Black Wealth Financial

At Black Wealth Financial, we guide individuals toward financial security and wealth creation. We translate complex financial concepts into actionable strategies, empowering you to manage debt, build assets, and achieve your unique financial goals.

Our team of experts provide personalized roadmaps and ongoing support to navigate your financial journey with clarity and confidence.

Financial Advisor & Strategist

Westbrook

I serve as a 401K plan consultant and retirement plan advisor for Westbrook Inc. employees. I assist and empower plan participants to establish and monitor their retirement plan assets, through a selection of professionally managed investment opportunities, enabling employees to meet their personal retirement goals.

I help to develop and maintain retirement plans that meet their financial needs while assisting with roll overs and guiding important decisions about saving for retirement.

As a disability plan consultant for Westbrook Inc., I help employees ensure they are securing and protecting their income. If they become too sick or hurt to work, the pre-selected policies will provides a monthly benefit to help pay everyday living expenses. Consulting for supplemental coverage is also available as needed.

401K/Disibility Plan Advisor

MoneyMD

MoneyMD is an emerging personal finance services firm dedicated to serving the needs of healthcare professionals with 5-15 years of practice experience.

At MoneyMD, we understand why you went into debt, and we also understand why it’s important to get out of that debt. 

Jamilah N. McCluney, is the company’s principal and executive director and began her college career as a premed student. Ultimately finishing with a behavioral sciences background, Ms. McCluney understands the financial concerns of doctors and physicians who are beginning their careers.

At MoneyMD, we understand why you went into debt, and we also understand why it’s important to get out of that debt! Within our practice, we see doctors who have done everything “right”; they have completed med. school, residency and/or specialty training and have an average of $200,000 worth of student loan debt.

The problem is, if these doctors continue to service their student loans and private practice debt like many of their colleagues, they’ll continue to have this mounting debt for at least another 20 to 30 years as they began to incorporate and add lifestyle obligations to that pile.

MoneyMD, tackles the worry and discomfort of facing these obligations head on.

We know how to best pay back these obligations in the fastest most efficient way possible in order to find hidden money; that’s where we start.

Once we find the money, we investigate the best place to put it to work for you.

We triage, and you benefit.

We are offering financial solutions to doctors who never knew alternatives existed.

We are giving doctors just what they didn’t know to order.

Principal & Financial Advisor

I Help Professionals Increase Cash Flow While Protecting Their Money From The Biggest Triple Threat To Wealth Building: Taxes, Wall Street, & Debt | Financial Advisor & Strategist | Speaker | Money Talk

I’m not your average financial advisor. 

The fear and anxiety of not knowing how to manage money are feelings I'm deeply familiar with. 

I know firsthand the struggles of growing up without financial guidance— repeating the same mistakes my parents did and facing the consequences of poor financial decisions. 

As the first in my family to attend college, I've felt the pressure to support my loved ones while learning to navigate my finances. 

Despite earning a good income, I've experienced significant setbacks like foreclosure and defaulted student loans due to a lack of financial education. 

Early on, I prioritized appearances over actual wealth, a lesson learned the hard way. 

Originally aspiring to be a doctor to make a difference, I find fulfillment now in offering the guidance I 
once needed and helping others achieve financial wellness. 

I've been where you are, feeling the fear and embarrassment of financial struggles. 

That's precisely why I provide personalized support and step-by-step guidance to help you take control of your finances.

→ Here's my approach:

-Book a Consultation: Let's discuss your financial goals and challenges
-Plan Development and Implementation: Together, we'll craft a tailored strategy and put it into action
-Financial Security & Peace of Mind: Experience the confidence and peace that comes with financial stability 

→ Your Goals, Our Guidance

Clients come to us with a variety of financial backgrounds—some are savers, others are investors, and many are planners looking to optimize. They all leave with one thing in common: a clearer path to financial freedom. Achievements under our guidance include major milestones like purchasing dream homes, funding education, enjoying comfortable retirements, and creating substantial legacies.

→ Why Choose Me?

What sets me apart is my personal and professional journey through financial adversity that fuels my dedication to your financial success. My approach is comprehensive and compassionate—I don’t just manage money; I strive to change lives through financial education and hands-on management.

→ Ready to take control of your finances? 

