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Personal Financial Coach Jobs (NOW HIRING)

Weekday AI

Certified Financial Planner

Several years of direct client experience as a Financial Planner/Advisor, Personal Financial ... Experience integrating holistic planning with financial coaching, particularly in mass-market or ...

SoFi

AI Financial Planning Analyst

San Francisco, CA · On-site

SoFi is a next-generation financial services company dedicated to transforming personal finance. The AI Financial Planning Analyst will support members by enhancing the AI Coach product, ensuring ...

SoFi

AI Financial Planning Analyst

Charlotte, NC · On-site

... on personal financial planning • Review, calibrate, and validate the quality of financial planning guidance generated by SoFi's AI Coach chat tool. • Identify opportunities for and implement ...

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Personal Financial Coach information

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$29.5K

$56.7K

$70.5K

How much do personal financial coach jobs pay per year?

As of Jun 30, 2026, the average yearly pay for personal financial coach in the United States is $56,712.00, according to ZipRecruiter salary data. Most workers in this role earn between $51,000.00 and $64,000.00 per year, depending on experience, location, and employer.

What is the difference between Personal Financial Coach vs Financial Advisor?

AspectPersonal Financial CoachFinancial Advisor
CredentialsGenerally no specific licensing, but certifications like CFP or AFC are commonLicensed and certified, often CFP, CFA, or CPA
Work EnvironmentOne-on-one coaching, workshops, online platformsClient meetings, investment management, financial planning firms
Services ProvidedBudgeting, goal setting, financial habitsInvestment advice, estate planning, tax strategies
Employer & IndustryIndependent, coaching firms, financial education platformsFinancial firms, banks, wealth management companies

While both roles focus on improving clients' financial health, a Personal Financial Coach primarily guides clients on budgeting, habits, and goal setting without offering investment advice. A Financial Advisor provides comprehensive investment and estate planning services, often requiring licensing and certifications. The choice depends on your financial needs and whether you seek behavioral coaching or investment management.

Can financial advisors make $500,000 a year?

Personal financial coaches typically do not earn $500,000 annually, as their income is often based on client fees, hourly rates, or retainer agreements, which usually result in lower earnings. High earnings in financial advising are more common among experienced advisors working with high-net-worth clients or those in senior roles at large firms. Achieving such income levels generally requires extensive experience, a strong client base, and advanced certifications like the CFP or CFA.

How much do personal finance coaches make?

Personal financial coaches typically earn between $40,000 and $80,000 annually, depending on experience, certifications, and client base. Some coaches may charge hourly rates ranging from $50 to $200 or more, especially if they have specialized skills or credentials like CFP or CPA designations.

How to become a personal financial coach?

To become a personal financial coach, individuals typically need a strong understanding of financial planning, budgeting, and investment principles, often gained through a bachelor's degree in finance, economics, or a related field. Certification programs such as the Certified Financial Education Instructor (CFEI) or Accredited Financial Counselor (AFC) can enhance credibility, and experience in finance or counseling is valuable. Strong communication skills and the ability to develop personalized financial strategies are essential for success in this role.

What is a personal financial coach?

A personal financial coach is a professional who helps individuals understand and improve their financial situation. Unlike financial advisors who manage investments, financial coaches focus on teaching clients how to budget, save, reduce debt, and make informed money decisions. They provide guidance, accountability, and support to help clients achieve their financial goals and build long-term financial habits. Personal financial coaches do not typically sell financial products or give investment advice, but instead empower clients to take control of their finances.

What are some common challenges faced by Personal Financial Coaches when working with clients, and how can they be addressed?

Personal Financial Coaches often encounter challenges such as clients’ reluctance to discuss financial setbacks, difficulty in changing spending habits, or inconsistent engagement with financial plans. Building trust through empathy and clear communication is essential to help clients feel comfortable sharing their financial history. Coaches can also use goal-setting techniques and regular check-ins to keep clients motivated and accountable. Collaborating on realistic, incremental action steps makes the process more manageable and increases the likelihood of long-term success.

How much does a Dave Ramsey financial coach make?

A personal financial coach, including those who follow Dave Ramsey's methods, typically earns between $40,000 and $70,000 annually, depending on experience, location, and client base. Many coaches work independently or for financial planning firms, and certifications such as Ramsey Solutions' Financial Coach Master Training can influence earning potential.

What are the key skills and qualifications needed to thrive as a Personal Financial Coach, and why are they important?

