Let’s improve your Prosperity I.Q. score!
One firm for your entire financial office — CFO Advisory for Individuals, Tax Services, Accounting Services, Fractional Chief Financial Officer for businesses, and your own Fractional Chief AI Officer. Every service raising one score. We guarantee results, or your money back.
Prosperity I.Q. Services
Every service stands on its own — with its own pricing page. Pick the service you need and open its page for the full pricing: plans, starting prices, deposits, and add-ons.
CFO Advisory for Individuals
For individualsPersonal financial advisory — a full review of where you stand, then ongoing guidance at the level you choose, led by Nicole Montgomery.
Start here$299 Audit Review View pricing →Tax Services
Individuals & businesses2026 tax filing for individuals, the self-employed, and businesses of every size — federal and state, in all 50 states.
Starting at$375 View pricing →Accounting Services
Individuals & businessesFull-service accounting — your books, payroll, and monthly reporting handled for you, priced by how many accounts you have and what you spend each month.
Plans from$149 / month View pricing →Fractional Chief Financial Officer
For businessesExecutive financial leadership for growing companies — forecasting, cash strategy, and board-ready reporting, without a full-time hire.
EngagementsScoped & quoted View engagements →Fractional Chief AI Officer
For businessesAI leadership for your finance function — an AI-for-finance audit, a hands-on implementation sprint, and ongoing fractional CAIO guidance.
Start hereAudit $2,500+ View pricing →PIQ University
Courses & coachingSelf-paced courses and live coaching sessions that build your financial knowledge — for individuals and business owners alike.
Learn atYour own pace See courses & coaching →Student Loan Services
For borrowersExperienced help with consolidation, payment reduction, default rehabilitation, and forgiveness — reasonable fees, no long binding contracts.
Packages from$299 View pricing →Step 2 — open your service’s pricing page, review the full pricing, then start. Every lane also offers a one-on-one Advisory Call with Nicole Montgomery at $250 per hour — Book Advisory Call.
Four steps, whichever lane you pick.
Pick your service
Select the block above that matches what you need — each service is separate, with its own pricing.
Complete the questionnaire
Your service’s questionnaire confirms your exact price, plan, or scope — no surprises after.
Pay in advance
Every plan, filing, and call is paid up front. If it is not paid, it does not start.
Work starts on clearance
Once payment clears, your service begins — and you always know what it cost before it did.
Financial clarity for the decision in front of you—and the growth ahead.
Prosperity IQ takes a practical, operator-minded approach: make the numbers understandable, connect them to the strategy, and focus the finance function on what you need next — whether that is your personal finances, your filing, your accounting, or your whole business.
Before we talk.
How do I know which service I need?
Start with the service blocks above — each block opens that service’s own pricing page. Personal money guidance is Individual CFO Advisory. A return to file is Tax Services. Ongoing monthly accounting is Accounting Services. Executive finance leadership for your company is Fractional Chief Financial Officer. Still unsure? A one-on-one consultation is $250 per hour in any service.
Is the one-on-one rate the same in every service?
Yes — $250 per one-hour call with Nicole Montgomery, in Individual CFO Advisory, Tax Services, Accounting Services, and Fractional Chief Financial Officer alike. Paid in advance. Note: the Individual CFO Advisory lane starts with the $299 Audit Review, which includes your first call.
How is tax pricing set?
By the 2026 starting prices on the Tax Services pricing page: $375 Individual, $650 Self-Employment, $750 Small Business, and $950 Mid-Size Business. Final pricing varies with the forms and complexity of your return, and is confirmed from your tax questionnaire before filing begins. A $65 non-refundable enrollment deposit applies; a $150 non-refundable rush deposit covers filing within 24 business hours of receiving all documents.
How is accounting pricing set?
By the number of bank and credit accounts you have and your monthly expenses — from $149/month on the Individual Plan to $1,500/month on the Corporate Plan, each plus a one-time set-up fee. Prior-month catch-up is priced per month by plan, and billing is monthly or annual, paid at enrollment.
Why is Fractional Chief Financial Officer quoted instead of priced?
Because the work depends on the business — its complexity, the quality of its financial data, and the decisions ahead. You receive a scoped quote before anything begins, and the engagement is paid in advance like everything else at Prosperity IQ.
Can you help us prepare for funding?
Advisory can strengthen forecasts, reporting, scenario models, and the financial narrative used in lender or investor conversations. Funding outcomes are never guaranteed and depend on the business and the capital provider.
When do I pay?
Everything is paid in advance, and work begins once payment clears — every plan, every filing, every call, in every service.
Start with the service that fits.
Individual CFO Advisory starts with the $299 Audit Review. Tax filing starts at $375. Accounting plans start at $149/month. And a one-on-one hour with Nicole Montgomery is $250 — in every service.