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Juliano Financial Solutions

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Waterloo, IL
Juliano Financial Solutions

Helping individuals, families, and small businesses reduce stress through financial coaching and convenient mobile notary services. Based in Waterloo, IL.

10/12/2026

💰 Money Monday

You and your partner didn't learn about money in the same house.

It sounds obvious, but it's something we don't always think about when we start combining our lives—and our finances—with someone else. Maybe money was talked about openly in your family. Maybe it was something no one discussed. Maybe you watched your parents stretch every dollar. Maybe money was rarely a source of stress. Maybe you learned to save because having money set aside makes you feel secure. Your partner may be more comfortable spending money now and figuring out the rest later.

Those experiences follow us into adulthood, and they can influence how we think about spending, saving, debt, security, and even what it means to be “good with money.” That doesn't automatically make one person's approach right and the other's wrong. Sometimes, before you can figure out how you want to handle money together, it helps to understand why each of you handles money the way you do.

❤️ This is one of the conversations at the heart of the work I've been doing on Marriage & Money. More on that soon.

💰 Juliano Financial Solutions
Reducing Stress by Helping People Get Organized

10/09/2026

❓ FAQ Friday: Do I Travel for Notary Appointments?
YES! 🖊️🚗
That’s the whole idea behind offering mobile notary services — I come to you.
Appointments can take place at your:
🏠 Home
🏢 Office
🏥 Hospital
🏡 Nursing home or assisted living facility
📍 Or another mutually agreed-upon location

Sometimes getting to a notary is inconvenient. And sometimes, because of health, mobility, work schedules, or other circumstances, it can be downright difficult.
Mobile notary service brings the notary to you, helping make one more thing a little easier.

📍 Serving Monroe, Randolph & St. Clair Counties in Illinois
📅 By appointment

10/08/2026

📂 Organization Thursday: Financial Paperwork

Financial paperwork has a way of piling up fast. Bank statements. Receipts. Insurance documents. Tax paperwork. Loan information. And that random stack of papers you’re keeping because you’re pretty sure you might need them someday.

Getting organized doesn’t mean keeping everything. A good system helps you know:
✔️ What you actually need to keep
✔️ Where to keep it
✔️ When you can finally let it go

Paper or digital—the best system is the one that makes it easy to find what you need when you need it.

A little organization now can save a whole lot of stress later.

10/06/2026

🖊️ Notary Tip Tuesday: Expired ID
Can you use an expired ID for a notarization?

If you're relying on an identification document to verify your identity, it needs to be valid at the time of the notarization. In Illinois, acceptable identification documents used for this purpose must be issued by a state agency, federal government agency, or consulate and include your photo and signature.

So before your appointment, take a quick look at that expiration date. It's much easier to catch an ID issue before I arrive than when we're sitting there ready to sign.

Not sure whether the identification you have will work? Reach out before your appointment and we can talk through what you have.

📍 Mobile Notary serving Monroe, Randolph & St. Clair Counties in Illinois
🌐 julianofinancialsolutions.com

10/05/2026

💰 Money Monday

Your bank balance is not your budget.

It's really easy to open your banking app, see money sitting in checking, and think, Okay, I have money to spend. But how much of that balance is actually available?

Some of it may already be spoken for. Your mortgage or rent may not have cleared yet. Your electric bill might be due next week. You may have money set aside for groceries, gas, insurance, or another upcoming expense. That's why looking at your account balance alone doesn't always tell you how much money you actually have available to spend.

A budget helps you see the difference between money that's in your account and money that doesn't already have somewhere else to go. Before making a purchase based on the number in your checking account, take a quick look at what's still coming out. The balance tells you what's there. Your budget tells you what's available.

💰 Juliano Financial Solutions
Reducing Stress by Helping People Get Organized

10/02/2026

❓ FAQ Friday
Will you judge me for my financial situation?

No. ❤️

You don't need to have your finances figured out before meeting with a financial coach. In fact, that's kind of the point.

Maybe you've made some decisions you wish you could change. Maybe you have debt you're embarrassed about. Maybe you make good money but still aren't sure where it all goes. Or maybe you've tried budgeting before and it just never seems to stick.

