Clarity Financial Coaching

Words in [brackets] are blanks you fill in with your own details when you adopt this sample in Supreme Plan AI.

Executive Summary

Clarity Financial Coaching is a financial coaching practice in Atlanta, Georgia, owned by Tanya Brooks. We help individuals, couples and employers build budgets, pay down debt and save, through coaching packages, monthly memberships and workshops.

Why this fits. Many people feel anxious about money and do not know where to start, and employers are adding financial wellness benefits. An independent, accredited coach who sells no products can build trust and steady referrals.

Here is what our numbers show. In Year 1 we plan about 80 coaching packages, 480 membership months and 20 workshops. That brings in sales of $121,600, growing to $349,200 by Year 5. We expect a profit of about $32,200 in Year 1, a profit of about $13,900 in Year 2, a profit of about $23,200 in Year 3 and a profit of about $79,000 by Year 5. My own pay, marketing and insurance are our largest costs, and the plan counts all of them.

We need $36,000 in total. Of that, $15,500 is startup costs (a laptop and camera, a headset, office setup, licensing and insurance, branding and a website, coaching software and launch marketing), and the rest is cash for the first months. I am putting in $6,000 of my own savings and asking for a $30,000 SBA 7(a) loan.

I am Tanya Brooks, owner of Clarity Financial Coaching. These numbers are estimates based on the assumptions listed at the end of this plan, not promises.

Company Description

Clarity Financial Coaching will be a limited liability company (LLC) in Atlanta, Georgia, owned and run by Tanya Brooks. Tanya is an accredited financial counselor who has helped hundreds of people build budgets, pay down debt and save. She runs the practice herself and brings in an associate coach as it grows.

What we do:
- One-on-one coaching packages for budgeting, debt and savings.
- Monthly coaching memberships with check-ins.
- Workshops for employers, churches and community groups.
- Homebuyer readiness and credit improvement coaching.
- Couples money coaching.

Who we serve: Working adults, couples, young professionals and employers in the Atlanta area who want help with everyday money decisions.

Licensing and insurance. I will register the LLC, carry professional liability insurance, hold my counselor accreditation and be clear that coaching is education and not investment advice or tax or legal advice. I do not sell financial products and I refer clients to licensed professionals when they need them.

Our promise. Clear, judgment-free help that turns a money plan into steady habits.

Where things stand today. The business plan, price sheet and workshop outline are written. The next steps are the insurance, the website and the first clients.

Problem & Opportunity

Many people feel anxious about money and do not know where to start, and free advice online is confusing and conflicting.

What customers run into:
1. Debt that keeps growing.
2. No budget and no savings cushion.
3. Confusing credit scores and reports.
4. Couples who disagree about money.

Why it matters. Money stress affects health, relationships and work, and small steady changes add up over time.

Products & Services

Clarity will be the practice Atlanta families trust to make money feel manageable.

What makes us different:
1. A certified, accredited counselor.
2. A simple plan and weekly steps.
3. No selling of financial products.
4. Flexible online and in-person sessions.
5. Group workshops for employers and communities.

How coaching works:
1. The client books a free intro call and shares goals.
2. We review income, spending, debt and credit and build a plan.
3. The client meets with me regularly and uses the budget and tracking tools.
4. We review progress and adjust the plan.

Why customers stay. Clients continue with monthly check-ins and refer friends and coworkers.

Market Analysis

Who we serve:
- Working adults with debt or low savings.
- Couples who want to align on money.
- Employers who offer wellness programs.
- Churches and nonprofits that host workshops.

How we sized the market. Our Year 1 plan is about 80 coaching packages, 480 membership months and 20 workshops, a very small share of the people in a large metro area who want money help. Replace this estimate with your own count of employers and groups near you.

Why now. Many people are looking for help with budgeting and debt, and employers are adding financial wellness benefits.

Competitive Landscape

What customers can do today:

1. Banks and credit unions. Free and limited, with products to sell.
2. Nonprofit credit counseling. Helpful and often with waitlists.
3. Financial advisors. Skilled and focused on investing.
4. Online courses and apps. Cheap and impersonal.
5. Friends and family. Free and inconsistent.

Where we fit. Clarity will be a friendly, independent coaching practice that does not sell products and helps people build habits.

Marketing & Sales Strategy

How customers will find us.

Before opening:
- Meet HR managers, church leaders and nonprofits.
- Offer free workshops and webinars.
- Set up a website with online booking and a Google Business Profile.
- Share simple money tips on social media.

After opening:
- Ask every client for a review.
- Offer referral credits.
- Run monthly workshops.
- Pitch employers with wellness programs.
- Share client stories with permission.

What we will measure. How clients heard about us, how many intro calls become packages and how many clients stay on memberships.

Operations Plan

How the business will run.

Season and schedule. Coaching runs all year, with the busiest months in January and spring tax time. Workshops fill the daytime and evenings.

Team. Tanya coaches all clients in Year 1. An associate coach joins in Year 2, and we add coaches as the practice grows.

Quality and safety. We keep client information private and secure, use a written privacy policy and encrypted tools and are clear about the limits of coaching.

Equipment. We will buy a laptop and camera, a headset and microphone and small office setup items.

Paperwork and money. Clients pay at the start of each package or membership by card or bank transfer, and workshops are paid by invoice. I follow up on anything unpaid after one week. I keep the books in simple accounting software and set aside money for taxes and insurance every month.

Management & Organization

The people who will run Clarity Financial Coaching.