Schedule your consultation today and take the first step on a path to enhanced financial well-being and independence. (Link in Bio)

Investment Advice is offered through Redwood Private Wealth LLC. Past performance is no guarantee of future returns. Redwood is headquartered at 3930 E. Ray Road, Suite 155, Phoenix AZ 85044. It is important to read our disclosures available at this link: https://bit.ly/RedwoodDisclosure

You did it...

You hit the income goal. 

You're the person you wanted to be 10 years ago.

So why are you still living like you're broke and fighting to get here?

You're still saving with a 'scarcity' mindset. 

You're still putting off the vacation, the nice dinner, the joy, telling yourself you'll "live a little" after you hit the next milestone.

Your bank account is rich, but your life is poor.

The real cost of this isn't the experiences you're missing. 
It's that you've trained your brain to only value the grind. 
You're building a giant, beautiful piggy bank for a "someday" you're forgetting to ever schedule. 
You're sacrificing your one life today for a tomorrow that never arrives.

Your money is supposed to be a tool to build a great life, not a scorecard you just watch get bigger.

I want you to try something. 

Stop scrolling. 

Close your eyes for 10 seconds and ask yourself, "What am I actually working for?" 

If the answer doesn't come immediately, we need to talk.

Send me a DM. No keyword. Just ask, "Can you help me build a plan to actually live?"

Let's work. 

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#FinancialFreedom #FinancialCoach

Jamilah McCluney

Wouldn’t it be great to remove the fear 😧, uncertainty, and stop the losses when it comes to your money?

Are you confused 😐 by what’s going on in your 401K or IRA? Or overwhelmed by where all of your money goes each month? 

Or maybe your student loan balances are getting larger, and your credit card debt has you stressed out. 

Many don’t know they can be in control of their money or, more importantly, how to be. Others prefer to avoid their financial realities and lean into hope and speculation while sinking deeper and deeper into despair.

It’s not their fault - most people aren’t taught how money really works or how to financially plan with certainty.

When attempting to build wealth, people face three main challenges: 

❌ Large amounts of “bad” debt
❌ Volatility, fees, & risk from Wall Street 
❌ Excessive and huge tax burdens 

Having worked with professionals and high-income earners for over a decade, I know how to solve these challenges. That’s why I teach and implement advanced financial strategies to help you:

✅ Play the debt game like the financial institutions play and not how they teach
✅ Become tax efficient and significantly reduce taxes paid over your lifetime 
✅ Create a financial plan that involves liquidity, use, & control 
✅ Remove the guesswork and uncertainty of market losses while significantly reducing fees

It’s called the “Beat the 3 & See” 🥊 method, which shows you how to increase your cash flow while protecting your money… not with fear, but with control and certainty. 

👇 Take a look at some actual results from some of my clients. 👇

👉 One of my clients was struggling with 6 figure credit card debt and was shocked to see my plan to pay it all off in just 5 years while saving several thousand dollars in interest.

👉 A family contacted me concerned about the losses in their 401k and 529 plans. They’d watched over one hundred thousand dollars go quickly and felt lost and defeated. Using my financial model, I was able to save them over $85,000 in taxes and fees and help them structure a more tax-efficient and liquid plan.

I could go on and on, but I’d like you to be next! 

Would you like to put control and certainty into your money? Let’s “Beat the 3 and See”!

If you would like to explore your financial options, then let’s chat. Whether or not we decide to work together, I am confident that our call will be full of insights and actionable steps that can help you achieve your goals.

Book a call with me today: https://calendly.com/jamilahmccluney/freecall
Or contact me: jamilah@getblackwealth.com | (323) 688-3528

I Help People Make Confident Money Moves Through: Financial Coaching, Financial Tools, & Powerful Money Conversations That Lead To Freedom; Empowering You To Understand & Take Control Of Your💰- Who's Next? 👀

It's not even November, but you're already doing it, aren't you?

You're looking at your finances, feeling that familiar stress, and whispering the most dangerous lie...

"I'll get serious on January 1st."

It feels so good to say. 

It's a magic 'get out of jail free' card that gives you permission to make bad decisions for the next two months. 

But you and I both know what happens. 

You'll wake up on February 1st, after the motivation has faded, feeling even more defeated than you do right now.

The real cost of this lie isn't the two months you're wasting. 

It's the fact that you're practicing failure. 

You are reinforcing the habit of procrastination, and you're stealing your own hope.

Imagine walking into the New Year already 60 days into your new life, while everyone else is just starting. 

Imagine the power in that.

If you're done with that cycle, I want you to send me a DM. No keyword. Just tell me, "I'm starting now."