I'm not here to tell you everything you've done wrong.

Financial coaching is about figuring out where you are now, understanding what's actually happening with your money, and deciding where you want to go from here.
We'll look at the numbers together, talk through what's working and what isn't, and build a plan that makes sense for your actual life—not some imaginary perfect version of it.

You don't have to get your finances “in order” before asking for help getting them organized. ❤️

💰 Financial Coaching
📍 Juliano Financial Solutions
Reducing Stress by Helping People Get Organized

09/29/2026

🖊️ Notary Tip Tuesday
Oath vs. Affirmation — what's the difference?

If I suddenly ask you a very formal-sounding question during your notary appointment, I promise I'm not trying to make things weird.

When a document requires a jurat, part of the notarization includes administering an oath or affirmation. In Illinois, a jurat requires this additional step. So what's the difference?

An oath is a solemn promise that what you're stating is true and traditionally may include a reference to a higher power. An affirmation is also a solemn promise that what you're stating is true, but without a religious reference.

Different words. Same purpose: you're declaring that the statements you're making are true. Illinois law recognizes a verification upon either oath or affirmation. So if you hear your notary asking you to “swear or affirm,” there's a reason for it—it's part of properly completing that type of notarization.

09/23/2026

💼 Behind the Business Wednesday

Remember that financial coaching program I've mentioned I've been working on?

Well...here it is.

Marriage & Money. ❤️

This program has actually been part of Juliano Financial Solutions for a while, but after working through the original version with clients, I realized there were things I wanted to change.

And once I started changing things...apparently I decided I might as well rebuild almost all of it. 😆

I've been going through the program piece by piece—reworking the sessions, updating questionnaires, rebuilding client materials, creating new resources, and setting up the systems behind everything.

It's been a lot of work, but I'm really excited about where it's going.

Marriage & Money isn't just about creating a budget together. It's about the conversations that come before the numbers—your experiences with money, goals, expectations, responsibilities, communication, spending, saving, debt, family, and what you want your financial life together to look like.

There's still some work left to do, but I'm getting closer.

More on Marriage & Money coming soon. ❤️

09/22/2026

🖊️ Notary Tip Tuesday

Can a mobile notary come to a hospital?

Yes. I can meet signers at hospitals and other healthcare facilities in Illinois when someone needs a document notarized and can't easily travel to a notary.

But hospital appointments can be a little different from a typical notary appointment.

Before I come out, I'll ask a few questions to help make sure we're prepared for the appointment—including what type of document you have, who needs to sign, whether witnesses are required, and what identification the signer has available.

Most importantly, the signer needs to be able to communicate with me and understand what they are signing. If I'm unable to complete the notarization, I have to stop the appointment.

A little preparation before I arrive can make the process much easier for everyone—especially during what may already be a stressful time for the signer and their family.

Need a mobile notary at a hospital or healthcare facility?
Juliano Financial Solutions provides mobile notary services throughout Monroe, St. Clair, and Randolph Counties.

🖊️ Mobile Notary Services
📍 Illinois Notary Public

09/21/2026

💰 Money Monday

Your budget isn't supposed to stay the same forever.

Income changes. Bills change. Kids grow up. Expenses you didn't have six months ago suddenly become part of everyday life. Goals change. And sometimes something completely unexpected happens.

Your budget should be able to change too.

One of the reasons I don't believe in a one-size-fits-all budget is because your financial plan needs to work for your life right now—not the life you had six months ago or the budget you originally created.

If something isn't working anymore, that doesn't automatically mean you've failed at budgeting.

It may just mean it's time to look at the numbers again, adjust your priorities, and make a new plan.

A good budget isn't rigid. It's realistic.

Address

Waterloo, IL
62298

Opening Hours

Monday	5pm - 8pm
Wednesday	5pm - 8pm
Friday	5pm - 8pm
Saturday	9am - 5pm
Sunday	12pm - 6pm

Telephone

+16185109223

Website

http://www.julianofinancialsolutions.com/

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