Independent financial consulting · Seminole, FL
Clarity for your money, before you need it.
Julia Monahan works with individuals and families across the Tampa Bay area to build straightforward financial plans — retirement, savings, and the decisions in between.
What I help with
Planning built around your actual life
Retirement planning
Mapping out income, savings rate, and timelines so retirement is a decision you make on purpose, not a guess.
Household budgeting
A working budget that reflects how you actually spend, built to survive contact with real life.
Investment guidance
Plain-language review of where your money sits today and whether it still matches your goals.
Debt strategy
A clear order of operations for paying down what you owe without stalling everything else.
Insurance review
Checking existing coverage against your current situation, not the one you had it written for.
Life-event planning
Marriage, a new child, a home purchase, or a career change — plans that adjust when your life does.
How it works
Four conversations, one plan
Understand where you stand
We go through income, expenses, debts, and existing accounts — no judgment, just the full picture.
Define what you're actually working toward
Retirement age, a home, college costs, or simply breathing room — we name the real target.
Build the plan
A written plan with specific steps, in an order you can follow without a finance degree.
Revisit it as life changes
Check-ins on a schedule that suits you, so the plan keeps up with your actual life.
About Julia
Julia Monahan is an independent financial consultant based in Seminole, Florida, working with clients throughout Pinellas County and the greater Tampa Bay area.
Her practice is built on one idea: financial advice should be explained clearly enough that you could repeat it back to a friend. No jargon left unexplained, no recommendation without a reason attached.
Let's talk about your plan
Reach out directly or send a few details below, and Julia will follow up to schedule a first conversation.