Photo of Durand Healing and Wellness Center, Clinical Social Work/Therapist in Anthem, AZ
Durand Healing and Wellness Center
Clinical Social Work/Therapist, DBH, LCSW
Verified Verified
Anthem, AZ 85086
Now accepting new clients! At DHWC we believe that anyone has it within themselves to create change, our job is to give you the skills and empower you to do so. Dr. Durand is a Doctor of Behavioral Health and Licensed Clinical Social Worker with an extensive background in both outpatient and inpatient healthcare settings. In her many years of leadership experience, she has developed a passion for supervising and training up quality mental health professionals. Therefore, we offer several clinicians at our practice under her direct supervision with a range of skills and price ranges that can fit most patient needs.
Now accepting new clients! At DHWC we believe that anyone has it within themselves to create change, our job is to give you the skills and empower you to do so. Dr. Durand is a Doctor of Behavioral Health and Licensed Clinical Social Worker with an extensive background in both outpatient and inpatient healthcare settings. In her many years of leadership experience, she has developed a passion for supervising and training up quality mental health professionals. Therefore, we offer several clinicians at our practice under her direct supervision with a range of skills and price ranges that can fit most patient needs.
(480) 690-8941 View (480) 690-8941

More Therapists Nearby

Photo of Diane P. Goula LCSW, Clinical Social Work/Therapist in Anthem, AZ
Diane P. Goula LCSW
Clinical Social Work/Therapist, LCSW
Verified Verified
Cave Creek, AZ 85331
I specialize in assessing and treating ADD/ADHD, behavior and mood disorders in adults and children of any age, adoption, infertility and life transitions (teen to adulthood, divorce, moves, caring for aging parents, etc).
Let me help you find your balance. We'll focus on the goals and timelines you set by building upon your individual strengths, beliefs and life experience. I'm interactive and will intertwine technology, insights, and practical feedback with compassion and humor (especially if you have a mentally ill family member, difficult or special-needs child /spouse or an aging parent). I'm available to conduct video and in-person sessions after 5:00 pm. You can book your first appointment in less than 5 minutes via my 24/7 online scheduler. Please visit my website, www.DianeGoula.com to learn more.
I specialize in assessing and treating ADD/ADHD, behavior and mood disorders in adults and children of any age, adoption, infertility and life transitions (teen to adulthood, divorce, moves, caring for aging parents, etc).
Let me help you find your balance. We'll focus on the goals and timelines you set by building upon your individual strengths, beliefs and life experience. I'm interactive and will intertwine technology, insights, and practical feedback with compassion and humor (especially if you have a mentally ill family member, difficult or special-needs child /spouse or an aging parent). I'm available to conduct video and in-person sessions after 5:00 pm. You can book your first appointment in less than 5 minutes via my 24/7 online scheduler. Please visit my website, www.DianeGoula.com to learn more.
(480) 568-4425 View (480) 568-4425
Photo of Haley Fieger, Marriage & Family Therapist Associate in Anthem, AZ
Haley Fieger
Marriage & Family Therapist Associate, LAMFT
Verified Verified
2 Endorsed
Cave Creek, AZ 85331
Accepting Cigna Starting Mid-May! Are you wanting to break free of patterns that no longer serve you? I would love to provide a safe place for you if you are experiencing any stress or lack of control, if you have been exposed to trauma (indoctrination/religious harm or trauma), or if you identify as a part of the LGBTQ+ community. I also would love to work with you and your partner in couples therapy to help you communicate effectively and love more openly through increased vulnerability and healthy boundaries in your relationship.
Accepting Cigna Starting Mid-May! Are you wanting to break free of patterns that no longer serve you? I would love to provide a safe place for you if you are experiencing any stress or lack of control, if you have been exposed to trauma (indoctrination/religious harm or trauma), or if you identify as a part of the LGBTQ+ community. I also would love to work with you and your partner in couples therapy to help you communicate effectively and love more openly through increased vulnerability and healthy boundaries in your relationship.
(480) 771-9351 View (480) 771-9351
Photo of Lisa Lavella, Psychologist in Anthem, AZ
Lisa Lavella
Psychologist, PsyD, BC-TMH
Verified Verified
Scottsdale, AZ 85266
Welcome to EMPOWER YOU EXPERTS! I have over 22 years of diverse experience, and hold Clinical Psychologist Licenses in Arizona and Illinois. My focus is to guide you towards becoming unstuck and creating positive changes in your life, such as alleviating anxiety and depression, reducing stress, restoring love and family relationships, healing past and present wounds, and transforming anger into positive, constructive emotions and actions. I offer a FREE phone consultation prior to your first appointment and a Sliding Fee Scale.
