The Fiscal Fitness Team

We love what we do. Getting to coach people to become masters of their money is our passion and our life’s work. And we wouldn’t have it any other way.

Fiscal Fitness was born out of a passion to help people stop feeling like they were controlled by their money. We strive to make every client who comes to us know they have the power to transform their lives and take control of their finances.  What began as a side hustle for Kelsa almost a decade ago has grown into a business that helps hundreds of clients every year gain clarity, purpose and peace of mind about their money.

Kelsa Dickey, Owner and Founder of Fiscal Fitness Phoenix

Kelsa Dickey

Owner and CEO

When I was a senior in high school, a college recruiter came to my school and asked me what I wanted to do with my life. I replied, “I want to help people with their money.” To which he replied, “You should become a financial advisor.”

I went to school and received a Bachelor’s degree in Finance, earned the appropriate licenses to practice as a financial advisor (Series 7 and 66 and Health, Life and Disability) then did so for 3 years. It was as a financial advisor that I realized something: There are a lot of people who need help with today’s finances, not tomorrow’s. Financial advisors help you plan long-term, but what about the bill you just received in the mail today?

I went back to school, earned my MBA, and began working in Corporate Finance & Accounting for the next 7 years. During that time, I would help friends and family with managing their money and discovered it was still my passion. Eventually, I was spending every day after work and all day on Saturdays helping people set financial goals, get clear about their expenses and expenditures and create realistic, liveable budgets. I realized it was time to leave corporate America and start my new career as a financial coach.

When I told my friends and family I was going to become a financial coach full-time, just about everyone said the same thing: “It’s about time.” People knew long before I did that this was what I was meant to do.

I have never regretted my decision. I feel truly fortunate that I get to spend my working days doing the thing I’m most passionate about –  helping people plan for and create the lives they want to live.

Kelsa Dickey, Owner and Founder of Fiscal Fitness Phoenix

Jill Emanuel

Lead Financial Coach

I began my professional career as a clinical pharmacist, having gone into the medical profession because I had a desire to help people. After my husband and I found ourselves on the verge of bankruptcy, we looked for help. We found Fiscal Fitness and experienced a life-changing shift in our financial lives once we started working with Kelsa. After we were taught a new method of dealing with money and experiencing its impact on our lives, I realized I wanted to help other people experience that same mental clarity around their finances. I couldn’t shake the feeling that this was what I was meant to do. So I shifted careers from medicine to financial coaching. I decided the best way I could “help people” was by giving them the same gift I was given – financial stability and peace of mind. 

As the lead coach at Fiscal Fitness, I now help other people master their money through planning, budgeting, execution, and accountability. And I am on a mission to help others gain control of their finances and start living the life they dream of.

Michael Dickey

Owner and Director of Corporate Training

I didn’t start my career as a financial coach. Much like Jill, my former profession had nothing to do with finances or budgeting. True story: When Kelsa and I were dating in college, she started balancing my checkbook after I overdrew my account a couple of times. I was a Certified Athletic Trainer for 15 years – including a short stint with the Harlem Globetrotters – before I jumped into coaching with Kelsa.  I immersed myself in financial knowledge, literature, and training once I decided to make the leap, all the while getting hands-on experience with the best financial coach I know (my wife, of course).

Today, I lead the Fiscal Fitness Corporate Wellness Program – teaching small and large groups of employees “how to do all this money stuff.” My passion is in showing employers just how easy and beneficial it can be for them to truly support their employees in financial education and empowerment. I also am the executive producer and host of the Fiscal Fitness podcast, The Saver and The Spender. Follow us where ever you get your podcasts.

Sheri Edwards

Client Concierge

When you call Fiscal Fitness, my voice is likely the one to say hello and how can I help you. As the Client Concierge, my main job is making sure our clients feel informed and satisfied with their experience with Fiscal Fitness. In addition, I keep Fiscal Fitness running smoothly by answering questions, keeping schedules and accounts straight, and managing the robust online communities we’ve built on Facebook.

I joined Fiscal Fitness at the start of 2019 and was immediately drawn to how inviting, warm and positive Kelsa, Michael and Jill are. I couldn’t pass up the opportunity to work with them and be around their infectious energy. It’s also been great to soak up the knowledge they generously offer about all things finance. I’ve never been so good at tracking my money down to the very last cent.

My two young kids over the past few years have helped me improve my organization (as a working mom, I had no choice), so I have no problem juggling several tasks at a time. It’s what I do best. I’m happiest when I know my support and assistance helps someone else’s day go just a little more smoothly. When I’m not at Fiscal Fitness, I love spending time with my two kids, painting (it’s way more relaxing than parenting), and cooking. I’m not a master chef but I’m also not afraid to experiment with putting my own spin on a recipe.

Carmen and Alex

Future Financial Coaches

Carmen is the perfect blend of both her daddy and mommy. She’s laid back like her dad, but a bit of a determined, perfectionist like her mom. And she’s full of life, like them both. Alex officially became a member of the family in 2019, but it’s hard to remember what life was like pre-Alex. He’s smart, silly, and like most toddlers, very active. Carmen and Alex are the reason Kelsa and Michael work so hard, and the main reason they like to step away from the office too.

Interested in doing what we do?

Check out the Financial Coach Academy, and start making other people’s financial dreams come true.