Tanya Brooks, owner and lead coach. She coaches clients, designs workshops and keeps the books. (Replace this paragraph with your own background.)

Team. One associate coach from Year 2, growing to three, each certified and trained.

Office. Tanya handles the office with part-time help as clients grow.

Outside advisors. An accountant, an insurance broker, an attorney who reviews contracts and a free mentor from SCORE or the Small Business Development Center.

Staff pay in this plan is a full year per person: owner / Lead Coach $45,000; associate Coach $36,000; program Coordinator $34,000. Replace them with the pay you can offer where you live.

Milestones Narrative

Our goals and when we plan to reach them.
- Before opening (2 months ahead): register the LLC, set up insurance and the website and run the first free workshops.
- Year 1: about 580 packages, member-months and workshops with Tanya coaching; $121,600 in sales and a profit of about $32,200.
- Year 2: about 848 and an associate coach; $174,152 in sales and a profit of about $13,900.
- Year 3: about 1,116 and a second associate coach; $228,924 in sales and a profit of about $23,200.
- Year 4: about 1,384 and a third associate coach; $287,496 in sales and a profit of about $35,800.
- Year 5: about 1,652 and a larger workshop calendar; $349,200 in sales and a profit of about $79,000.
Growth depends on winning and keeping customers, so treat the later years as goals, not promises.

What we check every week: coaching sessions held, memberships active, workshops booked, unpaid invoices and cash in the bank.

Funding Request

How much we need and how we will use it. Total we are raising: $36,000.

How we got that number. The Funding Need Calculator in this plan adds up three things:
- Startup costs of $15,500, listed item by item in the Startup Costs section: $3,000 for laptop and camera, $1,000 for headset, microphone and lighting, $1,000 for office setup items, $1,500 for LLC filing and attorney review of agreements, $1,800 for professional liability insurance, first payment, $2,500 for branding and website, $1,200 for coaching software and CRM, first year, $2,000 for launch marketing and workshops, $1,500 for office space deposit.
- The cash the business uses before it breaks even, about $0. Sales cover the daily costs once the doors open, so the cash we need up front goes mostly to startup costs.
- A cash cushion of about $16,900: three months of Year 1 operating costs.
- Together, the cash used before break even and the cushion come to about $16,900, and the three pieces add up to about $32,400, rounded up to the nearest $500: $32,500.
We are raising $3,500 more than that, $36,000 in all, to cover a slower first season than planned. With this funding, the lowest year-end cash balance is about $57,900, at the end of Year 1.

Where the money comes from:
- My own money: $6,000.
- SBA 7(a) loan: $30,000.

Kind of funding we are looking for. An SBA 7(a) loan from a lender that finances small businesses, backed by our savings and the equipment as collateral.

How we will pay it back. We expect a profit of about $32,200 in Year 1, a profit of about $13,900 in Year 2, a profit of about $23,200 in Year 3, a profit of about $35,800 in Year 4 and a profit of about $79,000 in Year 5. With this funding, the business has money in the bank at the end of every year of the plan. Our loan is the SBA 7(a) loan at 10.5% over 10 years, $405 a month. That payment is already included in our cash flow. We chose these as cautious planning rates; ask the lender for the real rates, which may be lower or higher.

What we are offering the lender: the equipment and a personal guarantee.

A smaller first step, if needed. If we cannot raise the full amount right away, we can start smaller and grow into this plan:
- Phase 1: start with individual coaching and one workshop series, which lowers the startup costs and the loan.
- Phase 2: once coaching is steady, add memberships, corporate programs and an associate coach and follow this plan.
To plan the smaller start, make a copy of this plan (use Duplicate) and lower the numbers to match.

All numbers in this plan are estimates. We will update them as real results come in.

Appendix Notes

Documents to attach before you send this plan:

- Your resume and a personal financial statement (a list of what you own and what you owe; lenders usually provide a form).
- Business registration papers and your EIN (your business tax number from the IRS, free at irs.gov).
- Your counselor accreditation and proof of insurance.
- A sample coaching agreement and privacy policy.
- A list of employers and groups you plan to approach.
- Your price sheet and workshop outline.
If you don't have any of this yet, no worries - let's continue.

The assumptions behind our numbers (change them in the Financials section to match your own):
- Coaching Packages: about $600 in Year 1, rising to $675; about $40 in direct costs, rising to $45; about 80 in Year 1, growing to 160.
- Monthly Coaching Memberships: about $120 in Year 1, rising to $135; about $10 in direct costs, rising to $11; about 480 in Year 1, growing to 1,440.
- Workshops and Corporate Programs: about $800 in Year 1, rising to $900; about $60 in direct costs, rising to $68; about 20 in Year 1, growing to 52.
- A coaching package averages about $600, a monthly membership about $120 and a workshop about $800.
- Prices rise about 3% a year.
- Equipment ($5,000 in Year 1) covers a laptop and camera, a headset and microphone and small office setup items, and later years ($1,000, $1,500, $1,000 and $1,500) replace and add equipment.
- Pay (a full year, per person): owner / Lead Coach $45,000; associate Coach $36,000; program Coordinator $34,000.
- Other yearly costs in Year 1: office Space $6,000, software and CRM $4,000, professional Liability Insurance $2,500, marketing $8,000, admin $2,000. These grow between 4% and 15% a year.
- Customers and payers pay about 15 days after service, so at the end of Year 1 about $4,864 is still owed to us. Income tax at 21%.
- Every dollar amount is an estimate. Replace them with your own quotes and research.

Startup Costs