Our Services
You didn’t come this far to stop
The 60-Day Financial Reset
Most financial professionals want to manage your investments or sell you products. Not me. I charge one flat fee, look at your complete financial picture, and build you a personalized plan that fits your actual life: your income, your goals, your values, your debt, your dreams. No commissions. No surprises. Here is exactly what that looks like:
Step Three: The Deep Dive ~60 Minutes
This is our first real working session. I will have already reviewed your Monarch data and questionnaire before we meet, so we can spend this time going deeper into your goals, your financial story, and what success looks like for you. I ask questions and listen more than I talk. Everything I learn in this session shapes the plan I build for you. A plan that not only moves you in the right direction financially, but also reflects your unique goals and values.
Step Five: The Plan Reveal ~60 Minutes
This is what you paid for. We walk through every section of your plan together, including: 3 months of historical income and expenses, a current net worth snapshot, a cash flow plan with identified automation opportunities, a goals review and estimated timeline, and formal recommendations for reaching your financial goals.
I explain each recommendation, the reasoning behind it, and what implementing it will look like in practice. You ask questions. We adjust anything that does not fit. You leave this meeting with a plan that is genuinely yours: not a generic template, but one built around your specific numbers, with personalized goals, created intentionally for your life.
Step One: Clarity Call ~30-60 Minutes
This is where we start. You share about yourself, your finances, and what you would most like to change. I explain the process and answer any questions you have. By the end of our time, we will both know whether this is the right fit. If it is not, I will tell you honestly and point you toward something that might serve you better.
There is nothing to prepare. No documents to gather. No commitment of any kind. Just a conversation.
Step Two: Onboarding ~20 Minutes
Once you decide to move forward, you will sign a short client agreement, set up a Monarch Money account using my referral link, and complete a detailed intake questionnaire that covers all aspects of your finances, goals, and values.
Monarch connects all of your financial accounts in one place, so I can see your complete financial picture without you having to collect paperwork, send statements, or do most of the work that traditional advisors require of you.
I'll review everything before our next meeting and come with specific questions to fill in any gaps in the information needed to make your plan and customize your budget.
This is where I go to work. Using everything I learned in our sessions, the Monarch data, and the intake you provide, I will build your complete financial plan. This includes a personalized cash flow plan, a paycheck allocation framework so you know exactly where every dollar goes, a prioritized debt payoff strategy with a specific timeline, a savings plan with monthly contribution targets for every goal that matters to you, a net worth snapshot as your starting baseline, a giving plan if generosity is a priority for you, and referrals to other professionals for anything outside my scope.
You do not need to do anything during this phase. I will reach out if I have a clarifying question.
Step Four: Plan Building ~A Week to Ten Days
The Process:
Step Six: Email Support ~30 Days
Your 30-day support window begins the day of your Plan Reveal. During this time, you have direct email access to me for any questions that come up as you implement the plan. I aim to answer all questions within 1 business day.
Total Cost: $996
Payable in 3 Payments of $332 per Month
Ongoing Support: Retainer Option
What Is Included:
One live session per month: a real, face-to-face or virtual conversation building on your 60-Day Financial Reset
Quarterly Monarch Money reviews: A deep look at your budget and net worth every three months so you can see how far you have come and where to focus next.
Written follow-up after every session: A summary of what we covered, decisions made, and your specific action items, sent to you the same day.
Text and call support between sessions: Direct access to my phone for when life throws you a curveball and you need someone in your corner.
The retainer option is available exclusively to graduates of the 60-Day Financial Reset, and only within 90 days of completing the program. If you are interested, book your free 30-minute initial consultation to learn more and see if we would be a good fit.
Cost: $297 Per Month
Cancel Anytime
Getting a financial plan is one thing. Living it out through a job change, an unexpected expense, a raise you are not sure what to do with, that is where most plans fail. The Monthly Retainer option exists for clients who want ongoing guidance, implementation help, and accountability.
A La Carte Services
Not Sure Where To Start? Let's Build Something Custom
Examples of what this might look like:
A one-time session to work through a major purchase decision like a home, a car, or starting a business.
A standalone debt payoff strategy if that is your only pressing concern.
A single session to set up your paycheck allocation system and Monarch Money.
A net worth snapshot and goal-setting conversation to get your bearings.
Help preparing financially for a major life transition like a new baby, a move, or a job change.
The best way to find out if this is the right fit is a free 30-minute conversation. We will talk through what you are dealing with, what kind of help would be most useful, and what a fair price for that work looks like. No commitment required.
Prices Based On Scope of Services
The 60-Day Financial Reset is the right fit for most people, but not everyone needs a complete financial overhaul. Sometimes you just need focused help with one specific area of your financial life. If your situation calls for something more targeted, I offer à la carte coaching sessions and standalone services priced based on your specific needs. Whether you are working through a major financial decision, need help setting up a single system, or want a one-time review of a specific part of your finances, we can build something that fits.
Get in Touch
Reach out for a free 30-minute consultation or for questions about financial literacy workshops
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Email: jack@clemansfinancial.com
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Clemans Financial is a financial coaching practice owned and operated by Jack Clemans, CFP®. Clemans Financial is not a Registered Investment Advisor (RIA) and does not provide investment advice, manage investment accounts, or recommend specific securities. Clemans Financial does not provide tax advice, tax preparation services, insurance recommendations, or legal advice. Clients should consult with a qualified investment advisor, certified public accountant, licensed insurance professional, or attorney for guidance in those areas.
The information and recommendations provided through Clemans Financial's coaching services are educational and informational in nature and are based on the information provided by the client. Individual results vary, and past client experiences do not guarantee similar outcomes for future clients.
"CFP®" and "Certified Financial Planner™" are certification marks owned by the Certified Financial Planner Board of Standards, Inc., and are awarded to individuals who meet the CFP Board's education, examination, experience, and ethics requirements.