Join The Movement.
Black Wealth Financial is creating a movement to empower and improve the financial lives of young professionals struggling with debt and financial anxieties; through financial planning, education, and guidance.
Money
Management
Knowing where your money goes and how it flows is a key component to our financial planning.
Debt
Management
Eliminating excessive and unnecessary debt is beneficial and key to wealth accumulation.
Wealth
Management
Avoiding and minimizing the losses are just as important (if not more) than picking the winners.
We encompass a complete, holistic, financial planning process when helping you reach your financial goals. More simply, or perhaps more importantly, during our planning process, we look at each of your financial components and everything that affects or could possibly affect your money now and in the future. We believe this is the best approach to ensure we are making the best money moves for where you are currently, and where you’d like to be.
Money Management
Get the keys to creating the proper cash flow and spending routines for the things you want. Knowing where your money goes and how it flows is a key component to our financial planning process. We provide money management options exclusively to our clients in the areas of creating and/or implementing:
Bill Pay
Saving
Budget System
Expense Reduction
Money Management
Monitoring/Accountability
Debt Management
Attacking your debt head on and creating a plan to eliminate it quickly and effectively will allow your dollars to work smarter and harder for you, and not your lenders. Think “snowball method” on steroids as we manage and rapidly eliminate your debt in record time through:
Credit Card Management
Student Loan (pay off in 3-7 years)*
Mortgage Review/Planning (pay off in 5-9 years)*
Consumer Debt Management (car loans, doctor bills, etc.)
*results my vary
Financial Planning
The financial decisions you make today might not only impact your life today, but some decisions can have ripple effects for many years to come. Having a plan in place for future financial events that you know are sure to come, can ensure you are financially prepared to maximize and take full advantage of today’s dollar when you need them most.
Annuities
W4 Review
Tax Planning
College Planning
401k/IRA Rollover
Home Purchase/Refinance
Retirement Plan Review
Social Security Planning
Personal Pension Planning
Retirement Income Planning
Wealth Management
Utilizing tactical portfolio management to protect and build wealth is key in our wealth management approach. Proactively managing portfolio downside investment risk, in order to mitigate large potential declines in portfolio values, is our key to long-term investment success. Our core principles involve:
Portfolio Review
Risk Awareness
Manager screening, selection, and due diligence
Prudent portfolio construction and management
Credit Restoration
When used properly, your credit score can be a very powerful wealth building tool and provide you with an opportunity to pay little to no interest on financed items. Mismanaged credit and low scores can be embarrassing and provide many financial challenges. Without repair, you’ll always pay more than you should when financing, and homeownership may never be an option. Fortunately, the story doesn’t have to end there!
3 bureau repair/restoration
Removal and deletion of negative items
Improvements in 30 to 45 days*
*improvements and results may vary
Insurance Protection
It’s better to have it and not need it, than to need it and not have it when it comes to pretty much anything in life, and insurance is no exception to that rule. While planning in advance is important, where and how you plan is perhaps of greater importance. You may not know exactly what coverage you need, but we do. We will explore your various insurance options in order to implement the best plan, so that you are in a position to receive the maximum benefits. We assist in insurance protection through the following:
Life insurance
Disability Insurance
Long Term Care Insurance
Preneed Funeral Insurance
Jamilah N. McCluney
Financial Coach & Strategist
For as long as I can remember, I’ve always wanted to be a doctor.
I went to college and followed the pre-med track and along the way realized I’d be 35 before I was finished my schooling and definitely didn’t want to be that old and just be starting my career.
I was like, I want to be married and have a family and how in the world am I gonna do that if I’m still in school (I wanted to be a cardiothoracic surgeon). Fast forward many years later and 35 has come and gone and I’m not married and have no kids. The irony! LOL
Blog links
What is worth knowing?
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You’re losing Money
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