FREQUENTLY ASKED QUESTIONS
WHAT IS FINANCIAL FITNESS?
Financial Fitness is a fitness-inspired approach to help our clients’ handle their finances. Like a regular gym, you pay a low monthly membership fee; but unlike a regular gym, your monthly fee includes a dedicated financial coach who works with you one-on-one to help you set financial goals, creates a financial plan tailored to your financial situation, and supports you along the way. Are you Financially Fit? Please take a moment to complete our Financial Assessment. This survey contains a series of questions that assesses your Financial Fitness Health.
WHERE IS FINANCIAL FITNESS LOCATED?
Stewart Solutions is a Virginia-based company with a national reach! We work with clients all over the US. Even if you’re miles away you’ll feel like you have your financial trainer right by your side. Whether you are local or across the world, we can meet when it is convenient for you! In fact, about 50% of our clients train virtually. We work with people across the country, in all time zones and it’s no problem to accommodate your schedule and give you full service. Everything included in a membership is included for virtual members, and some people even like it better because they don’t have to leave the comfort of their own home to meet their money goals!
I WANT TO SIGN UP. HOW DO I GET STARTED?
t’s easy to get started on your Financial Fitness journey. First, we recommend you schedule a free 60 minute consultation at a date and time that works best for you. Click here to schedule. During this free consultation, we will ask you some basic questions to better understand your needs and get to know you so that we understand your unique financial situation. We will also discuss "What To Expect" with a Financial Fitness Membership. If you would like to Sign Up, please submit a form and a member from our team will contact you. You can also view and choose a membership plan by browsing our Plans and Pricing.
WHAT DO I GET WITH MY FINANCIAL FITNESS MEMBERSHIP? WHAT’S INCLUDED IN THE PRICING?
You get a financial trainer who is trained in all areas of personal finance including budgeting, debt elimination strategy, expense management, credit management, investing, student loans, retirement planning, taxes, estate planning, behavioral finance, raising money-smart kids, and building a legacy for your family tree. The process starts with what we call our Financial Warm-Up Session where you lay it all on the table without any judgment so we can really understand your current financial situation. I don’t care how you got here, we only care about where you want to go and this session gives us a great idea for both where you are financially and where you want to go.
Afterwards, roughly a week or two later, you'll receive a financial plan tailored to your financial situation and money goals. We will have a detailed meeting to discuss your financial plan and discuss any questions you may have.
From there, we will have accountability check-ins. These are 15-30 minute sessions. The purpose of these meetings are to:
- See what progress you made the prior two weeks (planned vs spent.... no cheating!)
- Discuss any challenges or setbacks you may have encountered
- Hold you accountable and maintain focus on your goals
- Plan your next two weeks of spending to keep you trending towards your goal
Additionally, depending on which membership plan you select, you will have monthly coaching sessions to touch base. For these monthly coaching sessions, your financial coach will check in with you to check your progress, address any challenges, make changes (as necessary) to your financial plan, etc. Also, if you want to connect for a quick call or video chat you have access to your coach at any time via email and your trainer will always reply to you within 24 hours -- that’s our policy.
After 3 months of working your Financial Fitness Plan, you will have a Quarterly “Weigh-In”
During this 1-hour session, we will:
- Take a deep dive into the progress you have made on your Financial Fitness Plan
- Determine which milestones you have achieved and celebrate those wins no matter how big or small
- Determine which milestones you fell short of and identify the root cause for your setback
- Assess whether or not you are on track to achieve your money goals
WHAT TYPES OF GOALS DO WE HELP CLIENTS TACKLE?
As a Financial Coach, we help clients identify critical financial goals and create road maps to achieve their money goals. Types of goals we coach clients on include but are not limited to:
- Budgeting and Spending Plans
- Building an emergency fund
- Navigating credit card issues, Managing student loan debt, and Paying off debt
- Buying a home and Paying off a home early
- Saving for a wedding, college, retirement
- Personal and Business tax return preparation
- Strategies for parents to raise money-smart kids
- Investing, Insurance, and Estate approaches
HOW LONG DO I HAVE TO KEEP MY MEMBERSHIP OR STAY ON AS A CLIENT?
