When the decision is yours alone.
Private coaching is for clients who want personalized analysis, a tailored strategy and deeper accountability. You can enter after a workshop, webinar or community conversation — or come directly.
Financial Runway
Can I afford my next chapter?
Career Repositioning
What am I positioning myself for next?
AI Fluency
How will I work differently now that AI is here?
Private 1:1 coaching
Personalize • Integrate • Execute
Sometimes the issue cannot be solved in a workshop. Your numbers are different. Your career history is different. Your responsibilities are different. Your options are different.
You do not have to attend a workshop first. You may enter private coaching after a webinar, workshop or community conversation — or come directly if you already know you need personalized support.
Explore the engagement first and decide whether it is relevant to you. Scope, dates and investment follow in a short conversation, so you are choosing the right work rather than comparing numbers.
Financial Runway & Freedom
8 private sessions × 2 hours · Dates agreed at onboarding
A personalized 1:1 engagement using the Clarity-to-Freedom approach to understand your full financial foundation before a major life or career decision. Together we map spending, assets, obligations, runway, financial freedom readiness and transition scenarios, then translate the numbers into a practical decision and action plan.
The objective is to replace financial uncertainty with clarity on:
- Where you are now
- What your current lifestyle costs
- How much runway you have
- What your longer-term goals require
- What financial gaps exist
- Which options your foundation can support
- What must change before a transition becomes viable
Primary outcome
Financial clarity and a practical framework for making next-chapter decisions.
AI Fluency
8 private sessions × 2 hours · Dates agreed at onboarding
A personalized AI fluency engagement built around your actual work, consultancy, coaching practice, business or next chapter. The focus is not generic tools training; it is building useful workflows, prompts and systems for productivity, research, positioning, content, business development and better decision-making.
That may include:
- Performing more effectively in a current role
- Building an AI-enabled consulting or coaching practice
- Research, analysis and knowledge management
- Content creation and business development
- Client delivery and repeatable workflows
- Automating repetitive work
- Packaging expertise into new income options
Primary outcome
A practical AI capability built around your career, consulting practice, business or next chapter.
Pivot Strategy & Career Repositioning
4 private sessions × 2 hours · Dates agreed at onboarding
A focused 1:1 repositioning engagement for experienced women who need clarity on what comes next. We assess realistic pathways, package transferable experience, identify positioning and capability gaps, and build a targeted transition strategy for employment, consulting, coaching, entrepreneurship or a blended portfolio.
The work may include:
- Clarifying realistic next-chapter options
- Assessing different career paths
- Identifying transferable experience and expertise
- Repositioning and packaging your experience
- Exploring consulting, coaching or entrepreneurial options
- Assessing gaps between now and the future you want
- Developing a focused transition strategy
Primary outcome
A clear, positioned and actionable next-chapter strategy.
The Full Pivot
When the decision is not just about career.
The most comprehensive private engagement for women who need to align the three dimensions of a successful next chapter: financial runway, career positioning and AI fluency. It combines the Financial Runway, Pivot Strategy and AI Fluency work into one integrated plan for creating sustainable options and executing the transition.
Financial Runway
Understand the financial foundation supporting your choices.
Pivot Strategy & Career Repositioning
Clarify where you want to go and reposition your experience accordingly.
AI Fluency
Build the practical capabilities required to stay relevant and create new work and income options.
This is for women who do not want to optimize one isolated part of their transition while ignoring the others.
Primary outcome
An integrated next-chapter strategy connecting money, work, relevance and execution.
What this engagement is
Integrated private engagement
Custom schedule agreed at onboarding
Scope, timing and investment are agreed together once we have confirmed the fit. Explore the detail first, or bring your situation straight to a conversation.