Let's work. 



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You've said it, haven't you? 

"I'm just bad with money."

You say it with a laugh, like it's a quirky, unchangeable personality trait. 

But it's not a joke. It's a shield. 

It's the lie you tell yourself to make it okay that you're not in control, that you're constantly stressed, and that you're afraid to look at the numbers.

You're not "bad with money." 

You're a smart, capable person who is just scared. 

You're afraid of what you'll find, afraid you'll fail, and afraid of the work it'll take to fix it.

The real cost of this lie isn't just the money you're losing. 
It's the power you're giving away every single day. 

You're letting a simple lie rob you of your confidence and your future.

You're not "bad with money." You're just unpracticed. 

That can change, starting today.

If you're ready to stop telling that story, I'm here to listen. 

Send me a DM. 

You don't have to have it all figured out. 

Just tell me, "I'm ready to write a new story," and I'll take it from there.

Let's work. 

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It's payday. 

For a few glorious hours this morning, you felt rich. 
The direct deposit hit, and for a minute, the possibilities seemed endless.

And now… it's mostly gone.

✔️ Rent. 
✔️ Car payment. 
✔️ Credit cards. 
✔️ Student loans. 

Like watching a magic trick in reverse, a huge pile of money just vanished into thin air, leaving you with the scraps.

This isn't just about being broke; it's about feeling powerless. 

You work too damn hard to just be a pass-through account for other companies. 

The real cost of this cycle is the soul-crushing feeling that you're running on a treadmill, working endlessly just to end up in the same place every two weeks.

Your paycheck should be the start of building your wealth, not just the end of paying your bills.

When you're ready to stop watching your money disappear and start putting it to work for you, DM me the word "YES".

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Think about all the financial 'tabs' you have open in your brain right now.

The old 401(k) you need to deal with. 
That subscription you keep meaning to cancel. 
The nagging question of whether you're saving enough for the future.

Each one is a tiny drain on your mental energy.

This isn't just background noise. 

It's a 'mental tax' and you're paying it every single day with your focus, your patience, and your peace of mind. 

It's why you feel a constant, low-grade hum of anxiety. 

The cost of your financial clutter isn't in your bank account; it's in the quality of your life.

Imagine closing every single one of those tabs. 
Imagine the mental space you would get back.

When you're ready to stop paying the mental tax and reclaim your focus, DM "CLARITY".

Let's work. 

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You're the person everyone relies on at work. 

The one who has the answers, who manages the chaos, who delivers. 
You are competent. You are in control.

Then you get home.

And you look at the mess of your own finances; the scattered accounts, the vague goals, the money anxiety you hide from everyone, and you feel like a total fraud.

This is the high-performer's secret. 

Your professional life is a pristine skyscraper, but your personal financial foundation is crumbling. 

The real cost isn't the money you're losing; it's the terrifying, quiet fear that one day, it could all come crashing down.

You don't have to carry that secret anymore. 

You just have to decide that the person you are from 9-to-5 deserves to feel that same confidence at 9 PM.

If this is you, I want you to send me a DM. 

Don't worry about a keyword. 

Just say, "This is me." 

We'll start a real conversation.

Let's work. 

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It's Tuesday morning. 

You're in the thick of it, the meetings, the deadlines, the stress. 

You tell yourself it's all worth it for "someday."

But what does "someday" actually look like?

Be specific. 

If you can't picture it in vivid, granular detail, you're not working toward a dream. 

You're just burning out for a fantasy.

A vague goal has zero power. It won't pull you through the tough days. 

The real cost of not defining your "someday" is that you're sacrificing your life today for a future you haven't even bothered to design. 

You're running a marathon with no finish line, and that’s a guaranteed way to quit.

Your financial plan is useless if it's not connected to a life you actually want.

When you're ready to stop sacrificing for a vague "someday" and start building a plan for a specific future, DM me "TARGET".

Let's work. 

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Every January, ambitious professionals set financial goals. 

By October, most are staring at the same bank account, facing the reality that their intentions produced zero results.

This isn't a failure of ambition. It's a failure of system.

Relying on willpower to manage your wealth is a guaranteed losing strategy. 

Life gets busy, focus shifts, and without a robust system running in the background, your financial goals will always be the first casualty. 

The cost is another year of your high income producing mediocre results.

Professionals don't leave their careers up to chance. 

They use systems. 

It's time to apply the same discipline to your wealth.

