Empower Your Money Management with Merging Finances
Financial Strategies for Success
Merging Finances is dedicated to providing innovative financial strategies. We believe in empowering individuals, couples, and small business partners to master their money.
Merging Finances |
Our Financial Services
Merging Finances offers a comprehensive suite of financial services tailored to meet your unique needs and goals.
Empowering Financial Growth
On-Time Harvest™ Financial Clarity When It Matters Most.
Our cloud-based SaaS platform and mobile app provide users with real-time financial visibility, discretionary income forecasting, AI-powered financial analysis, and behavioral insights—all in one secure experience. Designed to support both short- and long-term financial goals, the platform helps users anticipate financial strain, understand everyday financial decisions, and plan proactively. When needed, users may access responsible point-of-sale bill financing (BNPL) for essential obligations, helping prevent overdrafts and missed payments while maintaining financial stability.
Curriculum-Based Education
Built for Real Life. Designed for Lasting Impact.
01
Structured Financial Foundations
A guided, curriculum-based learning experience designed to meet participants where they are—whether students, individuals, couples, or small business partners—building clarity and confidence around money management from the ground up.
02
Practical Skills &
Real-World Application
Hands-on education that blends core financial principles with
real-life scenarios, helping participants budget effectively, understand credit, manage cash flow, and make informed financial decisions they can apply immediately.
03
Behavioral &
Decision-Making Insights
Instruction rooted in behavioral finance, equipping participants to understand the why behind their financial habits and develop healthier, more sustainable money behaviors that support long-term stability and growth.
04
Community-Based Delivery
& Lasting Outcomes
Programs delivered in partnership with educational institutions, workforce development programs, and community organizations—ensuring accessible learning, ongoing support, and financial tools that create measurable, long-term impact.
Financial Literacy Workshops and Seminars
Practical Learning. Real-World Application.
Our financial literacy workshops and seminars provide engaging, data-driven learning experiences that translate financial concepts into everyday decision-making. Designed for organizations, schools, and community groups, these sessions leverage behavioral insights and real-world examples to help participants better understand budgeting, credit, saving, and financial planning. Each workshop is interactive, accessible, and grounded in real financial scenarios—helping attendees walk away with greater clarity, confidence, and the ability to optimize their financial resources responsibly.
Client Success Stories
Read inspiring success stories from individuals and businesses who have transformed their financial journey with us.
"From the very beginning, the authors lay a solid foundation by addressing the emotional aspects of financial merging. They understand that money can be a sensitive topic for many couples, and they create a safe space for discussion. The interactive elements, like worksheets and discussion prompts, make it easy for couples to engage with the material together, fostering open communication and trust."
Testimonial - Tob Fatunmbi
"This book was written very well. And super helpful to me. It has changed my life. I hope more people take the time to read it, you won’t regret it!"
Testimonial - Raymond P.
Book Chanel & Estado for
Speaking Engagements & Workshops
Insightful. Impactful. Action-Oriented.
Chanel and Estado Outlaw are sought-after speakers on financial literacy, behavioral finance, and financial wellness. Together, they bring a unique blend of financial social work, financial management, and fintech innovation to audiences ranging from educational institutions and workforce programs to conferences and corporate events. Their speaking engagements are designed to educate, inspire, and equip audiences with practical tools and a deeper understanding of how financial clarity and discipline drive long-term success.
Book a Call: Platform Demo &
Strategic Partnerships
Let’s Build Financial Clarity—Together.
Schedule a call with the Merging Finances team to explore a live demo of our SaaS platform and discuss strategic partnership opportunities. We work closely with educational institutions, workforce programs, and organizations to integrate our curriculum, technology, and financial literacy tools into existing programs. These conversations focus on alignment, impact, scalability, and long-term value ensuring our solutions meet your goals while delivering measurable outcomes for the communities you serve.
Our Valued Partners