Welcome to EMPOWER YOU EXPERTS! I have over 22 years of diverse experience, and hold Clinical Psychologist Licenses in Arizona and Illinois. My focus is to guide you towards becoming unstuck and creating positive changes in your life, such as alleviating anxiety and depression, reducing stress, restoring love and family relationships, healing past and present wounds, and transforming anger into positive, constructive emotions and actions. I offer a FREE phone consultation prior to your first appointment and a Sliding Fee Scale.
(480) 848-4411 View (480) 848-4411
Photo of Christina Liakopoulos, Clinical Social Work/Therapist in Anthem, AZ
Christina Liakopoulos
Clinical Social Work/Therapist, LCSW, BC-TMH
Verified Verified
Cave Creek, AZ 85331
Welcome to EMPOWER YOU EXPERTS! I have over 22 years of diverse experience, and hold Clinical Social Work Licenses in Arizona, Illinois, and Indiana. My focus is to guide you towards becoming unstuck and creating positive changes in your life, such as alleviating anxiety and depression, reducing stress, restoring love and family relationships, healing past and present wounds, and transforming anger into positive, constructive emotions and actions. I offer a FREE phone consultation prior to your first appointment and a Sliding Fee Scale. In addition, I provide therapy in English and in Greek.
Welcome to EMPOWER YOU EXPERTS! I have over 22 years of diverse experience, and hold Clinical Social Work Licenses in Arizona, Illinois, and Indiana. My focus is to guide you towards becoming unstuck and creating positive changes in your life, such as alleviating anxiety and depression, reducing stress, restoring love and family relationships, healing past and present wounds, and transforming anger into positive, constructive emotions and actions. I offer a FREE phone consultation prior to your first appointment and a Sliding Fee Scale. In addition, I provide therapy in English and in Greek.
(480) 848-4411 View (480) 848-4411
Photo of Georgia A Nelson, Licensed Professional Counselor in Anthem, AZ
Georgia A Nelson
Licensed Professional Counselor, MSEd, LPC, LMHP
Verified Verified
1 Endorsed
Carefree, AZ 85377
My goal is to provide a safe trusting environment to empower & motivate clients to explore issues in their lives that have contributed to the development of maladaptive thinking & behavior patterns. These patterns are often not recognized as problematic and can contribute to making "poor decisions" such as substance abuse, overeating, blaming, relationship problems etc.... By resolving these issues and changing these patterns clients can discover personal growth, happiness & improved satisfaction with their lives.
My goal is to provide a safe trusting environment to empower & motivate clients to explore issues in their lives that have contributed to the development of maladaptive thinking & behavior patterns. These patterns are often not recognized as problematic and can contribute to making "poor decisions" such as substance abuse, overeating, blaming, relationship problems etc.... By resolving these issues and changing these patterns clients can discover personal growth, happiness & improved satisfaction with their lives.
(402) 835-5773 View (402) 835-5773
Photo of Danielle Fragnito, Counselor in Anthem, AZ
Danielle Fragnito
Counselor, LPC
Verified Verified
4 Endorsed
Phoenix, AZ 85085
NOW Accepting adult clients for in-person and telehealth sessions. I have 25+ years of experience providing solution-focused short and long-term therapy. I take an open-minded approach to client wellness and consider the client's family traditions, lifestyle, work-life, cultural and spiritual beliefs. My goal, as a Counselor, is to work together with you to help you reach your desired goal. Please feel free to call me at 602-509-6974 or visit my website. I look forward to hearing from you.
NOW Accepting adult clients for in-person and telehealth sessions. I have 25+ years of experience providing solution-focused short and long-term therapy. I take an open-minded approach to client wellness and consider the client's family traditions, lifestyle, work-life, cultural and spiritual beliefs. My goal, as a Counselor, is to work together with you to help you reach your desired goal. Please feel free to call me at 602-509-6974 or visit my website. I look forward to hearing from you.
(480) 409-2379 View (480) 409-2379
Photo of Alexis Faison, Counselor in Anthem, AZ
Alexis Faison
Counselor, MC, LAC, NCC
Verified Verified
1 Endorsed
Phoenix, AZ 85085  (Online Only)
Not accepting new clients
Welcome! My name is Alexis Faison, and I would love to support you through this season of your life. Are you seeking support as you navigate daily life stressors? Are you ready to change and transform your life? Do you desire to live more authentically? Are you interested in developing coping skills to manage stress/anxiety/depression? If any of this resonates, you’ve come to the right place.
Welcome! My name is Alexis Faison, and I would love to support you through this season of your life. Are you seeking support as you navigate daily life stressors? Are you ready to change and transform your life? Do you desire to live more authentically? Are you interested in developing coping skills to manage stress/anxiety/depression? If any of this resonates, you’ve come to the right place.
(520) 412-2631 View (520) 412-2631

