This chapter provides guidance on effective goal-setting strategies for improving client outcomes within the financial domain of behavioral health. Drawing upon theory around financial efficacy, behavioral change science, and stress and resilience frameworks, approaches to help clients establish and achieve meaningful money-related goals and behavioral outcomes are presented. The approach is universally appropriate across all helping professions, though it should be adapted for specific professional contexts and whether clients are seen once or over extended periods. Central to the activity is an enhanced SMART goals framework (Specific, Measurable, Action-oriented, Accountable, Realistic, Relevant, Time-bound), which integrates psychological insights about motivation, efficacy, and behavior change with practical financial management and planning strategies. The chapter shows how effective goal-setting addresses all components of financial health: reducing financial precarity through concrete action plans, building financial efficacy through achievable milestones and success experiences, and enhancing financial well-being through alignment with personal values and life priorities. Through case examples and practical tools, helping professionals learn to facilitate goal-setting conversations that acknowledge psychological barriers while building client confidence and competence. The chapter emphasizes that sustainable financial behavior change requires addressing both technical financial concerns and underlying emotional dimensions, providing frameworks for professionals to support clients across diverse financial challenges and life circumstances.