Better Decisions, Better Outcomes

Health & Wellness

Financial Strategy

The Broader Mission

Dr. Charley is the brand behind CT & Co. Consulting and The Credit Card Game: How to turn your credit card into an asset and not a liability, with Financial Soft-Life and ESV Tea reflecting a broader mission of wellness, strategy, and intentional living.

Her work sits at the intersection of health, personal finance, and practical systems, helping people make better decisions and build better outcomes.

At the center of it all is one idea: thoughtful systems can change the way we live.

The Full Circle Prescription

  • CT & Co. Consulting

    CT & Co. Consulting

    Licensed Clinical Pharmacist Led consulting focused on medication management, facility compliance, and better patient outcomes.

    WORK WITH ME
  • The Credit Card Game Book By Dr. Charley

    The Credit Card Game

    How To Turn Your Credit Card into an asset and not a liability.

    GET THE BOOK
  • Financial Soft-Life Philosophy

    The Financial Soft-Life

    Philosophy aligning mindset, wellness, and financial strategy to create ease and intentional living.

    LEARN MORE
  • ESV Tea

    ESV Tea

    Pharmacist-crafted wellness organic tea blends for your everyday ritual

    SHOP NOW
  • Community Outreach

    Community Outreach

    Health screenings and education that support underserved communities.

    LEARN MORE
A black and white photo of people at an outdoor event. A woman in a white coat with 'Dr. Charley' embroidered on it is smiling and engaging with seated individuals, while a man wearing a black hoodie with a Nike logo observes. Other people are in the background, including a man in a hoodie and a person with a white hoodie, near parked cars.
Six people standing outdoors in front of cars, smiling at the camera, dressed in casual and winter clothing.

“Health is the foundation of life, and when I show up in the community, I want people to feel cared for, seen, and supported.”

- Dr. Charley Thomas

A woman wearing a white coat with 'Dr. Charley' embroidered on it, black gloves, and a head covering, is engaged in a task outdoors. In the background, a man wearing a hoodie is visible, with several blurred vehicles and buildings around them.
Dr. Charley
Dr. Charley

Wealth as a Vital Sign

The financial symptoms of a systemic money crisis across America

67%

Live Paycheck-to-Paycheck

60%

Feel Actively Uncomfortable with their savings levels

43%

Lack a $1,000 Emergency Fund

$1.28 T

Total Consumer Credit Card Debt

The Prescription for Financial Health

Don’t Just Monitor your Vital Signs. Stabilize Them

A book titled 'The Credit Card Game' by Dr. Charley Thoms with a cover image of a blue puzzle piece credit card.

RX: THE CREDIT CARD GAME

SIG: How to Turn Your Credit Card into an Asset and not a Liability

DISPENSE: A 12-chapter guide that helps you think differently about credit cards during a time of inflation and financial stress. Instead of using credit as a desperate backup plan for emergencies, this playbook reveals how to use the right card for your personal spending, build a real emergency fund, and leverage credit strategically to create true opportunities for wealth.

Buy on Amazon

The Proof in the Prescription

5 Star Reviews from Amazon Customers

Your Detailed Playbook for Credit Success

"The book provides an in-depth explanation of the credit card game! The thoughtful questions encourage you to view credit as an asset rather than a liability. The book's quality is excellent, and it is easy to read."

— KT. DT., Verified Amazon Purchase

Level up your financial mindset!

"This book is an absolute gem. Dr. Charley provides great insight and examples for easy application with execution. Dr. Thomas is a great ambassador for financial literacy among all ages and cultures."

— Julee, Verified Amazon Purchase

Excellent Credit Learning Tool!

"Must read!! Very useful tools and guidance."

— JEd., Verified Amazon Purchase