Online Therapists

Photo of Kaylin King, Counselor in Anthem, AZ
Kaylin King
Counselor, LAC
Verified Verified
Scottsdale, AZ 85260
Kaylin approaches counseling with a calm and compassionate demeanor and creates a safe and inclusive environment for healing. She believes in a holistic approach and implements mindfulness, Internal Family Systems Parts work, and Motivational Interviewing to guide people on a healing path. She has experience working with individuals with depression, anxiety, trauma, grief, and loss. Kaylin also has experience working specifically with women through infertility journeys and through hormonal irregularities causing issues with relationships, work, and mood disorders. Kaylin is an ally of the LGBTQIA+ community.
Kaylin approaches counseling with a calm and compassionate demeanor and creates a safe and inclusive environment for healing. She believes in a holistic approach and implements mindfulness, Internal Family Systems Parts work, and Motivational Interviewing to guide people on a healing path. She has experience working with individuals with depression, anxiety, trauma, grief, and loss. Kaylin also has experience working specifically with women through infertility journeys and through hormonal irregularities causing issues with relationships, work, and mood disorders. Kaylin is an ally of the LGBTQIA+ community.
(480) 531-8192 View (480) 531-8192
Photo of Kimberly Kriesel, Licensed Professional Counselor in Anthem, AZ
Kimberly Kriesel
Licensed Professional Counselor, LPC, PMH-C
Verified Verified
2 Endorsed
Chandler, AZ 85248
Although Kim and her husband are now parents to two healthy young children, the couple struggled with infertility and had devastating losses along the way.
Kim Kriesel is passionate about helping women and their partners to and through motherhood. No two women will experience the road to motherhood in the same way and sometimes becoming a mom is not the experience we had anticipated for most of our lives. For 1 in 11 women (couples), infertility and recurrent pregnancy loss are a devastating reality they never dreamed would touch their lives. Reaching out for support is a great choice during this difficult time.
Although Kim and her husband are now parents to two healthy young children, the couple struggled with infertility and had devastating losses along the way.
Kim Kriesel is passionate about helping women and their partners to and through motherhood. No two women will experience the road to motherhood in the same way and sometimes becoming a mom is not the experience we had anticipated for most of our lives. For 1 in 11 women (couples), infertility and recurrent pregnancy loss are a devastating reality they never dreamed would touch their lives. Reaching out for support is a great choice during this difficult time.
(480) 428-3868 View (480) 428-3868
Photo of Christopher Schmelzle, Psychologist in Anthem, AZ
Christopher Schmelzle
Psychologist, PhD
Verified Verified
Flagstaff, AZ 86004  (Online Only)
My particular areas of interest are in the treatment of depression, anxiety, relationship struggles, and challenges with infertility and infertility treatment.
I am a Licensed Clinical Psychologist with over 10 years of experience in mental health. I have worked and trained in a wide variety of professional settings including private practice, outpatient and inpatient treatment facilities (UCSD's Co-Occurring Disorders Clinic and the Community Research Foundation), college counseling centers, and post-doctoral studies at the San Diego Psychoanalytic Center where I have received advanced training in psychodynamic psychotherapy. I have a doctorate in clinical psychology from the California School of Professional Psychology. Also, I am licensed in Arizona and California.
My particular areas of interest are in the treatment of depression, anxiety, relationship struggles, and challenges with infertility and infertility treatment.
I am a Licensed Clinical Psychologist with over 10 years of experience in mental health. I have worked and trained in a wide variety of professional settings including private practice, outpatient and inpatient treatment facilities (UCSD's Co-Occurring Disorders Clinic and the Community Research Foundation), college counseling centers, and post-doctoral studies at the San Diego Psychoanalytic Center where I have received advanced training in psychodynamic psychotherapy. I have a doctorate in clinical psychology from the California School of Professional Psychology. Also, I am licensed in Arizona and California.
(619) 473-2578 View (619) 473-2578
Photo of Leslie Pappin, Marriage & Family Therapist in Anthem, AZ
Leslie Pappin
Marriage & Family Therapist, MA, LMFT
Verified Verified
Surprise, AZ 85374
An area of personal interest is working with women struggling with infertility (and related issues).
Life is full of challenges. I'm a firm believer in the benefits of unbiased support during difficult periods in our lives. Please allow me to be the person to offer you the help and support that you deserve. In my ten plus years as a therapist, I have worked with people of all ages and walks of life to help address depression, anxiety, loss, anger and relationship issues. I enjoy helping others to improve their current situation by offering a warm, safe and reliable therapeutic environment.
An area of personal interest is working with women struggling with infertility (and related issues).
