Client Services Program
Financial clarity,
every quarter.
Practical guidance, real accountability, and a financial planner in your corner — without the price tag of traditional wealth management.
The Problem
Most people are winging it.
And they know it.
A budgeting app won't tell you if your insurance coverage has gaps. A robo-advisor won't notice you're behind on your emergency fund. And a spreadsheet can't hold you accountable.
"I know I should be doing more, but I don't know what."
You're earning money, paying bills, maybe saving something — but you don't have a clear picture of whether you're actually on track. That's not a discipline problem. It's a guidance problem.
"A financial planner seems expensive and complicated."
Traditional CFPs cost $2,000–$10,000 a year. Most have high minimums. The Financial Clarity Program is built specifically for people who want real guidance without the retainer.
What's Included
Everything that matters, every quarter.
Each 60–90 minute session covers your full financial picture — not just one piece of it.
Net Worth Snapshot
Assets vs. liabilities trend review so you can see your progress over time.
Cash Flow Analysis
Income, spending patterns, and savings rate — where your money is actually going.
Goal Progress Review
Emergency fund, home purchase, retirement, and more — are you on track?
Debt Balance Tracking
Progress on payoff plans and interest review to accelerate your timeline.
Tax Planning Reminders
Estimated payments, Roth contributions, and year-end moves — nothing missed.
Investment Allocation Check
Risk tolerance alignment and rebalancing signals reviewed each quarter.
Insurance Coverage Check
Life, disability, umbrella — still adequate for where you are today?
Life Event Planning
Job changes, home purchases, new family members, inheritance — we plan for it.
Action Item Accountability
Written summary + follow-up on last quarter's commitments. No loose ends.
Behavioral Coaching
Market anxiety, spending habits, and mindset — the human side of money.
Annual Financial Plan Refresh
Once per year, one quarterly session expands into a full annual plan review — so your roadmap stays current, not last year's assumptions.
How It Works
A rhythm that keeps you on track.
Four times a year, you follow a simple 6-week engagement cycle. In between, you stay self-guided in Monarch.
Weeks 1–2
Data Prep
You review your Monarch dashboard, flag updates, and note any new goals or changes.
Weeks 3–4
Consultation
60–90 minute session via video, phone, or in-person. We dig into your numbers together.
Weeks 5–6
Follow-Up
Written summary and clear action items delivered. You know exactly what to do next.
Off-Quarter
Self-Guided
You track progress in Monarch independently. Your planner checks in as needed.
How We Compare
Expert guidance doesn't have to cost a fortune.
Most options give you either no human guidance or a bill that doesn't fit. This program is built for the gap.
| Option | Annual Cost | Human Guidance | Personalized Plan |
|---|---|---|---|
| DIY Budgeting App | $0–$200 | — None | — No |
| Robo-Advisor (0.25% AUM) | ~$250 on $100k | — Minimal | — No |
| Black Hills Financial Planning | ~$396/year | ✓ Quarterly | ✓ Yes |
| Financial Coach (Monthly) | $1,200–$3,600 | ✓ Monthly | Sometimes |
| Traditional CFP | $2,000–$10,000 | ✓ Ongoing | ✓ Yes |
Who This Is For
You don't need a large portfolio to deserve a plan.
The Financial Clarity Program is the right fit if any of these sound familiar:
- You're paying off debt and want a strategy, not just a payment schedule
- You're building an emergency fund but aren't sure how much is "enough"
- You're saving for a home purchase and want to get the timing right
- You recently changed jobs or got a raise and want to make smart moves
- You have life insurance but haven't reviewed it in years
- You're maxing a 401(k) but wondering if you're missing anything else
- You want someone to check your blind spots, not sell you products
- You're just getting started and want to build strong habits from the beginning
Get Started
Ready to get clarity?
Let's talk about whether this program is the right fit. No pressure, no pitch — just a conversation.