To thrive as a Personal Financial Coach, you need a strong understanding of personal finance principles, budgeting, and debt management, often supported by a relevant degree or certification like AFC (Accredited Financial Counselor). Familiarity with financial planning software, budgeting apps, and tools for credit analysis is typically required. Exceptional communication, empathy, and motivational skills help coaches build trust and empower clients to achieve their financial goals. These competencies ensure clients receive accurate, personalized advice and the encouragement needed to make lasting financial changes.
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Personal Financial Coach jobs near you

Personal Financial Planner

New York Life Iowa General Office

Ankeny, IA

$70K/yr

Full-time

Posted 24 days ago

Be an early applicant

Job description

We are seeking an eager, strategic, and definitive financial advisor to fill an entry-level position that offers room for growth and a promising job outlook. Our ideal candidate will be driven by the need to help clients identify and achieve their financial goals through a variety of planning services. Join our team to begin honing your skills related to risk management, estate planning, debt and investment management, real estate, retirement planning, mutual funds, investment options, and more. If you're dedicated to delivering excellent client service and this sounds like a good fit, start the application process today!Compensation:

$50,000 - $70,000 yearly


Responsibilities:
  • Embrace the role of a structured yet coachable team player open to continued education and training from other team members
  • Work directly with clients to compile financial profiles that allow you to provide sound financial advice based on each person’s individual financial status, income, financial goals, and other factors contributing to wealth management
  • Create customized financial plans for each client based on his or her life stage, professional circumstances, and fluctuating financial needs
  • Provide strategic recommendations for products, plans, investments, and other methods to help clients achieve financial goals
  • Seek, identify, and secure strong relationships with new clients by serving as their trusted financial advisor
  • Create customized financial plans using the products and services we offer based on each client's potential life and financial needs
  • Educate clients on how to plan for their future financially in the event of unfortunate life circumstances occurring
  • Help clients implement financial recommendations such as life insurance, savings plans, mutual funds, and other financial products
  • Networking and building your personal book of business through establishing professional networks and prospecting for new clients
  • Cultivating quality relationships with clients to establish opportunities to help their family members pursue financial security
  • Leverage marketing and social media tools to identify and secure new clients who can benefit from having a trusted financial service professional
  • Collect and organize each client's financial information using a CRM to determine financial status, financial goals, cash flow, and financial expectations


Training & Resource Benefits:

  • Personalized coaching and mentorship from dedicated training professionals
  • Ongoing access to local managers, team member collaboration, and paired with a seasoned agent for mentorship
  • Support from corporate development managers and product consultants to assist you
  • Access to digital sales, prospecting, and marketing tools
  • Opportunity to earn professional designations and certifications
  • Sales incentives and professional development trips for top performers
  • Full benefits, including medical, dental, vision, life, and disability insurance
  • 401(k) and pension plan for eligible full-time agents

Qualifications:
  • Baseline knowledge about financial industry concepts, financial products, and the role of a financial advisor is desired
  • Computer proficiency in Microsoft Office, CRM systems, financial planning software, Google Suite, and other tools strongly preferred
  • Up-to-date FINRA Series 7 & 63/66 documents are a bonus
  • A required Bachelor’s degree in business administration, finance, or similarly related field
  • Exemplary math skills, communication skills, and relationship skills to support strong customer service for current and new clients
  • Must live in the State of Iowa


Do you consider yourself to have these qualities?

  • Sales knowledge
  • Strong communication skills and the ability to talk to anyone easily
  • A great mindset
  • Enjoy engaging in your community and networking
  • Self-starter and eager to learn new things


If so, apply for a rewarding career as an Entry-Level Financial Advisor with the New York Life Iowa General Office. We'd love to talk with you.


Please note: We, unfortunately, can only accept applicants who are either U.S. Citizens or reside within the United States. We currently do not support US H-1B visas. To be considered for a role at the Iowa General Office, a candidate must live in the state of Iowa.


About Company

About New York Life: New York Life is among the strongest and most respected financial companies in the world. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by each of the four major rating companies: A.M. Best (A++), Standard & Poor’s (AA+), Moody’s Investors Service (Aaa), and Fitch (AAA)¹.

1-Full-time agents and their dependents are immediately eligible for medical, dental, vision, long-term disability, and group term life insurance. New York Life reserves the right to amend or terminate any benefit plans, in whole or in part, at any time.

2- Source: Individual Third Party Ratings Reports as 7/30/18.

3- Based on revenue as reported by “Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual),” Fortune magazine, 6/1/19. For methodology, please see http://fortune.com/fortune500/