Nick Markott

Ramsey Solutions Master Financial Coach

Let's find your way to freedom

Hope-filled financial coaching for couples, singles, and mid-lifers feeling suffocated when they compare their bank account to their dreams.

No hole is too deep!

  • "When I first sat down with Mr. Markott at a local coffee shop in August 2025, I wasn’t sure what to expect. I was over $6,000 in debt and had a credit score of just 505. He took the time to understand my situation, helped me create a realistic financial plan, and gave me the guidance and accountability I needed to stick with it. By March 2026, I had paid off all of my debt and raised my credit score to 620. Because of everything Mr. Markott taught me, my fiancée and I have continued using the same principles. She started with over $22,000 in debt, and we’ve already paid it down to $15,000. We’re on track to have the rest paid off by next April. Mr. Markott didn’t just help me get out of debt—he changed the way we manage our money as a couple. If I could give anyone one piece of advice, it’s this: trust Mr. Markott and stick to his plan. It works. I’m living proof that if you’re willing to stay committed and follow his guidance, you can completely change your financial future. I couldn’t be more grateful for everything he’s done for us.

    — Matthew B., 2026

Get to know Nick

MS, FINANCE | RAMSEY SOLUTIONS MASTER FINANCIAL COACH

After I graduated college with my bachelors in business, I was handling my finances the way society tells you to. I had a credit card for emergencies, a car (truck) payment, student loans, and personal loans. I was taught how to use debt wisely until I found myself $20,000 in credit card induced by not having a plan, and $0 saved for retirement by the time I was 29. That’s when I discovered Dave Ramsey. I was engaged to my beautiful wife when I was 30 and we took Financial Peace University as pre-marriage counseling. In just over two years, we were able to pay off $87,000 in debt while making a combined annual income of $75,000.

I’m an East Coast boy, born and raised in Buffalo, NY. My wife is a California girl from Lodi. Needless to say, snow and humidity did not mix kindly with her. We moved back to Cali two years into our marriage, and her family was here to welcome us with open arms. Now we enjoy a debt-free lifestyle (outside of our mortgage) which includes traveling, theater, hiking, going to the beach, Disney, and of course, watching our beloved Buffalo Bills! ( This is their year of course.) We are also involved in youth ministry at our church.

I have a passion for helping people realize their vision and helping them develop a plan on how they can achieve it. I’m a financial coach, which is different from an advisor. I will help you discover the best way to get ahead while teaching you a lot along the way. There will be things you discover that are aha! moments, and things that you knew but just needed to say out loud. I am not here to judge or tell you what to do. It’s up to you to make the plan, with my suggestions along the way. I am excited to work with you. Just fill out the form below and I will be in contact with you.

TAKE YOUR FIRST STEP TOWARD FINANCIAL FREEDOM!

Book a complimentary consultation:

What happens next?

After a complimentary consultation to go over needs, what to expect, and pricing, we’ll set up an in-person meeting in Lodi, CA or we can meet virtually.

I’ll send you a Personal Financial Snapshot to fill in

We’ll work together on a plan that suits your situation

We’ll meet monthly for an average of 3 months, or as long as you need

  • Access to Nick via email

    Monthly meetings

    A clear plan to reach your goals

    A hopeful vision for the future

    Somebody who listens to you

  • Not at all. While many clients come looking for help getting out of debt, coaching is also valuable if you're trying to build a budget that works, save for a major goal, improve communication about money, or create a long-term financial plan.

  • A financial coach helps you build healthy money habits, create a plan, and stay accountable. Unlike a financial advisor, I don't sell investment products or manage your money. My focus is helping you gain confidence and make wise financial decisions.

  • Yes. While it's ideal when couples participate together, many people begin by taking ownership of their own financial habits. Often, positive changes create momentum that encourages the other spouse to engage over time.

  • Yes. As a Ramsey Certified Financial Coach, I use principles that have helped millions of people pay off debt, build savings, and gain control of their finances. Every situation is unique, so we'll apply those principles in a way that fits your goals and circumstances.

I don’t come up with the plan. You do.

— NICK

“Change is painful. Few people have the courage to seek out change. Most people won’t change until the pain of where they are exceeds the pain of change.”
— Dave Ramsey