FAQ 2018-01-01T12:38:46-07:00

Fiscal Fitness is empowering individuals and couples to change how they spend and save money by offering financial coaching services in Phoenix, AZ and around the United States. In our work, we come across the same questions over and over again from people. Here are a few of them.

Are you going to try to sell me stuff? 2017-06-14T21:40:16-07:00

As a financial coach, my focus is purely on a person’s day-to-day money. I don’t sell investments or insurance, nor do I take payment or kickbacks from any third-party product or service so I have no ulterior motives. My sole focus is on the client, their needs and their goals.

I’ve tried budgeting before. It doesn’t work for me. All you do is budget? 2017-06-14T21:38:45-07:00

My approach is nothing like the typical budgeting approach. It’s proactive and much more fluid than the standard, rigid, strict approach to budgeting. Imagine a system that shows you the impact of a decision you make today on an upcoming paycheck, future month or current goal? My system gives you that structure and my coaching teaches you how to make decisions within that structure while pushing you to do even more.

How can I afford to pay you when I can barely even pay my own bills? 2017-06-14T21:37:54-07:00

I struggled with this a lot when I first started but I’ve seen time and time again that my fee more than pays for itself. I will find more in the budget than what I charge. I will get them to put more in savings or pay down debt than they have ever been able to and most importantly, I teach them how to do it so it continues long after they’ve worked with me. I’ve often said that my fee is an investment.

Why would I need to pay someone to budget for me? 2017-06-14T21:37:06-07:00

I often times equate this to hiring a personal trainer. We could all go to the gym, but many of us won’t. And even if we do, we won’t push ourselves as hard. There’s a great level of accountability, motivation and most importantly, greater results when working with someone. Also, managing our money is a skill, much like cooking, painting, or even a sport. Some people are really gifted and talented in these areas and some are gifted with managing money. Those people don’t need me, but for those who want to learn how to be good at it, that’s who I help. I also joke very honestly about how I’m a terrible cook… and when I say that, no one thinks less of me or thinks I should be embarrassed about that. Yet for some reason, when it comes to money, people feel ashamed about not being fabulous at it.

I don’t live anywhere near Phoenix. Can I still work with you? 2017-06-14T21:36:10-07:00

Absolutely! All you need is a computer and a phone! Web conferencing is an option for all of my sessions. I simply send you a link that takes you to a secured virtual meeting place. We can chat and even see each other (if you have a camera on your computer). You will be able to view my screen as we work through your budget, spreadsheets or other presentations.

I own my own business but I just want help with my personal budget, is it ok if I just do an Individual Eureka session? 2017-06-14T21:35:28-07:00

I get this question a lot but I require partnering with you on both your business & personal finances simultaneously. Most importantly, these two are so connected that I love creating a “marriage” between the two- where both your personal AND professional goals are being accomplished financially & one is not pulling from the other. Second, while we could probably put a solid strategy in place for just one, a mishap in the other could cause that plan to fall apart. Finally, owning a business allows me a greater level of creativity and flexibility with your expenses and cash flow that unless I can see both, you miss out on this valuable accounting knowledge & expertise.

What can I expect from a financial coach? 2017-06-14T21:34:49-07:00

The best way to begin is by scheduling your EUREKA! Session. This session is incredibly valuable but it can also help you determine whether more intense coaching is necessary or desired. During this meeting, we discuss your financial situation in depth but you also have the opportunity to ask questions and voice any concerns or hesitations. The EUREKA session is designed to allow us enough time based on the complexity of your financial situation – Individual, Couples, and Small Business Owners.

You have no obligation to work with us after this session so you have nothing to lose! Once you decide you’re ready to get control over your finances, the work begins! Together we create a plan for your money. Once this plan is established, we don’t simply send you on your way. We are with you every step of the way- continuously monitoring your budget, holding you accountable, establishing habits, and tackling unexpected hurdles right along side you!

The next few sessions will be used to make some positive and empowering changes toward a more secure financial future. We are results driven so we won’t simply be giving you ideas or general concepts. With Fiscal Fitness coaching, we will work through specific steps or tasks to give you back control while learning how to manage your finances on your own.

Why do people use a financial coach? 2017-06-14T21:34:05-07:00

Here are just a handful of reasons people usually come to us:

  • You have no idea where your money goes
  • Money is a big stressor in your life
  • You have a goal you’re not sure how to tackle- college, education, retirement, a new house, a big vacation
  • You and a significant other are not on the same page
  • You “make good money” yet things still seem difficult
  • You’re not in control of your money
  • You can’t make ends meet
  • You recently experienced a life change- marriage, divorce, graduation, job change, child birth
  • You are about to experience a life change
  • You know what you should do but need some accountability
  • You feel in control but would you like an objective opinion or perspective
What’s the difference between financial coaching and financial advising? 2017-06-14T21:33:24-07:00

Your financial advisor has the ability to broker various products for you- insurance, stocks, bonds, mutual funds, etc. At Fiscal Fitness, we do not sell any financial products.

Our goal is not to sell you anything, but to teach you and empower you to manage your money in a smart, satisfying, and promising way. Our services are fee-based only; we commit to serving you without compromise.

We do not accept payment from investment advisors, insurance providers or other financial services allowing us to keep our clients’ interest as our only concern. Before you can gain any benefit from a financial advisor, you need a solid foundation. It’s in building this foundation and creating smart money habits where we come in!

What is financial coaching? 2017-06-14T21:30:42-07:00

Most people know to call a financial advisor for advice on investments or long-term finances. But it’s also okay to need help with more of the day-to-day things like balancing your checkbook, paying bills, budgeting or simply getting things under control. Trying to juggle all the ins and outs of our money is not easy and chances are, no one sat you down and showed you what to do! If money causes you stress or you feel as if you’re not in control, a financial coach is perfect for you.

Maybe you’re having trouble making ends meet, or maybe you have plenty of money to cover your bills, but don’t know where you’re going financially or how to get there. Your needs are unique. Our coaching services can help guide you through your special circumstances, teach you how to take control of your situation, and create a plan to tackle your goals.