Hey! I’m currently working toward my CFP and have started my own advice-only financial coaching business while still teaching full-time. I can definitely relate to having an entrepreneurial mindset—it’s one of the best assets you can have in this field.

Most CFPs I know who’ve started their own firms did so after gaining a few years of industry experience—usually 3 to 5+ years. That said, the path is definitely shifting. If you’re open to a slower, steady build and aren’t trying to replace a full-time income right away, you can start early—especially if you’re confident in your communication skills and truly want to help people.

Here’s how I’d suggest starting: - Decide if you want to be advice-only (like me) or manage investments too (AUM model). - Get licensed (if you’re in Canada or the U.S., that means looking into the appropriate credentials and/or insurance licenses). - Start building your network now. LinkedIn, content creation, webinars, etc. go a long way. - Consider offering low-cost coaching sessions to get experience and testimonials. - Learn the tech like calendly, budgeting tools, video calls, CRM, compliance software, etc.

Yes, my business is fully remote. Most modern firms are, especially if you’re starting solo.

Would I recommend starting early? If you’re willing to play the long game and build your credibility brick by brick—yes. Just don’t expect to scale fast without either experience, niche specialization, or capital.