Strengthen your profile. Get positioned for capital.
Financial profile development, capital strategy and business setup for people working toward a home they own, a business of their own and something to leave behind. You get a plan in writing. You make every decision.
- Veteran-Owned Business · U.S. Army
- 13+ Years in Financial Services
- Certified FinTech Consultant
Know exactly where you stand
Take the free Capital Readiness Score. Answer 10 questions in about two minutes and see your file the way a lender reads it, before you apply anywhere.
Your answers stay private. Your score shows the moment you finish.
Six pathways to financial strength
Most firms offer one or two of these. We offer all six, so your profile, your business and your capital plan are handled in one place by one strategist who knows your whole picture.
01Financial Profile DevelopmentKnow what lenders see before they see it$199 onboarding, billed when your roadmap is delivered. Then $149/mo, billed after each month's work
We review your full financial picture, show you how underwriters read it and build your roadmap to capital readiness. You learn your rights. You make every decision. You stay in control.
- Complete financial profile analysis and baseline assessment
- Education on your rights under federal consumer protection law
- Account structure, utilization, and positioning strategy
- Monthly strategy sessions with documented progress reviews
- Lender-ready documentation and presentation preparation
Who this is for
Anyone who has been denied, received unfavorable terms, or wants to position their profile for a major purchase or capital application.
This is a financial education and consulting service. Specific score outcomes are not promised. Results vary based on individual financial history and bureau processing timelines.
02Business Capital StrategyMatch your business to the lenders that fit it10% of capital received, $500 minimum, invoiced after your capital closes
Capital planning for your LLC. We compare your business profile with the capital sources that fit it, then build your application plan around your EIN and the strength of your entity.
- Business financial profile assessment
- Gap analysis and pre-application preparation
- Lender-ready documentation packaging
- Matching to appropriate capital sources based on your profile
- Application strategy and ongoing account management guidance
Who this is for
Business owners who need capital for working capital, startup costs or growth.
This is a consulting and education service. We do not lend money or broker loans. Institutional decisions are made solely by the lender.
03Business Foundation SetupStart your business the right way$497 + state fees at cost
Your full entity setup: state filing, EIN, operating agreement, business address, phone, directory listing, D-U-N-S number and bank account. Our target is a fully working business in 14 days.
- Entity type selection and state filing guidance
- EIN registration and operating agreement setup
- Business banking strategy and account recommendations
- Business address and virtual office setup
- 90-day business foundation roadmap
Who this is for
Entrepreneurs starting a new venture or existing business owners who need to restructure for better financial positioning.
This is a business consulting and education service. It does not constitute legal advice. Consult a licensed attorney for legal guidance.
04Account History PositioningStrengthen your profile with established account historyStarting at $497 per authorized user account
We add you as an authorized user on an established account in good standing, then track how that account reports on your profile.
- Positioning strategy consultation and education
- Authorized user addition on an established account in good standing
- Profile impact analysis before any positioning
- Integration with your overall profile development roadmap
- Bureau reporting timeline guidance
- Ongoing monitoring and milestone check-ins
Who this is for
Clients working toward a specific profile milestone or preparing for a major capital application who want to accelerate their timeline strategically.
As an authorized user you do not receive a card, the account number or the ability to make charges. How the account appears on your reports depends on each bureau, and some lenders do not count authorized user accounts. Results are not guaranteed.
05Grant Readiness & ResearchCapital you don't pay back or give up ownership for$497 research + $997 per application
We research grant opportunities matched to your business, prepare your application package, and manage submission from start to decision.
- Grant eligibility research across federal, state, and private sources
- Application narrative and budget documentation strategy
- Submission calendar aligned to grant cycles and deadlines
- Compliance and reporting framework for awarded grants
- Ongoing grant pipeline so applications never go dormant
Who this is for
Veteran-owned, women-owned, minority-owned, and industry-specific businesses ready to pursue non-dilutive capital through structured grant applications.
This is a research and consulting service. Grant awards are not promised. Grant decisions are made solely by the granting organization.
06Personal Capital StrategyA plan for personal capital, in the right order10% of capital received, $500 minimum, invoiced after your capital closes
Once your profile qualifies, we map the right institutions and put your applications in order to protect your profile as you apply.
- Personal financial profile review and gap analysis
- Lender selection guidance based on your current profile
- Personal loan application strategy and preparation
- Card qualification positioning by tier
- Utilization strategy as you open new accounts
- Pre-application checklist for personal capital products
Who this is for
Anyone who wants to access personal loans or cards but has been denied, received low limits, or does not know where to start.
This is a financial education and consulting service. We do not lend money or issue cards. Decisions are made solely by the lender or card issuer.
A clear path from first call to capital
Every client follows the same four steps, built on 13+ years inside the financial system. No guesswork. You always know what comes next.
- 01
Book your strategy call
Schedule a 30-minute call with CEO Jace. We review where you stand, your capital goals and your timeline, then decide together if we are the right fit.
- 02
Receive your custom roadmap
We analyze your full profile and build a written, step-by-step plan around your goals: profile development, business foundation, capital positioning or all three.
- 03
Execute with expert guidance
We work through every phase with you, from profile development to entity structure and lender positioning, with clear milestones and steady support.
- 04
Position for capital & legacy
Once your profile is strong, we guide your capital applications so you can buy, build and leave something that lasts.
This is a financial education and consulting service. Results vary based on individual financial history, consistency, and bureau and lender processing timelines. No specific outcomes are guaranteed.
Start with step oneInside the systems that control access to capital.
Book a consultationSoldier. Strategist. Gatekeeper-turned-guide.
Jessica Coleman, known to clients as CEO Jace, is a U.S. Army veteran and certified FinTech consultant with 13+ years inside the institutions that decide who gets capital.
She built JC3 Wealth Legacy Group for one reason. Her community should have the same knowledge the gatekeepers use: the playbook lenders, underwriters and capital allocators rely on every day, turned into a plan you can actually follow.
Today she and her team guide clients through all six services. They meet people where they are and walk with them to where they want to be.
Prefer email? jace@jc3wealthlegacy.com
What you need to know before we start
Is JC3 a credit repair company?
No. JC3 Wealth Legacy Group is a full-service financial consulting firm. We are not a credit repair organization as defined by the Credit Repair Organizations Act. We offer financial profile development, an education-based approach to helping clients understand and strengthen their financial profile over time.
How long does it take to see results?
Every financial profile is different, so we set a realistic timeline with you on your first call. Capital timelines depend on your current personal or business profile and the type of capital you are pursuing.
Do you promise a specific score or capital amount?
No. Any company that promises a specific score or capital amount is not being honest with you. We provide expert guidance, proven strategies, and consistent support. Results depend on your individual profile, your consistency, and how the bureaus and lenders process updates.
What do I need to get started?
For financial profile development: access to your reports from all three bureaus. For business capital strategy: your ID, recent statements, your EIN and your formation documents. For business foundation: your business name ideas and state of registration. For grant readiness: your business profile and ownership details. We walk you through everything else.
How do I pay for services?
You pay securely through our website. We accept all major cards. A 3% processing fee applies to credit card payments. Payment plans are available for select services.
Do you work with clients outside of Atlanta?
Yes. All consulting services are available remotely via video call, phone, and secure messaging. We serve clients across the United States.
What is account history positioning?
Account history positioning adds you as an authorized user on an established account in good standing, so that account's history can appear on your reports. You do not receive a card or the ability to make charges. We first review whether it fits your profile, then build it into your overall plan. How the account reports depends on each bureau, and results are not guaranteed.