HARRISONBURG, VA (Rocktown Now) — When it comes to managing money, everyone’s needs look a little different. Some people are preparing for retirement, while others are learning how to budget, save for a child’s education, or take their first steps toward financial confidence. At Everence Financial in Harrisonburg, we understand that financial guidance isn’t one-size-fits-all.

That’s why we offer both Financial Consultants and Financial Planners — professionals with distinct roles who share one mission: helping you build a stronger financial future.

Financial Consultant vs. Financial Planner: What’s the Difference?

A Financial Consultant focuses on helping individuals and families gain clarity and confidence in their day-to-day financial lives. Consultants often meet with people who are looking for practical tools and education — how to create a budget, manage debt, start saving, or plan for future goals like college or home ownership.

It’s about building financial literacy and creating a foundation that lasts.

A Financial Planner, on the other hand, often helps individuals and families with more complex financial strategies. That might include long-term retirement planning, estate or tax strategies, investment management, or integrating multiple financial goals into one cohesive plan.

Financial planners work best for those who already have a stable financial foundation and want to create or refine a detailed roadmap for the future.

Both roles — consultants and planners — play an important part in helping people grow financially, and often they work together to serve different needs within the same community.

Why Guidance Matters More Than Just Numbers

Managing money can feel intimidating, especially if you’ve never worked with a financial professional before. For many in our community, the idea of sitting down to talk about finances can feel overwhelming.

If you’re just getting started, have questions about saving, or want to understand your finances more clearly, a Financial Consultant can be a great first step.

You don’t have to be wealthy to plan wisely. You just have to start.

At Everence, we believe in faith-based financial stewardship, education, and community strength. Our team is here to guide you—with compassion, integrity, and expertise.

Visit Everence Financial in Harrisonburg to schedule your no-cost interview and begin your journey toward financial confidence. Your better future starts today—with a conversation.

Federica Pandolfi is a Financial Consultant who serves in the Harrisonburg, Virginia office where she takes pride in helping people and institutions integrate their faith and values into their financial decisions. Among her goals is to cultivate healthy relationships and serve as a role model for young women. Federica enjoys traveling and spending quality time with her husband and two young daughters. Federica is fluent in English and Spanish.