The Human‑Centered
Financial Method™
A certification giving financial professionals the framework to leverage the human capacities that technology cannot replicate — to build trust, deepen relationships, and define their practice.
For advisors, planners, bankers, wealth managers, coaches & beyond.
Amodei
Anthropic
As AI absorbs technical work across industries, Amodei identifies human-centered skills — specifically trust, communication, and relational capacity — as the combination most likely to remain defensible. Anthropic's own research identifies business and finance roles as among the most exposed to AI task coverage, making the human layer not a soft add-on, but the defining professional differentiator.
AI is reshaping finance.
Close to $100 trillion is moving to women.
The financial profession is at a genuine inflection point. Two forces are converging — and the professionals who understand both will define what excellent practice looks like for the next generation.
As AI absorbs portfolio modeling, compliance monitoring, and financial planning algorithms, the technical floor is rising for everyone. The competitive differentiator is no longer what you know. It is how you relate.
At the same time, close to $100 trillion is moving into the hands of women over the next two decades — many of them navigating inherited wealth, the loss of a spouse, or major financial transition for the first time. Research shows that 70% of widows leave their financial advisor within a year of their spouse's death. Not because of performance. Because of relationship.
The Human-Centered Financial Method™ gives financial professionals the framework to meet both of these moments — with skill, with presence, and with the kind of trust-based relationship that keeps clients for the long term.
Three pillars. One framework.
Delivered through the 6-Phase HCFM Method™.
Each pillar follows the transformational arc of the HCFM Method™:
Understand how past experiences, generational patterns, cultural narratives, and systemic factors shape a client's relationship with money — and why behaviour that looks irrational almost always makes sense in context.
Develop the skills to read client capacity in real time, build the psychological safety in which real financial engagement becomes possible, and navigate grief, transition, and life complexity with presence.
Help clients move from urgency and survival thinking to long-term vision, and support sustained action rooted in values-aligned belief — creating advisor–client relationships that endure through life's changes.
The largest shift in wealth ownership in history is already underway.
Close to $100 trillion will move into the hands of women by 2048 — as surviving spouses and as inheritors in younger generations. By 2030, women in the US will control $34 trillion in financial assets, up from $7.3 trillion a decade ago.
Many of these clients will navigate inherited wealth for the first time. Many will be doing it while grieving. The financial decisions they face will be among the most consequential of their lives — and they will be making them while their nervous systems are under significant stress.
The professionals who know how to show up for them will earn trust that no algorithm and no competitor can replicate.
Built for financial professionals of every kind
The Trauma of Money™ Institute
in Partnership with SheMoney
The HCFM inaugural cohort launches in partnership with SheMoney — an events, content, and research organization that has spent over 15 years advancing women's financial agency and well-being. SheMoney convenes the SheMoney Summit, produces original research and educational content on women and money, and hosts a community of over 160,000 subscribers. Their work spans financial literacy, gender-lens investing, philanthropic leadership, and policy — making them a defining voice at the intersection of women and wealth.
SheMoney was founded by Jacki Zehner — the first woman trader to make partner at Goldman Sachs, and co-founder of Women Moving Millions (which has directed over $1 billion in gender-lens philanthropy). Their partnership with the HCFM reflects a shared conviction: that the financial professionals who will define the next era are those who can meet clients with both technical excellence and genuine human understanding.
The Trauma of Money™ Institute
A global training organization with a decade of research and practice in trauma-informed approaches to financial behaviour, client psychology, and relational money dynamics. The Institute was founded by Chantel Chapman, who also authored The Trauma of Money: Mapping Compassionate Pathways to Healing Financial Trauma and Disempowering Financial Shame — an international bestseller, USA Today bestseller, and #1 on the Globe and Mail Canadian Author Bestseller list.
The Institute trains financial professionals, therapists, social workers, coaches, and economic justice advocates across more than 20 countries. The Human-Centered Financial Method™ is the next evolution of that mission — purpose-built for the financial services industry, and designed to complement the technical designations professionals already hold.
The Institute is actively pursuing CE credit approval under CFP, CFA, and other major designations — so practitioners can apply HCFM training directly toward continuing education requirements.
World-class educators. Real-world expertise.
Announcement
Public cohort
coming 2027.
The open HCFM™ certification cohort arrives in 2027. Leave your email and you’ll be the first to know when enrolment opens.
Available now
HCFM™ for Orgs
Bring the Human-Centered Financial Method™ to your advisors, teams, and institutions. Enterprise training, delivered by TOM™ faculty.