The information, education, and coaching provided through Centered Money® and by Colleen Murphy are intended solely for general informational and educational purposes within the scope of financial coaching.

Colleen Murphy is a Ramsey-trained financial coach with a background as a physician and a minister. Within the context of Centered Money®, she does not act as a physician, healthcare provider, mental health professional, attorney, accountant, tax preparer, or licensed financial advisor.

No portion of any Centered Money® session, program, communication, or material should be interpreted as medical, psychological, legal, tax, or investment advice.
Colleen Murphy does not:

• Provide medical diagnosis, treatment, or cure;

• Offer psychotherapy, mental health counseling, or therapeutic services;

• Draft legal documents or provide legal counsel;

• Offer investment management or securities advice;

• Sell or recommend any financial, investment, or insurance products.

All services, guidance, and educational materials provided are designed to support clients in developing awareness, accountability, and personal decision-making skills regarding money and life balance.
They are not a substitute for individualized advice from licensed medical, legal, tax, investment, or financial-planning professionals.

By participating in any Centered Money® program, coaching session, consultation, or communication, you acknowledge and agree that:

• You retain full responsibility for all personal, financial, medical, legal, and business decisions and their outcomes.

• Colleen Murphy and Centered Money® assume no liability or responsibility for any actions, choices, or results arising from your participation.

• No professional-client relationship of a fiduciary, therapeutic, or legal nature is created.

• Referrals to other professionals are provided only as optional resources and do not constitute recommendations or endorsements of specific providers, products, or services.

Your participation signifies that you fully understand and accept these terms and boundaries and that you release Colleen Murphy and Centered Money® from any and all liability associated with the information or guidance provided.