FREQUENTLY ASKED QUESTONS

At 40AM Capital, we offer a range of financial coaching services tailored to meet different needs:

• Financial Freedom Coaching: A four-session, one-on-one coaching program that helps you develop personalized strategies to achieve financial independence. Up to four attendees can participate, allowing you to include family members or close connections.

• Money Mastery Workshop: An interactive workshop designed for groups, focusing on essential financial skills like budgeting, saving, investing, and debt management.

• Financial Ignition Blueprint (Coming Soon): A comprehensive, self-paced online course that provides practical tools and insights to kickstart your journey to financial independence.

Each service is designed to empower you with the knowledge and strategies needed to take control of your financial future.

Our services are tailored for individuals at various stages of their financial journey, particularly those who want to build financial independence. While we focus on empowering Black Americans, we welcome anyone seeking to improve their financial situation, whether you're just starting out or looking to take your finances to the next level.

No, there is no minimum income or savings requirement to work with us. Whether you’re managing debt, building savings, or working toward wealth-building goals, our services are designed to meet you where you are and help you progress through the Financial Independence Spectrum.

Choosing the right program depends on your financial goals and how you prefer to learn and engage:

• Financial Freedom Coaching is ideal if you’re looking for personalized, one-on-one guidance tailored to your specific financial challenges and goals. This program allows you to include up to three additional family members or close connections, making it perfect for those who want to work collaboratively.

• Money Mastery Workshop is best suited for groups such as families, community organizations, or professional teams that want to learn essential financial strategies together. It’s an engaging, interactive session designed to equip participants with practical tools for managing money effectively.

• Financial Ignition Blueprint (Coming Soon) is perfect if you prefer self-paced learning. This online course will offer comprehensive financial insights and step-by-step strategies that you can complete on your schedule.

If you’re still unsure which program fits your needs, consider scheduling a Financial Discovery Call for a personalized consultation.

After you sign up for one of our programs, here’s what you can expect:

• Financial Freedom Coaching: You’ll receive a welcome email with details on scheduling your sessions and any initial resources to prepare. We’ll work together to plan your four personalized coaching sessions, tailored to your financial goals. If you’re including family members or others in your sessions, we’ll coordinate to ensure everyone is aligned.

• Money Mastery Workshop: We’ll schedule a consultation to discuss your group’s needs, customization options, and pricing. You’ll receive preparatory materials to share with your group, ensuring everyone is ready to participate and get the most out of the workshop.

• Financial Ignition Blueprint (Coming Soon): Once the course is launched and you sign up, you’ll receive access to the online platform, where you can start learning at your own pace with guided lessons and exercises.

In all cases, our team is here to support you and answer any questions as you embark on your journey to financial empowerment.

Financial coaching is focused on empowering you with the knowledge, tools, and strategies to make informed decisions and take control of your finances.

Financial advising, on the other hand, often involves licensed professionals offering specific advice on investments and managing your wealth.

At 40AM Capital, we focus on financial coaching but work with vetted Financial Advisors through our FAM (Financial Advisor Match) service when more advanced advising is needed.

Our services are designed to offer high-value financial coaching and education at competitive rates:

• Financial Freedom Coaching: Priced at $499 for a four-session package. This includes personalized, one-on-one guidance to help you reach your financial goals. You can include up to three additional household family members in your sessions at no extra cost.

• Money Mastery Workshop: Pricing varies based on group size and customization. We encourage you to schedule a consultation to discuss your group’s specific needs and receive a tailored quote.

• Financial Ignition Blueprint (Coming Soon): The pricing for this comprehensive, self-paced online course will be announced closer to its launch.

Feel free to reach out for more details or schedule a consultation to learn about the best option for you.

Yes, absolutely! For our Financial Freedom Coaching program, you can include up to three (3) additional household family members at no extra cost. This allows you to work collaboratively and align your financial goals as a family.

Our Money Mastery Workshop is also designed for groups, making it perfect for families, community organizations, or any group looking to enhance their financial knowledge together. Our minimum number of attendees is five (5).

Including your spouse or family members can help create a shared understanding and approach to financial planning, fostering stronger collaboration and commitment.

40AM stands for "40 acres and a mule," a historical reference to the unfulfilled promise of economic empowerment for Black Americans after the Civil War. At 40AM Capital, we are turning that promise into a modern reality, helping our clients achieve financial independence and build generational wealth.

The Financial Independence Spectrum is a 10-level framework we use to help guide you toward financial independence. It starts with Financial Reliance (level 1) and progresses through stages such as Debt Freedom and Financial Independence until you reach Financial Abundance (level 10). Each level has tailored strategies, resources, and goals to help you move forward on your financial journey.

We are always open to collaborating with professionals and organizations that share our vision of financial empowerment. Our ideal partners include:

• Financial Advisors: Seeking a trusted coaching partner to offer comprehensive support for their clients.

• Community Organizations and Non-Profits: Focused on economic empowerment and promoting financial literacy programs.

• Employers: Interested in enhancing employee well-being with financial education and coaching workshops.

• Schools, Colleges, and Universities: Incorporating financial wellness and independence programs to support students and graduates.

• Faith-Based Organizations: Churches and religious groups looking to provide financial growth opportunities for their communities.

• Professional Associations and Networking Groups: Focused on offering value-added resources for members.

• Entrepreneur Support Networks: Serving aspiring entrepreneurs and small business owners with financial strategies.

• Wealth-Building Professionals: Collaborators in wealth management, financial planning, or similar fields aiming to support client success.

If you see an opportunity to work together, we’d love to connect and explore potential collaborations.