Life is full of challenges. I'm a firm believer in the benefits of unbiased support during difficult periods in our lives. Please allow me to be the person to offer you the help and support that you deserve. In my ten plus years as a therapist, I have worked with people of all ages and walks of life to help address depression, anxiety, loss, anger and relationship issues. I enjoy helping others to improve their current situation by offering a warm, safe and reliable therapeutic environment.
(480) 418-3213 View (480) 418-3213
Photo of Lynn M Meyer, Licensed Professional Counselor in Anthem, AZ
Lynn M Meyer
Licensed Professional Counselor, MC, LPC, NCC
Verified Verified
Phoenix, AZ 85050
You've been coping with life, but have hit a few road bumps on the journey in life or maybe you are grappling with some ongoing issues that you want to move past. I believe I can assist you in making some changes from minor life adjustments to major transformations. I have 33 years of experience in counseling people from ages 15 to 79 who have a variety of issues. Additionally, I've been a school counselor and provided individual and group therapy at a psychiatric hospital. I have extensive knowledge of eating disorders, psychiatric medications, addictions, grief/loss, relationship dynamics, LGBTQ issues, infertility and disability.
You've been coping with life, but have hit a few road bumps on the journey in life or maybe you are grappling with some ongoing issues that you want to move past. I believe I can assist you in making some changes from minor life adjustments to major transformations. I have 33 years of experience in counseling people from ages 15 to 79 who have a variety of issues. Additionally, I've been a school counselor and provided individual and group therapy at a psychiatric hospital. I have extensive knowledge of eating disorders, psychiatric medications, addictions, grief/loss, relationship dynamics, LGBTQ issues, infertility and disability.
(602) 459-9774 View (602) 459-9774
Photo of Katina M Walker, Marriage & Family Therapist in Anthem, AZ
Katina M Walker
Marriage & Family Therapist, LMFT
Verified Verified
6 Endorsed
Gilbert, AZ 85296  (Online Only)
I work with individuals experiencing anxiety and those navigating their fertility journey, including infertility, prenatal and postpartum experiences, as well as healing from trauma and PTSD. These journeys can often be emotionally messy and complex, with their own unique moments of joy and grief. Our work together will focus on understanding where you currently are in your journey, where you are headed, and the bumps that happen along the way.
I work with individuals experiencing anxiety and those navigating their fertility journey, including infertility, prenatal and postpartum experiences, as well as healing from trauma and PTSD. These journeys can often be emotionally messy and complex, with their own unique moments of joy and grief. Our work together will focus on understanding where you currently are in your journey, where you are headed, and the bumps that happen along the way.
(480) 376-7638 View (480) 376-7638
Photo of Meggan Sullivan, Clinical Social Work/Therapist in Anthem, AZ
Meggan Sullivan
Clinical Social Work/Therapist, LCSW
Verified Verified
Tempe, AZ 85284  (Online Only)
I specialize in trauma, codependency, postpartum mood and anxiety disorders, infertility, pregnancy losses, grief and loss, chronic health issues, caregiver challenges and burnout, depression, anxiety, obsessive compulsive disorder and bipolar disorder.
Do you want more out of your life? Are you ready to explore the various possibilities so you can experience and live the best version of yourself? Whether you are new or returning to therapy, I commit to supporting and encouraging your holistic change and growth. I am a Licensed Clinical Social Worker with over15 years experience in various clinical settings. As we work together you will experience a supportive, nurturing, non-judgmental environment.
I specialize in trauma, codependency, postpartum mood and anxiety disorders, infertility, pregnancy losses, grief and loss, chronic health issues, caregiver challenges and burnout, depression, anxiety, obsessive compulsive disorder and bipolar disorder.
Do you want more out of your life? Are you ready to explore the various possibilities so you can experience and live the best version of yourself? Whether you are new or returning to therapy, I commit to supporting and encouraging your holistic change and growth. I am a Licensed Clinical Social Worker with over15 years experience in various clinical settings. As we work together you will experience a supportive, nurturing, non-judgmental environment.
(520) 492-0297 View (520) 492-0297
Photo of Roberta Jane Zatkowsky, Licensed Professional Counselor in Anthem, AZ
Roberta Jane Zatkowsky
Licensed Professional Counselor, LPC, MSc, MS, NCC
Verified Verified
1 Endorsed
Scottsdale, AZ 85259
I treat OCD, Trichotillomania (hair-pulling), & Dermatillomania (skin-picking) using Exposure Response Prevention, ComB, HRT, & ACT. Treat past and present TRAUMA using EMDR. I have experience in individual and group therapy with children, adolescents, adults, couples, & families suffering from depression, anxiety, & bipolar disorder. I treat children and adolescents' behavioral problems such as aggression, anger, rebellion, poor academic performance, criminal problems, and sexual abuse. I have worked with adults suffering from sexual compulsivity and addiction, and educate adults on parenting skills and communication skills. I work with couples going through infertility, adoption, and relationship issues.
