Hello John Watkis,
I agree with your idea to refer her to someone in her area, good idea.
I do not design a program for someone until I have met with them a few times to make sure everything is just right for them.
Therefore, I charge for the time I spend with them. The program design is above and beyond since it takes much time and care that I am not getting compensated for.
You have made a desirable decision for all involved.