Choose the engagement that fits your question.
| Attribute | Financial Runway & Freedom Private 1:1 | AI Fluency Private 1:1 | Pivot Strategy Private 1:1 | The Full Pivot Integrated engagement |
|---|---|---|---|---|
| Best for | Someone asking whether she can financially afford a transition. | Someone who needs practical AI capability. | Someone who needs career direction and positioning. | Someone redesigning her next chapter across money, work and AI. |
| Primary outcome | Financial clarity | AI capability | Career positioning | Integrated next-chapter strategy |
| Scope | 8 private sessions × 2 hours | 8 private sessions × 2 hours | 4 private sessions × 2 hours | Custom integrated engagement |
| How you start | Explore the offer, or book a strategy session. | Explore the offer, or book a strategy session. | Explore the offer, or book a strategy session. | Book a strategy session so we can scope it together. |
| Book a Strategy Session | Book a Strategy Session | Book a Strategy Session | Book a Strategy Session |
Financial Runway & Freedom
Private 1:1- Best for
- Someone asking whether she can financially afford a transition.
- Primary outcome
- Financial clarity
- Scope
- 8 private sessions × 2 hours
- How you start
- Explore the offer, or book a strategy session.
AI Fluency
Private 1:1- Best for
- Someone who needs practical AI capability.
- Primary outcome
- AI capability
- Scope
- 8 private sessions × 2 hours
- How you start
- Explore the offer, or book a strategy session.
Pivot Strategy
Private 1:1- Best for
- Someone who needs career direction and positioning.
- Primary outcome
- Career positioning
- Scope
- 4 private sessions × 2 hours
- How you start
- Explore the offer, or book a strategy session.
The Full Pivot
Integrated engagement- Best for
- Someone redesigning her next chapter across money, work and AI.
- Primary outcome
- Integrated next-chapter strategy
- Scope
- Custom integrated engagement
- How you start
- Book a strategy session so we can scope it together.
Money, direction and capability fail separately.
- Money without direction
- You may know you can afford to leave but still not know what you are moving toward.
- Direction without runway
- You may know exactly what you want but not know whether your finances can support the transition.
- Ambition without capability
- You may know where you want to go but still need the tools and AI fluency to compete and operate effectively.
The strongest next chapter aligns all three.
Career Transition Strategist · Financial Clarity Coach · AI Consultant
- Years of experience
- 20+Years of experience
- Countries worked in
- 35+Countries worked in
Experience matters when the decision matters.
Jane Onoka brings more than 20 years of experience across international development, inclusive finance, institutional advisory work and financial services.
Her career has included work across the World Bank Group / IFC, international development organizations and gender-finance initiatives in more than 35 countries.
She combines that institutional experience with work as a Financial Clarity Coach, Behavioral Finance Advisor and Certified AI Consultant.
Jane created FinSavvy Woman and The Pivot to help accomplished women make significant life and career decisions from a position of clarity rather than panic.
Today, Jane helps women navigate career transitions with greater clarity and intention. She helps them to understand their financial runway, identify their next professional move, and build the confidence to make decisions from a position of choice rather than pressure.
She also helps women strengthen their relevance in a changing world of work by building practical AI fluency. The result is an integrated approach to transition: clarity about where you are, confidence about what comes next, and the skills and financial foundation to move forward.
Her approach combines:
“The objective is not to tell women what decision to make.”
It is to help them build enough clarity to make the decision intentionally.
In their own words.
Turning 40 will have you questioning everything, including your very existence. What if I want to change my career? What if I want to take a career break? How do I prepare myself for university fees for my children? How will I manage my finances, keep my lifestyle, and for how long? These were exactly the questions I had when I started working with Jane.
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If you are a mid-career woman who wants the confidence to make career or life changes, and to have a clear, honest view of your financial runway and what freedom could look like, I would strongly recommend working with Jane. The process was humbling in the best way—it challenged some of my assumptions and helped me reset my expectations based on actual numbers rather than feelings, which has made my choices feel much more grounded and intentional. Her mix of technical know-how, structure, and genuine empathy is rare, and I came out of this feeling calmer and much more in control of what I need to do to get to my personal and financial goals.
Jane gave me something most financial advice never does: real clarity.
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She took me through a full Conscious Spending and Investment Plan, and helped me calculate my “freedom number,” the figure that tells me exactly how long I could sustain my family through a career or life transition before I needed the next job. She also helped me actively plan for the retirement life I want, now, rather than waiting for life to happen or hoping my children will take care of me. Beyond that, she helped me see how to prioritize living an abundant life while still covering what matters most for my family. A full life deserves a place in the plan, not just an apology.