I treat OCD, Trichotillomania (hair-pulling), & Dermatillomania (skin-picking) using Exposure Response Prevention, ComB, HRT, & ACT. Treat past and present TRAUMA using EMDR. I have experience in individual and group therapy with children, adolescents, adults, couples, & families suffering from depression, anxiety, & bipolar disorder. I treat children and adolescents' behavioral problems such as aggression, anger, rebellion, poor academic performance, criminal problems, and sexual abuse. I have worked with adults suffering from sexual compulsivity and addiction, and educate adults on parenting skills and communication skills. I work with couples going through infertility, adoption, and relationship issues.
(480) 405-7596 View (480) 405-7596
Photo of Keri Sipek, Marriage & Family Therapist Associate in Anthem, AZ
Keri Sipek
Marriage & Family Therapist Associate, LAMFT, PMH-C
Verified Verified
1 Endorsed
Tempe, AZ 85284
Now offering daytime & evening appointments. Reaching out for help can be difficult & takes courage. I’m here to offer a safe space & provide support while you explore your issues. From there, you can begin to heal & create positive change in your life & relationships. My experience includes working with couples, & individual adults who have struggled with infidelity, relationship strain, sexual issues, parenting, depression, anxiety, & more. In addition, I work with women & couples struggling with infertility, postpartum anxiety, postpartum depression, traumatic birth recovery, & adjustment to parenthood.
Now offering daytime & evening appointments. Reaching out for help can be difficult & takes courage. I’m here to offer a safe space & provide support while you explore your issues. From there, you can begin to heal & create positive change in your life & relationships. My experience includes working with couples, & individual adults who have struggled with infidelity, relationship strain, sexual issues, parenting, depression, anxiety, & more. In addition, I work with women & couples struggling with infertility, postpartum anxiety, postpartum depression, traumatic birth recovery, & adjustment to parenthood.
(520) 346-3402 View (520) 346-3402
Photo of Rebecca Bermudez, Clinical Social Work/Therapist in Anthem, AZ
Rebecca Bermudez
Clinical Social Work/Therapist, LCSW
Verified Verified
1 Endorsed
Gilbert, AZ 85233
Currently Accepting new clients- I have a passion for helping people work through life’s challenges. It is my belief that our physical and mental health are improved when we have close, healthy, and supportive relationships in our lives. I love to laugh and feel humor is a great tool to deal with life's challenges. I genuinely enjoy connecting with people and feel honored to walk along them in their process of transforming their challenges into resilience.
Currently Accepting new clients- I have a passion for helping people work through life’s challenges. It is my belief that our physical and mental health are improved when we have close, healthy, and supportive relationships in our lives. I love to laugh and feel humor is a great tool to deal with life's challenges. I genuinely enjoy connecting with people and feel honored to walk along them in their process of transforming their challenges into resilience.
(602) 714-1472 View (602) 714-1472
Photo of Christina M. Pence, Licensed Professional Counselor in Anthem, AZ
Christina M. Pence
Licensed Professional Counselor, LPC
Verified Verified
1 Endorsed
Glendale, AZ 85308
I am a Licensed Professional Counselor here to help you overcome the many stressors and life events that seem to impact our lives. I understand it can be difficult and overwhelming to manage on your own. Sometimes all you need is an outside perspective, or help to manage anxieties or depression; and sometimes you know it is rooted deeper from your past. Either way, I can help you overcome the many hurdles life throws at us that often leave us feeling broken.
I am a Licensed Professional Counselor here to help you overcome the many stressors and life events that seem to impact our lives. I understand it can be difficult and overwhelming to manage on your own. Sometimes all you need is an outside perspective, or help to manage anxieties or depression; and sometimes you know it is rooted deeper from your past. Either way, I can help you overcome the many hurdles life throws at us that often leave us feeling broken.
(623) 745-8689 View (623) 745-8689
Photo of Laura Tyndall, Clinical Social Work/Therapist in Anthem, AZ
Laura Tyndall
Clinical Social Work/Therapist, LCSW, MEd, RN
Verified Verified
Phoenix, AZ 85051
In-person available! Choosing to pursue therapy can be scary, but I want to congratulate you on taking the first step toward a better life! I believe you are the expert of your own life, and I am a skilled and competent coach committed to help you reach your full potential. Whether it be anxiety, depression, life changes, or general support, I have handled many challenging cases and I know we will tackle yours too. I am very attuned to your needs and goals and we will work on making YOU a priority. As a nurse (RN) and therapist, I use holistic approaches. I am also pursuing my doctorate towards psychiatric nurse practitioner.
In-person available! Choosing to pursue therapy can be scary, but I want to congratulate you on taking the first step toward a better life! I believe you are the expert of your own life, and I am a skilled and competent coach committed to help you reach your full potential. Whether it be anxiety, depression, life changes, or general support, I have handled many challenging cases and I know we will tackle yours too. I am very attuned to your needs and goals and we will work on making YOU a priority. As a nurse (RN) and therapist, I use holistic approaches. I am also pursuing my doctorate towards psychiatric nurse practitioner.
(623) 400-6625 View (623) 400-6625
Infertility Therapists

