About Spradley Financial Counseling & Coaching (SFCC)
At Spradley Financial Counseling & Coaching (SFCC), we believe everyone deserves access to honest, judgment-free financial guidance. Whether you’re trying to get out of debt, build savings, improve your credit, or plan for the next chapter of life, we’re here to walk with you — every step of the way.
Founded by Oran Spradley, a 20-year U.S. Army veteran and Accredited Financial Counselor®, SFCC provides personal financial coaching and education to individuals and families across Central Texas and beyond. Our services are designed for people at all stages of life — from teens and young adults just starting out to retirees looking to protect what they've earned.
Our Approach
We combine real-life experience with certified expertise to deliver practical, empowering financial support. Our coaching is:
Customized to your unique situation
Supportive but realistic — we’ll cheer you on and challenge you when needed
Results-focused, using proven methods like SMART goal setting and the GROW model
Confidential and free from judgment — your financial past does not define your future
Whether you attend a workshop or meet one-on-one, you’ll leave with clear steps, powerful tools, and a renewed sense of control over your finances.
What We Offer
Our services include:
1-on-1 financial counseling and coaching
Family budgeting support
90-minute mini workshops (monthly, covering key financial topics)
8-hour hands-on financial transformation workshop (annually)
Support for military transitions, first-time homebuyers, and life coaching clients
Virtual and in-person options available
We also partner with local organizations, counseling and coaching programs to offer financial support as part of holistic life planning.
Meet Oran J. Spradley
Oran J. Spradley's credentials include:
Accredited Financial Counselor (AFC®)
Certified Credit Counselor (CCC)
Certified Financial Health Counselor (CFHC)
Financial Fitness Coach (FCC)
With over 10 years of experience in financial counseling — and a lifetime of lessons learned through personal financial ups and downs — Oran brings unmatched empathy, insight, and integrity to each client relationship.
His military background makes him especially passionate about serving fellow service members, veterans, and their families, but his work extends to anyone seeking clarity, confidence, and control in their financial life.
Our Motto:
"Helping You Build a Better Relationship with Your Money."
At SFCC, we’re more than coaches — we’re your financial sidekick. We’ll meet you where you are and help guide you to where you want to be.
📍 Service Area
We proudly serve clients in Killeen, Fort Hood, and the greater Central Texas area, with virtual options available nationwide.