About Seed Money Consulting
At Seed Money Consulting, we partner with individuals, families, and business owners who want clarity, confidence, and intentionality in their financial lives. We believe financial planning, tax strategy, and investment management shouldn’t be confusing — they should be empowering.
Our approach blends rigorous expertise with authentic care. We meet you where you are, listen deeply to your goals, and help you build a framework you can understand and trust.
Our Mission
To make financial guidance accessible, clear, and aligned with what matters most — your life, your business, and your long-term well-being. We believe educated financial decision-making builds stronger families, more resilient businesses, and a healthier community.
Who We Serve
We work with:
- Entrepreneurs and small business owners
- Independent professionals and freelancers
- Individuals and families planning for today and tomorrow
No matter where you are on your financial journey, we support you with tools, guidance, and accountability — not judgment.
Our Principles
Expertise You Can Count On
Our team combines professional credentials with years of real-world experience across planning, taxation, investing, and business consulting. We stay current with industry standards, analytical tools, and regulatory requirements so you don’t have to.
A Caring, Human Approach
We listen first. We explain clearly. And we make sure you understand not just what decisions you’re making — but why. Financial guidance at Seed Money Consulting is personal, thoughtful, and grounded in respect for your values.
Transparent and Independent
We operate on a fee-based, conflict-free model. That means we never earn commissions on financial products, and your best interests come first — always.
Community Matters to Us
We believe strong communities are built through active involvement and shared support. Seed Money Consulting contributes time and resources to local initiatives that expand financial literacy, promote economic opportunity, and strengthen small business ecosystems.
Our team:
- volunteers for financial education programs
- supports local small business events
- partners with community organizations focused on empowerment and resilience
We show up where we live, work, and give back — because thriving communities benefit us all.
Get to Know Us - Executive Team
At the core of Seed Money Consulting are people who care — about your goals, your challenges, and your growth. We blend analytical expertise with human-centered support so you can make better financial decisions with confidence and clarity.
Your goals matter. Your financial journey matters. And we’re here to walk it with you.
Melina Maslehati, ChFC®, CFE
Founder, CEO, & Principal Advisor
Melina Maslehati is the Founder and Principal Advisor of Seed Money Consulting, where she works with individuals and business owners to bring clarity, structure, and confidence to complex financial decisions. Her work spans financial planning, tax strategy, investment oversight, and business advisory, with a particular focus on thoughtful governance, sustainable growth, and long-term outcomes.
Melina holds the Chartered Financial Consultant® (ChFC®) designation and is a Certified Fraud Examiner (CFE), with extensive training in financial planning and analysis (FP&A), regulatory compliance, governance frameworks, internal controls, finance, credit, and accounting. She spent more than 15 years with the federal government as a commissioned examiner, where she supervised both high-risk and large financial institutions and specialized in financial analysis, loan structures, pricing, and risk management. She also serves on Intuit's Tax Council.
Her background provides a rare blend of regulatory insight and practical advisory experience, allowing her to guide clients with both technical precision and real-world perspective. In addition to her professional practice, Melina is a law student, further strengthening her approach to compliance-aware, well-reasoned financial guidance.
Melina is deeply committed to education, transparency, and client empowerment. She believes the best financial decisions are made when people understand not only the strategy, but the reasoning behind it—and she brings that philosophy into every client relationship.
Sam Heitzer
Chief Operating Officer & Senior Business Consultant
Sam is a senior consultant with over a decade of experience in the financial services industry, specializing in tax, accounting, and business strategy. At Seed Money Consulting, he works with individuals and small business owners to develop practical solutions that support growth, compliance, and long-term stability.
His professional background includes investor relations, bank regulation, financial assurance audits, and financial consulting—providing a broad foundation across both technical and advisory disciplines. Sam holds a degree in Finance from Colorado State University, which laid the groundwork for his deep understanding of financial systems and client-centered strategy.
Outside of work, Sam enjoys spending time outdoors with his wife and friends, with interests that include golf, skiing, hiking, and travel. He values balance and believes that a well-rounded life contributes to clearer thinking and better decision-making—both personally and professionally.
Sam is driven by the belief that individuals and small businesses can achieve remarkable outcomes with the right guidance and support. He is known for his collaborative approach and commitment to ensuring clients feel understood, valued, and confident as they work toward their goals.
Daniel Vaisberg
Chief Information Security Officer & Senior Business Consultant
Daniel brings extensive experience in financial transformation and operational strategy, having worked with national and global organizations to evaluate and implement innovative digital solutions across back-office operations. His work has focused on driving cost savings, improving efficiency, and creating long-term value for both private and public companies.
Results-oriented and entrepreneurial by nature, Daniel has led and contributed to a wide range of initiatives centered on financial modernization, systems integration, and process improvement. His background allows him to translate complex financial concepts into practical, actionable strategies.
At Seed Money Consulting, Daniel partners with startups and individuals to bring enterprise-level financial expertise to a more personal scale. This combination of large-scale transformation experience and individualized advisory work enables him to support clients through critical financial decisions with clarity and confidence.
Daniel’s approach is thoughtful, growth-focused, and grounded in real-world execution—helping clients build strong financial foundations while navigating complexity with ease.
Robert-Josef Heitzer
Chief of Staff and Senior Business Consultant
Rob is a senior consultant and financial services practitioner who works closely with individuals and business owners to navigate complex financial situations and pursue meaningful goals. His professional foundation was shaped by a decade of service in the U.S. Army, where he developed strong leadership skills, discipline, and a results-driven mindset.
After transitioning into financial services in 2023, Rob began combining his military experience with formal business education. He is currently pursuing an MBA in Accounting, bringing both academic rigor and practical insight to his work with clients. His approach emphasizes structure, accountability, and strategic thinking—helping clients move from uncertainty to clarity.
A Colorado native now based in Colorado Springs, Rob has lived across Georgia, Texas, and Arizona. Outside of work, he enjoys exploring Colorado’s outdoors through hiking, skiing, camping, and four-wheeling, as well as refining his BBQ skills. He has been married for 12 years and is raising two young children, which continually reinforces his commitment to helping families and business owners build stable, sustainable futures.
Rob is motivated by the transformative impact of sound financial principles and is driven to help others avoid the costly mistakes he wishes he had guidance on earlier in life. His mission is to help clients learn, grow, and achieve lasting success—both personally and professionally.