How can infertility affect couples and their relationship?

Clients who are dealing with infertility may experience conflict and communication problems. It’s not unusual for shame, blame, and guilt to arise in cases of infertility, whether the source of the problem is one partner or both. This means that clients are upset and pulling away from their partner just when they need them the most. Some clients may find it difficult to spend time around friends and family who are pregnant. Friends and family can also make hurtful comments that increase tension during this time.

How does therapy for infertility issues work?

The therapist will begin by gathering information about the client or couple and make a treatment plan for their specific concerns. In addition to addressing common mental health issues, such as anxiety, depression, and trauma reactions or PTSD, therapists can help clients improve their decision-making and deal with stressors unique to infertility. Some examples include coping with the “two-week wait” before a pregnancy test, the distress associated with a failed attempt or miscarriage, and the shame and blame sometimes associated with reproductive concerns.

What type of therapy is best for infertility issues?

Many therapists offer psychotherapy for individuals and couples who are dealing with infertility issues. Some helpful therapeutic approaches include cognitive behavioral therapy (CBT), which can aid clients in reframing negative thoughts about their situation. Expressive writing and art therapy can help clients process difficult feelings. Clients might also benefit from group therapy to experience support from others who are dealing with the same problems.

How long does therapy for infertility issues take?

There is no set length for therapy that addresses infertility or reproductive concerns. Some clients might find it helpful to continue therapy during their pregnancy to have healthy ways to cope with any associated stress, anxiety, depression, or trauma. Some clients who decide not to pursue fertility treatments might benefit from the support of a therapist. The duration of therapy varies depending on the individual client’s specific needs and goals.