Financial Flow$ — created by Take Charge Coaching & Consulting — is a community-driven initiative designed to close the racial wealth gap for minorities and underserved residents in Kent and Washington State.
Founded by Tierra Bonds, the program uses trauma-informed financial education, credit improvement, and business credit building as tools for generational wealth and economic justice. Through personalized credit coaching, business credit building, and educational workshops, Take Charge helps individuals strengthen financial confidence, reduce debt, and pursue homeownership or entrepreneurship.
Bonds spent six years working at the Department of Corrections (DOC), which included advocacy and reentry support. There she observed the disproportionate impact of the “war on drugs” on Black, Latine, and Tribal communities. Her lived experience was not as an incarcerated person herself, rather she was witness to the unfairness of the system as it impacted those she knew directly. Her observations inspired her to leave the DOC and ultimately create Take Charge Consulting in 2017.
Through personalized credit coaching, business credit building, and educational workshops, Take Charge helps individuals strengthen financial confidence, reduce debt, and pursue homeownership or entrepreneurship.
Their transparent, culturally responsive approach meets people wherever they are on their financial journey — from rebuilding credit to expanding small businesses.
In their own words, the consulting group is proud of its innovative approach to financial growth from the inside out:
“Financial Flow$ is one of the first programs that recognizes the importance of healing financial trauma. We understand that money struggles are not just about math — they are emotional, generational, and often tied to trauma. That’s why the program goes beyond budgets and credit scores, weaving in HealingArts like mindfulness, music, and movement to address the stress and shame that come with money.”
Psychology Today says, “evidence also suggests that general art engagement can help improve outcomes related to mental health and trauma recovery” by creating space to heal while learning,
Financial Flow$ helps participants release financial trauma, rebuild confidence, and strengthen self-worth.
When financial education is paired with healing, the outcome is not just skills — but resilience and lasting change.”
Financial Flow$ also offers opportunities for community sponsorships and partnerships with local organizations that share a commitment to equity and empowerment. They invite interested businesses or organizations to contact them for a custom proposal.
Together, these collaborations help create lasting change through collective investment in financial education and opportunity.
For more information or to schedule a free consultation, or to discuss partnership opportunities visit www.takechargecc.com or email tierrabonds@takechargecc.com.
