Clarity Hour
Need quick answers to a pressing financial question? This focused one-hour session provides you with clear guidance and actionable insights to address your specific concern.
I’ll send you a short survey and data gathering template to be completed before our meeting (if possible). Otherwise, just show up with your questions! I’ll be all ears during our time together and will send a follow up email with notes and any action items from our call.
Not sure if this is right for you? Feel free to schedule a free 20 min introduction call first.
The Cents of Joy Clarity Hour
what you get
A one hour meeting with me to discuss a pressing financial need, specific question, or even just feedback from a thought-partner.
how it works
I’ll send you a short survey and data gathering template to be completed before our meeting (if possible). Otherwise, just show up with your questions! I’ll be all ears during our time together and will send a follow up email with notes and any action items from our call.
what it costs
Offered at $100, $200, or $300. You choose what works for you. No questions asked.
Questions we can answer:
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“Can you help me understand my paycheck?"
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“How do I get started investing?”
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“I was just gifted or inherited a lot of money. What do I do?”
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“I just started a business. How much should I have in my emergency fund?”
Is the Clarity Hour Right for You?
The Clarity Hour is designed to give you immediate momentum. Because an hour goes by fast, it’s important to understand the limits and expectations of our time together.
What We Can Accomplish
Strategic "Gut Checks": Get a second set of eyes on a specific financial crossroads (e.g., "Should I prioritize my student loans or my Roth IRA?").
Financial Education: Demystifying how accounts work (401ks, HSAs, IRAs) and how to read your statements.
Systems & Automation: Mapping out a "Spending System" or screen-sharing to help you physically set up an account or an automated transfer.
The "Where do I start?" List: If you’re overwhelmed, we will spend the hour triaging your to-do list so you know exactly what to tackle first.
What We Cannot Accomplish
Specific Investment Advice: We can discuss investment concepts (asset allocation, risk, fees), but I do not provide specific "Buy/Sell" recommendations or manage your portfolio during this hour.
Big Questions: Answering "Am I on track to retire at 55?" or similar questions require a much more in depth understanding of you, your goals, and your financial life. That type of work is better suited for a Financial Blueprint or custom scope project.
Ongoing Relationship: The Clarity Hour is designed as a standalone session. It does not establish an ongoing relationship. If you’d like some sort of ongoing relationship, a Blueprint or a custom scope project is likely a better place for us to start working together. If you aren’t sure, I’ll be happy to discuss what that looks like in our call or you can schedule a free intro call here first.
Clarity Hour FAQs
How do I know if my quick question is more complicated?
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That’s a really great question and I’m working on a longer blog post about this. First, my goal is never to avoid giving you a clear answer; rather, I care a lot about how my advice impacts your financial future. Every financial decision and recommendation has a ripple effect. For example: Deciding whether or not to aggressively pay off a mortgage feels like a simple question, but that choice also impacts your cash liquidity, your taxes, and the opportunity cost of where that money could go instead. To really answer that question, I need to know your goals, what it costs to run your life, your income, tax situation… the list goes on.
Giving a definitive answer without understanding the big picture would be irresponsible. However, what I can do in an hour is provide you with aframework for thinking about the question, share what’s helped people in the past, and ask you some juicy questions to help you understand the trade offs with more confidence.
If your situation involves complex layers, I will be honest if we need to move into a deeper planning relationship to give you the responsible, accurate answer you deserve.
Can I book these more than once?
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The Clarity Hour is designed as a standalone session, not an ongoing relationship. I firmly believe that I do my best work for clients when we’ve developed an authentic connection and a solid financial foundation first. This is why my ideal way to start working with someone is through The Blueprint. Having that deeper context allows me to be the best possible advisor for you. However, I recognize that a full Blueprint isn't always necessary for every situation. In those cases, I can put together a custom-scoped project. This allows us to balance the minimal baseline of information I need to be responsible with the specific help you need, ensuring you walk away feeling truly better about your financial life and setting a solid foundation for ongoing work together.
What if we don't finish everything?
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If we realize your needs are more complex than 60 minutes allows, we can use the final minutes of our call to discuss how to bridge you into a more comprehensive planning engagement.
Will I get a full written plan?
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You’ll receive a follow-up email with our session notes, specific action items, and any resources we discussed. However, a Clarity Hour does not include a formal, multi-page financial plan document.