Profile review & roadmap
A full review of your financial profile — what is helping you, what is holding you back, and a clear, ordered plan for fixing it.
Individual CFO Advisory · Prosperity IQ
A CFO for your finances.
Individual CFO Advisory is Prosperity IQ’s personal advisory service — a full review of where you stand, a clear roadmap for what comes next, and ongoing guidance from Nicole Montgomery at the level you choose. Every price is on this page, up front.
Prices shown before you start
Paid in advance — work starts when payment clears
One-on-one with Nicole: $250/hr
One service. One price list. No mixing.
Start with the reviewThe $299 Audit Review comes first — and includes your first call with your AI advisory agent, requested from your portal.
Then choose your levelThree monthly plans, $49 to $199, matched to the decisions ahead.
Direct access stays premiumA standalone hour with Nicole is $250 — plans are the better buy.
What it covers
Advisory, end to end.
Individual CFO Advisory looks at your whole personal financial picture — where you stand today, what needs attention, and the order to handle it in — then stays with you month to month at the level you choose.
Budgeting, cash flow & debt
A budget built around your real life, a cash-flow plan you can follow, and a payoff strategy for the debts costing you the most.
Reporting & regular calls
Detailed reports that show your progress in plain numbers, and a monthly call with your AI advisory agent to decide the next move — requested from your portal, built into the higher plans.
Tax projections
At the Premium level, your plan looks ahead to tax season — projections through the year, so April never arrives as a surprise.
Wealth & legacy planning
Premium also covers the longer view: building wealth deliberately, and planning what you intend to leave behind.
Estate & trust coordination
Coordination with your estate and trust arrangements, so your financial plan and your legal plan point the same direction.
Plans & pricing · For individuals
Individual CFO Advisory — pricing
Start with the Audit Review, then choose the monthly level that matches the decisions ahead. Prices are set — work begins once payment clears.
CFO Essentials
$49/ month
Foundational support to keep your financial profile current and your budget on track.
- Profile updates
- Budgeting support
- No included calls — book the one-on-one call with Nicole separately when you need one
CFO Financial Advisory
$99/ month
Deeper reporting and planning, with a monthly call with your AI advisory agent from month two — request it from your portal each month, when you're ready.
- Everything in Essentials
- Detailed financial reports
- Cash-flow & debt planning
- Monthly call with your AI advisory agent from month 2 — requested from your portal
CFO Premium Financial & Tax Advisory
$199/ month
The full advisory level — financial, tax, wealth, and legacy planning in one place, with a monthly call with your AI advisory agent from month two, requested from your portal.
- Everything in Financial Advisory
- Monthly call with your AI advisory agent from month 2 — requested from your portal
- Tax projections
- Wealth & legacy planning
- Estate & trust coordination
Optional add-on · Separate
CFO Pay Per Delete
Billed only on verified deletions. Six-month term with unlimited disputes. Optional and separate from every monthly plan above.
$50per deleted entry, per bureau
How payment works
Paid in advance — always
All plans are paid in advance, and work begins once payment clears. If you expect to talk through your numbers every month, a plan is the better buy — Premium is $199/month, less than a single standalone call with Nicole.
$49–$199monthly plans
How it works
Four steps to your first plan.
01 / REVIEW
Book the Audit Review
Every engagement starts with the $299 CFO Financial Audit Review — paid in advance.
02 / CALL
Talk it through with your AI advisory agent
Your first call is included with your Audit Review. You request it from your portal, go through the findings together, and agree on the roadmap.
03 / CHOOSE
Pick your monthly level
Essentials $49, Financial Advisory $99, or Premium $199 — matched to the decisions ahead.
04 / BEGIN
Work starts on clearance
Once payment clears, your plan begins — reports, planning, and calls on your plan’s rhythm.
Led with perspective
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 on what you need next. Individual CFO Advisory applies that same discipline to your personal finances — one plan, one price list, and direct access to the founder when it matters.
Nicole MontgomeryFounder, Prosperity IQ
Before we talk.
Why does everything start with the Audit Review?
Because good advice starts with the full picture. The $299 CFO Financial Audit Review covers where you stand and what needs attention, and it includes your first call with your AI advisory agent, requested from your portal — so your monthly plan, if you choose one, is built on facts, not guesses.
Which monthly plan fits me?
Essentials ($49/month) keeps your profile current and your budget supported. Financial Advisory ($99/month) adds detailed reports, cash-flow and debt planning, and a monthly call with your AI advisory agent from month two, requested from your portal. Premium ($199/month) adds tax projections, wealth and legacy planning, and estate and trust coordination. Your Audit Review ends with a recommendation.
Can I just book a call without a plan?
Yes — a one-on-one hour with Nicole Montgomery is $250, paid in advance, in this service and every Prosperity IQ service. If you expect to talk regularly, compare the plans first: Premium is $199 a month, less than one standalone call.
What is Pay Per Delete?
An optional add-on, separate from the monthly plans: $50 per deleted entry, per bureau, billed only on verified deletions, on a six-month term with unlimited disputes. It is never bundled into a plan and never charged before a deletion is verified.
When do I pay — and when does work start?
Everything is paid in advance, and work begins once payment clears — the Audit Review, every monthly plan, and every call.
Looking for a different Prosperity IQ service?
This page is Individual CFO Advisory only. Tax Services, Accounting Services, and Fractional Chief Financial Officer for businesses each have their own pricing — see all services at prosperity-iq.com.
Start with the review.
$299, one time — your first call with your AI advisory agent included. From there, your plan is $49, $99, or $199 a month — and you will know exactly what it costs before any of it begins.