Pure Advice, Planning, & Doing

Who We Help

We can help owners of businesses that are currently size 1 , 2, and 3- some of this is through group courses, project planning, flat fee personal finance and hourly advice.

Owners of firms size 4 and 5 often have more needs and more options when it comes to growing, harvesting their value, and need to create different business models.

Business size 6 and 7 have more complexity and sophistication, but also have more options for Value Acceleration, High Performance Tuning, Exit possibilities and owner freedom.

How We Help

Doing, not just Advice and Planning.

1. Bold & Action-Oriented
Advice is everywhere. Action isn’t.
We help you go from knowing to doing- clicking the button, signing the form, and making real progress toward your goals. Jump over the execution gap.

2. Clear & Confident
Plans don’t change lives. Actions do.
We walk with you step by step-so your to-do list turns into real momentum.

3. Conversational & Warm
You don’t always need more advice. You do need help getting it done.
We’re here for the follow-through- so you actually move forward with your money, not just think about it.

We help businesses prepare for all the transitions they go through as owners and operators. One of the core things owners need is preparing for growth across all their core areas, ensuring systemic sustainable success and resilience in changing markets.

Where We Help

📍 Who We Serve – Across the Region and Beyond

At Pure Financial Advice, we deliver transparent, flat-fee financial planning to individuals, families, and business owners who want simplicity, clarity, and alignment between their money and their values. Based in Southern Illinois, we serve clients locally and virtually throughout the Midwest and across the U.S.

🔴 Primary Service Area – Southern Illinois Communities

We’re proud to serve our local community with personalized planning services that address real-life financial questions, transitions, and goals. We regularly meet in-person with clients in:

• Carbondale

• Marion

• Carterville

• Murphysboro

• Herrin

• Harrisburg

• Du Quoin

If you live in Southern Illinois and want an advisor who understands your world, we’re right here for you.

🟣 Secondary Service Area – Regional Midwest Clients

We work closely with clients throughout Illinois, Indiana, Missouri, and Kentucky — especially those looking for an advisor who can work virtually while still providing thoughtful, human advice. Key towns and cities we serve include:

• Paducah, KY

• Cape Girardeau, MO

• Evansville, IN

• Mt. Vernon, IL

• Belleville, IL

• Owensboro, KY

• St. Clair County (Metro East IL)

This is a great fit for families and business owners who want values-based planning without sales pressure or asset-based fees.

🟢 Tertiary Service Area – Extended Midwest Cities

Many of our clients are referred by family members or fellow business owners and may be located farther out — especially in metro areas such as:

• Springfield, IL

• Decatur, IL

• Bloomington, IL

• St. Louis, MO

• Louisville, KY

• Clarksville, TN

• Indianapolis, IN

We help clients in these cities build comprehensive, fee-only financial plans that bring peace of mind — from education funding to retirement income strategies.

🌐 Virtual Planning – Across Most the U.S. and World

Our flat-fee financial planning model works just as well over Zoom as it does across a kitchen table. That’s why we’re able to serve clients across the country, including the 5 US territories and 3 freely associated states

• American Samoa

• Guam

• Northern Mariana Islands

• Puerto Rico

• US Virgin Islands

• Federated States of Micronesia (FSM)

• The Republic of the Marshall Islands (RMI)

• The Republic of Palau (Palau)

We do not normally take clients in Texas, Louisiana, California, Oregon, or Washington for inhouse investment advisory work. Exceptions can be made per Black Swans Advisors policy. But we often find finding and working with a local advisor for you is best way to serve you.

If you're seeking unbiased, transparent financial advice - with no sales pitch or hidden agenda... we’re ready to help, wherever you are. Virtual financial planning from a flat fee, no-commission financial advisor.

Design Strategy Planning

Empowering small businesses through principles, frameworks, and best practices.

Value Growth Guidance

We help businesses prepare for growth across all their core areas, ensuring systemic sustainable success and resilience in changing markets.

Exit Prep to Post Strategy

For business owners within 10 years of exiting, but we also have late stage services for those within 5 years of exit. Looking to transition or exit successfully, maximizing value and ensuring a smooth process, comes sooner.
You are not selling simple property; it is a running entity that has most of it's enterprise value locked up in unmined intangibles assets. Not gathering up your intangible value is like leaving a bunch of money mixed into a pile of leaves... whether you burn it or let it rot out from under you, it is still gone.

Strategic Design & Business Planning

We help businesses prepare understand all their core areas, how they contribute to value, what their opportunity cost is, and how to find the hidden levers of enterprise value that drive growth, profit, and cashflow.

Get in Touch

Reach out to us for personalized financial planning tailored to your small business needs.