealth someone may have, most people have never been taught the basics of personal finance. Before we partnered, we both started our own individual financial advisory firms to serve young professionals that needed and wanted the guidance of a financial advisor but didn’t have the minimum assets to work with a traditional advisor.

However, even though our model made personal finance available to more individuals, there were still so many people who needed help, but either couldn’t afford or didn’t need holistic financial planning. Angela envisioned Modern Money Education as a way to close the gap and offer financial coaching and courses to smart, savvy women who desire financial guidance on their own terms.

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work with us

Our primary mission is to help women from all walks of life build a strong financial foundation, one focused on aggressively eliminating debt and accumulating wealth. Our passion is empowering and educating young professionals to be financially self-sufficient so they can pay it forward, just as we strongly believe in our responsibility to do so.

Modern Money Education was built to reflect these values, and we live them every day through our personal lives and in our work with our clients. We believe we offer something truly unique to those women who want to change their money mindset and live their best financial lives.

FIND OUT MORE

as seen in...

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fun facts about us

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Angela’s middle name is Mahagoni, after the Diana Ross movie (Mahogany).

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Arielle has a hairless cat, Nigel, who loves to join in on client meetings.

let's connect

let's connect