We build the financial systems that turn good intentions into automatic, measurable progress. 

To stop the cycle of setting and forgetting, DM "SYSTEM" to learn more.

Let’s work. 

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We Help You Build A Foundation Of Financial Security
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You just saw it on your feed: another friend bought a house. 

Another colleague got a promotion. Another person from college is on a vacation that looks like it costs more than your car.

And that quiet voice in your head starts whispering: "I am so behind."

That feeling is a gut punch. 

It makes your own progress feel worthless. 

The danger isn't the feeling itself; it's what you do next. 

You either panic and think about making a reckless move to "catch up," or you shut down completely because the gap feels too big to close.

The real cost of comparison isn't envy; it's the terrible financial decisions it pushes you to make.

Stop running their race. 

You can't win it. 

The only way to feel true peace and make real progress is to build a plan so solid and so personal to you that their timeline becomes irrelevant.

When you're ready to get off their racetrack and build your own, DM "PLAN".

Let's work. 

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You've done it. 

You built the career, you're making the money, you have the life that looks "successful."

And you are secretly, deeply terrified it could all vanish tomorrow.

That's the part you never say out loud. 

Every time there's a layoff announcement or a market dip, your stomach drops. 

You feel like you're one bad move, one recession, one unlucky break away from being right back at zero.

The real cost of this isn't just the anxiety. 

It's the fact that you can't even enjoy the success you've worked so hard for. 

You're not living; you're just... holding your breath.

You deserve to feel secure. 
You deserve to stand on a foundation, not a tightrope.

If you're tired of holding your breath, send me a DM. 

You don't have to have it all figured out. 

Just start with "I'm ready to build something solid." 

I'll know what you mean.

Let's work. 

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Being the “strong one” sounds good until you’re the one holding everything together: bills, goals, family...and no one’s holding you.

You smile while you’re stressed. 

You say “I got it” even when you don’t.

But here’s the truth: strength isn’t doing it all alone.

It’s saying, “I need help, but I’m not giving up.”

You deserve to feel secure, not just survive.

You deserve to stop worrying every time your phone buzzes with another payment alert.

If you’re ready to stop doing it all by yourself, comment “READY” and I’ll reach out because you don’t have to carry this alone anymore.

Let's work. 

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The holiday music hasn't even started, but you can already feel it, can't you?

That familiar, low-level dread. 

The pressure to buy the perfect gifts, to travel, to host, to show everyone how "well" you're doing. 

A season that's supposed to be about joy starts to feel like a three-month performance that will end with a sickening financial hangover in January.

This isn't just about money. It's about your peace.

The real cost of this cycle is that you can't be present. 

You're so worried about the spending that you miss the moments. You're trading your mental health for a "perfect" holiday that just leaves you feeling empty and broke. You deserve to actually enjoy your life.

If you're tired of this being the most stressful time of the year, I want you to send me a DM. 

Don't worry about a keyword. Just say, "I need a plan for the holidays." 

We'll start there.

Let's work. 

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You make great money. 

You live in a nice place, drive a good car, and never worry about paying for dinner. By every external metric, you are "rich."

So why are you terrified?

Why does the thought of a market correction or a round of layoffs make your stomach clench? 

Because you know the truth: you don't have wealth, you have cash flow. 

Your entire beautiful, expensive life is built on the foundation of your next paycheck.

This isn't success; it's a high-stakes balancing act. 

The real cost isn't the stress; it's the fact that you have no resilience. 

You're not building a fortress; you're just maintaining a facade.
You deserve to have your success feel solid. 
You deserve to build something that can't be taken away from you in one bad quarter.

If you're tired of feeling fragile, I want to talk. 

Send me a DM.

Let's work. 

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Remember that promise you made to yourself last January? 

The one about finally getting your money right?

It’s mid-October. 

The end of the year is no longer a distant concept; it's right around the corner. And that quiet, creeping panic is starting to set in. 

The feeling that another year has slipped by, and you're in the exact same spot you swore you wouldn't be in.

This isn't just about a missed goal. 

It's about the gut-wrenching feeling of being lapped by your own life. 

The cost of this cycle isn't just another lost year of compound growth; it's the erosion of the belief that you can actually change.

Don't wait for January 1st to feel this again. 

You can change the ending of this year's story, right now.

When you're ready to break the cycle and enter the new year with momentum instead of regret, DM "FINISH" to learn more.

Let’s work. 

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Jamilah McCluney

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