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How much do independent contractor financial coach jobs pay per hour?

As of May 31, 2026, the average hourly pay for independent contractor financial coach in the United States is $23.03, according to ZipRecruiter salary data. Most workers in this role earn between $18.99 and $26.92 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as an Independent Contractor Financial Coach, and why are they important?

To thrive as an Independent Contractor Financial Coach, you need a robust understanding of personal finance, budgeting, and debt management, often supported by certifications like AFC (Accredited Financial Counselor) or CFP (Certified Financial Planner). Familiarity with financial planning software, spreadsheets, and virtual meeting platforms is typically required. Outstanding interpersonal skills, empathy, and the ability to motivate clients are crucial soft skills for building trust and facilitating behavior change. These skills and qualities are essential to effectively guide clients toward their financial goals and sustain a successful independent practice.

How do Independent Contractor Financial Coaches typically structure their client engagements and manage their workflow?

Independent Contractor Financial Coaches often set their own schedules and manage multiple client relationships independently. Engagements are typically structured around individual or group sessions, either virtually or in person, depending on client needs and location. Coaches are responsible for creating customized financial plans, tracking client progress, and providing ongoing support, which requires strong organizational and time management skills. Collaboration may occur with other professionals, such as tax advisors or accountants, to provide comprehensive guidance, but most work is performed solo. Successfully managing a client portfolio and keeping up-to-date with financial best practices are essential for long-term growth in this role.

What is an Independent Contractor Financial Coach?

An Independent Contractor Financial Coach is a self-employed professional who helps clients manage their finances, set financial goals, and develop strategies for budgeting, saving, and debt reduction. Unlike financial advisors, financial coaches typically do not sell financial products or manage investments; instead, they focus on education and behavioral change. As independent contractors, they run their own businesses and work with clients on a flexible, contractual basis, either in person or online.

What is the difference between Independent Contractor Financial Coach vs Financial Advisor?

AspectIndependent Contractor Financial CoachFinancial Advisor
CredentialsCertifications like CFP, CPA, or financial coaching certificationsCFP, CFA, or other financial planning certifications
Work EnvironmentSelf-employed, independent contractor, often working with individuals or small businessesEmployed by firms or independently, serving clients on financial planning and investment advice
Industry UsageCommonly used in personal finance coaching and consultingWidely used in investment management and comprehensive financial planning

The main difference is that an Independent Contractor Financial Coach primarily provides personalized financial coaching and education without offering investment advice, while a Financial Advisor typically offers comprehensive financial planning and investment management services. Both roles may require similar certifications, but their scope and client engagement differ.

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What cities are hiring for Independent Contractor Financial Coach jobs? Cities with the most Independent Contractor Financial Coach job openings:
What are the most commonly searched types of Financial Coach jobs? The most popular types of Financial Coach jobs are:
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What job categories do people searching Independent Contractor Financial Coach jobs look for? The top searched job categories for Independent Contractor Financial Coach jobs are:
Independent Contractor Financial Coach jobs near you
Infographic showing various Independent Contractor Financial Coach job openings in the United States as of May 2026, with employment types broken down into 53% Full Time, 41% Part Time, and 6% Contract. Highlights an 90% Physical, 5% Hybrid, and 5% Remote job distribution, with an average salary of $47,895 per year, or $23 per hour.
Financial Advisor

Financial Advisor

First Command Financial Services, Inc.

Indianapolis, IN • On-site

Full-time

Posted yesterday

First Command Financial Services rating

7.5

Company rating: 7.5 out of 10

Based on 11 frontline employees who took The Breakroom Quiz

Job description

Job Description
Financial Advisor Jobs at First Command:
Shaping Positive Financial Behaviors since 1958
First Command Financial Advisors coach military families in their pursuit of financial security. Our reputation has been built on shaping positive financial behaviors through one-on-one coaching with military families. We embrace time-tested financial principles and a client-first philosophy. We inspire and motivate clients to take the first or next step on a path to financial security.
3 out of 4 of our Financial Advisors are veterans or military spouses.
Many of our 165+ offices nationwide are located near military installations.
If you're exploring what's next in your career, First Command offers a path to become a Financial Advisor where leadership, entrepreneurship, and professional growth come together. Your experience matters - and here, it's a foundation for building a meaningful, long-term career.
What you'll do:
    • As the personal coach to our Nation's military families, you will focus on financial plans that are constantly evolving to pursue short-term and long-term financial goals.
    • You will provide guidance to military families on managing day-to-day finances, building lifetime assets, and protecting against the unexpected.
    • You will engage with the community to bring new clients to First Command, with the support of your local district team and Home Office.
    • You will connect directly with the military community by partnering with local military organizations, military units, and other supporting institutions.
    • You will coach military families on how to build a comprehensive financial plan that includes:
    • Savings/banking
    • Investments/wealth management
    • Insurance/risk management

Training and licensing support:
    • First Command offers a comprehensive training and licensing program designed for veterans, transitioning service members and military spouses to start and grow a successful Financial Advisor career.
    • Sponsorship: First Command sponsors your pursuit of full registration and licensing as a Financial Advisor using our tools and resources to guide you through the process.
    • Licensing: You'll receive structured training and test preparation to help you obtain the necessary securities and Life & Health licenses-no prior licensing is required.
    • Role Progression: Upon completing licensing, you'll have the opportunity to transition into a paid training role, partnering with a local district office and accelerating your professional development.
    • Compensation: As you begin this career, your First Command Financial Advisor compensation will consist of an hourly wage for 3 months and then transition into a salaried position that offers progressive incentives during for the remainder of the nine-month paid training period.

Becoming an Advisor:
    • Successful completion of the paid trainee program opens the door to becoming an independent contractor Financial Advisor with First Command, allowing you to run your own practice while earning income based on the value you deliver and the results you achieve.
    • Compensation: There is no cap on your earning potential: Your compensation reflects your effort and is based on competitive commissions, residual income, bonuses, and deferred compensation.
    • Professional Development: We offer professional development: including progressive leadership programs through classroom training and annual workshops to help prepare you for future leadership opportunities.
    • Independence: Set your own schedule to manage work-life balance.
    • Flexibility: Mobile career opportunities throughout the United States which allow your career to move with you.

Desired Qualifications:
    • Military experience or affiliation
    • Bachelor's degree
    • Proven leadership skills

Learn more about First Command:
First Command has been helping military families pursue their goals and dreams through Financial coaching and guidance since 1958. To learn more about us, visit Financial Services Careers First Command.

What First Command Financial Services employees say

Pay

Hours and flexibility

Workplace

Get the full story on Breakroom

First Command Financial Services logo

About First Command Financial Services

Sourced by ZipRecruiter

First Command Financial Services, based in Fort Worth, TX, US, operates within the financial services industry. Established in 1958, this company's mission is to "coach those who serve in their pursuit of financial security." With its suite of services and products, including investment management and financial planning, the firm is dedicated to helping military families and federal employees achieve financial security. Over the years, First Command has made a name for itself through integrity, commitment, and an approach built upon trust, resulting in substantial client loyalty. Featured among its notable achievements is the company's consistent placement among the top 1% of all wealth management firms in the USA in terms of long-term investment results, confirming their commitment to providing exceptional financial services.

Industry

Finance and insurance

Company size

1,001 - 5,000 Employees

Headquarters location

Fort Worth, TX, US

Year founded

1958

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