Beyond the numbers, Jane helped me prioritize what’s next: growing my investments and building toward both my children’s future and my own retirement. She also reshaped how I see AI, from a productivity tool to a career agent, and connected me to The Pivot, a community of women now part of my support system.
Rare clarity, wisdom, and generosity. Highly recommend to any mid-career woman ready to take control of her financial story.
I recently completed the IMPACT AI Accelerator, a six week program designed and led by Jane Onoka, and it reshaped how I think about my own consulting practice.
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Jane taught me about AI as a working partner inside a system she has clearly tested many times over. We moved from an honest audit of my 18 years of expertise, to a specific, market ready offer, to an AI toolkit tuned to that offer, and finally to a launch package with real outreach messages ready to send. Nothing in the program felt generic. Every exercise was pulled from my own career, not a template borrowed from someone else's.
What stood out most was Jane's clarity about where AI belongs and where judgment must remain. She has spent over twenty years designing programs across more than thirty five countries, and that depth showed in how she held the balance between structure and space for our own voice. I left with a documented niche, a signature offer, and the fluency to keep building on both. I recommend Jane to any woman who has been carrying deep expertise without a clear package around it.
I was the keynote speaker when Jane launched The Pivot Community in Nairobi in March 2026, and I've watched her build it since: she teaches women 40+ to plan career transitions.
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The Pivot itself rests on three pillars: financial clarity, skills for the AI era, and mindset and purpose. What started in one room in Nairobi now reaches women across Africa, the US, and the wider diaspora.
I've stayed close to Jane's work since that launch, and what stands out is how deliberately she builds: every session, every curriculum choice, every community touchpoint serves the same goal, putting real options back in women's hands.
If you're building something for women navigating change, or you want a partner who understands both AI and the people it's meant to serve, Jane is who I'd call.
Since I began working with Jane, her framework provided me a structured way to think about my finances. Jane’s approach is straight-forward and fact-based without judgement. While this was an intimidating process to start for someone like me who had shied away from discussions about finances, I am now more honest with myself and no longer avoid looking closely at my bank accounts.
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Since working with Jane, I better understand the sequence of how to maximize my finances. Also, I now think differently about my daily financial decisions because I feel more motivated to reach the future life goals Jane helped me identify—I now make tradeoffs without being so impulsive. If you're looking to be honest with yourself about your situation without feeling judged, to get mentally organized and gain a clearer picture of where you are and where you want to be financially, and if you are encouraged by having a framework to support you, I would recommend partnering with Jane.
More client voices
“Jane possesses a rare combination of expertise and genuine commitment. Thanks to her, my finances and self-growth are on a climbing scale.”
“Jane's guidance on meaningful investing in Africa gave me clarity and confidence. A wonderful partner to work with.”
“Jane helped me contextualize my financial goals and create a practical action plan. Her workshops are life-changing.”
“Jane's financial expertise made planning for my retirement stress-free and empowering. Her insights were invaluable.”
Frequently asked questions
Is Financial Runway investment advice?
No. Financial Runway is financial coaching and decision-support education. It does not replace regulated investment, legal, tax or financial advice.
What if I need support in more than one area?
The Full Pivot integrates Financial Runway, Career Repositioning and AI Fluency into a single engagement.
Do I have to attend a workshop before private coaching?
No. You may enter private coaching after a webinar, workshop or community activity — or come directly if you already know you need personalized support.
How much does it cost?
Fees are shared as part of the follow-up, once we know which engagement fits. Explore the offer or book a strategy session and you will receive the investment, the schedule and the payment options for the specific engagement you are considering.
What happens after I enquire?
Jane follows up personally with the detail for that engagement — scope, dates, fees and next steps — and, if it is useful, a short conversation to check it is the right fit before you commit to anything.
You do not need more pressure. You need more options.
The objective is not to predict exactly what comes next. It is to build the runway, the positioning and the capability that let you choose.
Every Tuesday, one clear idea.
Perspective, a useful tool and one thing to act on — for women 40+ navigating career change, money and AI.