Although we work on a month-to-month membership, we do suggest all clients stick it out for at least 6 months to really see your hard work come to fruition. Your first three months of your financial training plan will lead you to the first quarterly review. Once that is complete, we see our clients really hit the ground running in their second quarter and make tremendous progress! 100% of our clients see success after six months with us. We believe so strongly in our program that we offer a money back guarantee after six months of working Financial Fitness.
WHAT ARE YOUR MONEY BACK GUARANTEE TERMS?
Have you ever heard of a financial services company that will guarantee your money? What kind of financial planner says: don’t worry, if you don’t hit your targets, we’ll refund your investment? We will! The terms around the Money Back Guarantee are simple: if your net worth does not increase by greater than what you pay in your first 6 months, we will give you your money back! To be eligible, you need to have attended all coaching sessions during the guarantee period and do at least half of the tasks assigned to you. This is about us both having skin in the game: you do your part and we’ll do ours, and we’re confident you’ll see a positive result, which is why we back it up with the guarantee.
ARE YOU GOING TO TRY TO SELL ME PRODUCTS OR MANAGE MY MONEY?
Unlike other financial advisors, we don’t have any products to sell you and we don’t manage your money. What we will do is educate and empower you to help you do it yourself.
I KNOW I COULD DO MORE TO BECOME FINANCIALLY HEALTHY BUT I’M SCARED YOU’RE GOING TO PUT ME ON A DIET AND THIS WILL BE A MISERABLE PROCESS. AM I RIGHT TO BE SCARED?
We know that talking about money can be tough. Rest assured, we’ve seen it all—the good, the bad, and the deeply in debt—and nothing phases us. We will help you overcome your biggest hurdles with confidence. Just like a personal trainer at your gym, your financial coach gives you expert guidance, cheers you on, and holds you accountable in ways that nothing else can! You’ll be working hard, but you’ll never be alone and we promise to always make it fun.
DO YOU WORK WITH COUPLES?
Definitely. In fact, some couples have told us it is a better investment than couples therapy. The #1 cause of marriage problems is due to money. Be proactive and intentional to avoid marriage and money issues. Our focus is on working through your goals as a team so that you’re both on the same page as far as your money goals. Strong communication and couples merging their finances is challenges, you don't have to navigate it alone. We will help you work together as a team to accomplish your money goals and build an even stronger relationship. Pricing for couples is different than for individuals, but less than paying for two individual memberships.
DO YOU WORK WITH PEOPLE WHO ARE ALREADY FINANCIALLY FIT AND WHO ARE LOOKING TO BECOME FINANCIALLY ELITE FITNESS?
Yes! Other than 1% of the population, everyone can be doing more to enhance their finances. For financially fit clients who come in, we help them invest more aggressively, save more, negotiate for more money, build wealth, leave a legacy for their family, estate planning, etc. We’re that person for them to keep checking in with and stay on track. And frankly, even a financially fit client will fall off the wagon sometimes and need someone to help get things back in order. Or life happens and a new goal pops up and they want an adviser to reassess the plan and incorporate that new goal. That’s why, when people ask us if clients ever “graduate” from Financial Fitness, it varies from person to person: just like with physical training, some people just want to learn the tips and train themselves, while others see value in having someone by your side for the long haul.
I LOVE FINANCIAL FITNESS! HOW CAN I BRING IT TO MY COMPANY FOR COLLEAGUES TO ENJOY?
We offer a fabulous menu of corporate programs:
- Trainer on Demand virtual unlimited training access
- Lunch and Learns
- Money and Cocktails
- On-Site Trainer Hours
- Webinars and more
If your questions haven't been answered, contact me directly or utilize the chat feature to submit an inquiry.