Our Services
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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. 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:
Some clients find that ongoing accountability and planning support make the difference between a plan that works for a month and one that becomes a permanent part of their lives. If that sounds like you, I offer a monthly retainer that includes monthly meetings, quarterly Monarch account and budget reviews, and continued email support. This is not something I offer to every client, as for some, the 60-day reset itself will be sufficient. However, I believe many people would genuinely benefit from the ongoing implementation help and support. If you are curious, we can talk about it during your Plan Reveal.
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.
Optional: Ongoing Support Ongoing
Total Cost: $996
Payable in 3 Payments of $332 per Month
Manual Budgeting Templates
For those looking to DIY their personal finances, but don't have dozens of hours to program their own spreadsheet. Powered by Google Sheets.
Budget for the future, get powerful insights into your income and expenses, and finally take control of your financial life across a full year of your spending.
FREE Monthly Budgeting Template
Track your day-to-day expenses and get insights on your spending across the month. Like washing your car, personally tracking your income and expenses lets you know the real texture of your financial life.
Annual Budgeting Template $12
Monarch Money
Monarch Money is the industry-leading automated budgeting software. Monarch Money powers our 60-Day Financial Reset, and if you want to DIY your budget but don't want to manually enter all of your transactions, there is no better budgeting software than Monarch.
Get 50% Off Your First Year: Just $50 for the Year!
Do NOT buy a Monarch Money Membership here if you are considering a 60-Day Financial Reset, as your 1st Year of Monarch Money would be included in your purchase of the 60-Day Reset. Thank You!
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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.