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Welcome to Piece of Heart Financial Counseling & Life Coaching!

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Author, Guest Speaker, and passionate advocate for military families around the world, Kristy Tubbs utilizes her certifications and expertise as an Accredited Financial Counselor, Biblical Counselor, Professional Life Coach, Certified Financial Coach, and former Teacher of the Year to bring joy, energy, and wisdom to every event.


Kristy travels the world speaking to groups and organizations, inspiring with such topics as:

  “My Love Purse is EMPTY and so is My Wallet!”

“It’s Time to Put your Big Girl Panties on and Deal with it”

“You said, ‘WHAT?!’—understanding the different communication styles of men and women”

“Food budgeting for families”

“7 Steps to a More Productive YOU!”

“Beautiful YOU!”

“Women Helping In Politics”

“5 C’s to Financial SuCCess”

“Who are you at your CORE?”

“Choose Happy”

“Going Tribal--Becoming Warriors for your Squadron, Family, and Team”

“You Married Me For Better or Broke”

“The Power of the Military Wife”

and many more delightfully witty topics.

As the Creator of “My Love Purse Is Empty and So Is My Wallet”, Kristy provides couples the ability to face the reasons why arguments begin over money while teaching communication skills to restore the love bonds and promote the oneness in marriage leading to financial success for the future.
Kristy’s humor and truth-seeking honesty make her a favorite speaker at conventions and conferences for business groups, women’s groups and military personnel and their families. Her devotion to our military Veterans has earned her the honor of Professional Businesswoman of the Year.
Teaching people how to BUDGET during times of difficulty and times of plenty in order to stay financially sound is the driving force behind the Piece of Heart Financial Counseling and Life Coaching Team. Kristy’s focus in this area continues to be military families who have been burdened with war, separation, financial uncertainty and deployments.


Kristy is a member of the American Association of Christian Counselors, the Association of Financial Counseling, Planning and Education, Soroptomist International, and Concerned Women. She is an Accredited Financial Counselor, a Biblical counselor, a Financial Coach, the Founder of Piece of Heart Financial Counseling, a Professional Life Coach, the mother of 3 amazing children, and the proud wife of Rick Tubbs, Col, USAFR (ret). She resides in Fredericksburg, Virginia with her family and her rescue puppy.

If you would like to be inspired, laugh a little, cry a little and leave knowing YOU can and WILL make a difference in your world TODAY, contact Kristy Tubbs to book this inspirational speaker for your next event!



What We Do

Credit Counseling



Feeling like your debt is climbing out of control?  Are you constantly thinking about your financial life and wondering if this is the best it can be?  There is hope for your future and YOU have the ability to create the financial life you desire!  Schedule your appointment TODAY and begin sailing free to your path to financial fitness.  We work on a sliding pay scale, so let's talk today about how my team can help you to find peace.  

Marriage & Money   Counseling

Everyone gets to a place in their marriage where life seems just too much to handle.  Maybe you are still very much in love and just need communication tools or maybe you are looking for a miracle because you think you have tried everything.  Whether you are seeking hope or seeking a miracle, Kristy has a 20 year success record of helping couples restore their Love Purses and regain that passion they once had.  During your Personalized 3-day intensive coaching sessions, Kristy and our staff give you the tools to strengthen your marriage while working towards achieving the dream of happily ever after--TOGETHER!



Kristy's humor and truth-seeking honesty make her a favorite speaker at conventions and conferences for business groups, women's groups, church conferences and military personnel and their families.  Choose from one the highly acclaimed speeches or have Kristy create a personalized program for your event.  If you want your attendees to laugh, cry and leave knowing they are important in this world, then book Kristy to elevate the experience of your venue.

Financial Education Workshops

The key to financial success is to know YOUR strengths and cover for your weaknesses.  Kristy is an accomplished workshop provider and will bring a spirit of excellence to your conventions and conferences for business groups, woment's groups, church conferences and military personnnel and their families.  Leave your specially designed financial workshop feeling inspired and ready to achieve your best life beginning with your best finanical plan of action!

Dollar Bill in Jar

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