Questions, answered.

They sit on a scale of depth and duration. Clarity is a single 60 minute conversation for a specific moment of decision. Essential is a self-guided digital programme you work through at your own pace. Momentum is ongoing 1:1 coaching for people who want regular accountability, a minimum of three months. Transformation is the most intensive level, sustained higher-touch coaching for a bigger, longer-arc change, a minimum of six months.

If you just need to think something through properly, start with Clarity. If you know what needs to change and prefer working through it in your own time, Essential is built for that. If you know a single session or a self-paced course won’t be enough on its own, Momentum or Transformation give you ongoing support. If you’re not sure, book a Clarity session first. It’s the lowest commitment way to find out.

You’ll pick a time that works for you, and the details of the session get confirmed after booking. It’s a focused 60 minutes exploring your situation, priorities and what needs to change, and you’ll leave with a clear, practical action plan.

Essential is built to work independently: five modules taking you from where you are now through to a practical action plan, with lifetime access so you can revisit it whenever you need to. If you find you want more direct support as you go, Momentum and Transformation are there for exactly that.

Momentum is £499 a month with a minimum three month commitment, or £1,497 paid upfront for the three months plus a fourth month included, free. Transformation is £749 a month with a minimum six month commitment, or £3,745 paid upfront for the six months plus a further month included, free. After the minimum term, it’s a rolling arrangement that continues until you choose to stop. Get in touch before signing up if you want the specifics confirmed for your situation.

Both. The three areas of focus, Growth, Performance & Lifestyle, and Exit & Succession, apply just as much to a founder-led business as a larger leadership team. Every engagement starts with a conversation about what’s actually going on before anything gets scoped.

Every engagement is scoped individually, whether that’s ongoing advisory, fractional leadership support, or a focused workshop. Get in touch and the first conversation will establish what’s actually needed and what it would cost.

Real financial literacy and financial education built as two separate propositions: age-banded courses for parents to work through with their child, and a standalone course for young adults aged 18 and over, addressed directly to them.

Parents of children aged 5 to 18 who want to raise money-smart kids, and young adults aged 18 and over who want to build their own financial independence. There’s a dedicated course for each age band.

Four bands: Starting Out for ages 5 to 7, The Money Gap for ages 8 to 11, Taking Charge for ages 12 to 14, and Getting Ready for ages 15 to 18. Each one builds on the last.

No. It’s financial education, not regulated financial advice. It’s about building understanding and good habits, not recommending specific products or investments.

No. A parent or guardian holds the account for anyone under 18, even for the courses aimed directly at teenagers. The 18 and over course is the first one a young adult can hold in their own right.

Each module combines a short piece to read, a one-page guide with real questions to work through, and a hands-on activity. It’s web-based to start, with a mobile app planned for later.

Yes, all five courses are live now: Starting Out, The Money Gap, Taking Charge and Getting Ready are £49 each, and Real Independence is £79. Each is a one-off purchase that gets you every module straight away.

Every JOH. Money course is a one-off purchase, not a subscription: £49 for lifetime access to Starting Out, The Money Gap, Taking Charge or Getting Ready, and £79 for Real Independence.

Click the “Get” button under any course in the JOH. Money section, that takes you straight to secure checkout. Once you’ve paid, you’re taken straight to that course’s page, and it’s yours to keep and come back to whenever you like.

Format is confirmed when you book, based on what works best for the two of you. Get in touch if you have a preference and it’ll be sorted out directly.

Personal Coaching is about you: your own direction, decisions and momentum. Business Consultancy is about the business: growth, performance or what comes next for it. If you’re still not sure, send a short note about what’s going on and you’ll get pointed the right way.

Email joe@joeohara.co.uk, or use any of the enquiry buttons around the site. Both go to the same place.