fbpx

You Have Questions, We Have The Answers

About Fisecal

Just like the word “physical” in physical activity, or a physical at the doctors, Fisecal gets your money working for you by providing a financial health report. With this you know where you stand now, where you should be and how to achieve financial success.
Fisecal is a team of people, dedicated to helping you understand your finances by working with a real person. We empower you with a dedicated CFP® Professional because we think working with a human who knows your motivations and dreams beats a faceless algorithm. Financial success begins with the relationships our qualified CFP® Professionals build with their clients.
Yes! Fisecal prides itself on providing the best advice to individuals of all income levels, however, we specialize in advising those who are living paycheck to paycheck or have variable incomes (think freelancers and entrepreneurs). We’re pros at stretching every last cent. Our advice is based on the information you share with us about your life, and therefore it’s tailored to your unique circumstances
Fisecal’s sole focus is on improving your financial health and getting you on the path towards financial success, whatever that looks like for you. We help you do this with a dedicated CFP® Professional, who is indeed a real-life person! As much as we love technology, we don’t believe in using robots to help you make better financial decisions. Algorithms are very black and white, whereas humans are not. Some financial planning companies sell users on 3rd party financial products that may not necessarily improve their financial health—in other words some apps and websites push the financial products of other companies in order to receive a commission.

At Fisecal, we’re not here to sell you anything other than a brighter financial future. While other companies have robots that have stringent requirements and rules, our CFP® Professionals can provide you with the help you need, person-to-person, when life throws you a curveball.

Whether you’re a financial planning newbie, have a basic understanding of your finances or just want a second opinion on your current progress, Fisecal can help.

However, our financial planning services are not accessible or less effective in certain situations, such as if you live or have financial accounts outside of the US, haven’t filed tax returns or are in bankruptcy. If you’re unsure if Fisecal could work for you, schedule a free call with us and we’ll see how we can help. We’re here to answer any questions!

Financial Coaching

A Financial Coach can go by many different names, including money coach, financial life coach, certified money coach, etc., but, the goal of Financial Coaching is to teach you the basics of personal finance, create a realistic budget, and help you build healthy money habits.  Fisecal’s Financial Coaches are CERTIFIED FINANCIAL PLANNER™ Professionals who will empower your financial decisions, be your accountability partner and provide you with financial education so you can start managing your money independently. 

Financial Coaching is designed to help you start your financial journey. Working with your Financial Coach, you’ll learn how to:

  • Create a budget that works for you
  • Develop healthy spending and saving habits
  • Build a strong financial foundation
  • Talk through your money stress
  • Learn Financial Literacy

Let’s break down the major differences between Financial Coaching and Financial Planning.

  • Money Stage – Financial Coaching helps you begin your financial journey by building a solid financial foundation while Financial Planning builds on that foundation to achieve long-term wealth.
  • What’s Covered – A Financial Coach focuses on building your financial foundation. A Financial Planner takes a big picture approach when it comes to you and your money to ensure you’re planning for your entire life
  • Goals – A Financial Coach focuses on helping you save for short-term emergencies whereas a Financial Planner helps you set and plan long-term goals, such as retirement, home buying, having a baby, or any other life events.
  • Credentials – Anyone can call themselves a financial coach or a financial planner so it’s important to ensure that they have the designations to back up their experience. Fisecal pairs you with a CERTIFIED FINANCIAL PLANNER™ Professional whether you choose Financial Planning or Financial Coaching.
  • Cost – A Financial Coach will cost less than a Financial Planner due to the limited scope of a Financial Coaching engagement.

Your Financial Coach is here to help you learn how to manage your money as quickly as possible with expert guidance and advice. You’ll be paired with a dedicated CFP® Professional, who you’ll meet during your free introductory call and will become yours throughout your stay with us.

For just $25 per month and no commitment, you’ll be able to speak with your dedicated CFP® Professional once a month, to help you build better spending habits and learn how to manage your money. Plus, unlimited email support means we’re always here to help.

Cancellation Policy: You can cancel at any time, but cancellation will be effective at the end of the currently paid period.

We’re all about helping people succeed financially. So if you feel that this pricing won’t work for your financial situation, please schedule a free call with a CFP® Professional to see how we can help you achieve financial success.

Financial Planning

A Financial Plan provides a more detailed analysis than a budget could ever uncover. It describes your current fiscal state and outlines a clear strategy for reaching your financial goals. A typical Financial Plan contains an overview of your assets, liabilities, income and expenditures; a Financial Health Analysis; Goal Analysis (if applicable to your financial situation); and recommendations for improving your financial health. In addition to these features, Fisecal’s Financial Plan goes one step further by breaking down confusing finance lingo so you can easily understand the factors affecting your financial health and start taking charge of your financial future.
Not at this time. However, by retaining a CFP® Professional, we’ll be able to update your Financial Plan as life happens, adjust your goals/recommendations as needed, and be there for you to stretch every penny.
Fisecal understands that in order to reach your goals, the amount you’re saving now must be as close as possible to what you’ll eventually need. Although no one can exactly predict the future, we use a Monte Carlo Simulation (a system that tells you what you should save today in order to achieve your goals tomorrow) that gets us pretty close. Through this system, we run thousands of different portfolio simulations in order to obtain a savings amount that would meet your savings goal(s) in over 70% of the simulated portfolios.
Our Financial Plans are designed to help you overcome your financial fears by connecting you with a dedicated CFP® Professional, who you’ll meet during your free introductory call and will become yours throughout your stay with us.

For just $50 per month and no commitment, you’ll be able to purchase a Financial Plan and advisor support (all at less than ¼ the monthly cost of retaining a traditional Financial Planner). You’ll speak with your dedicated CFP® Professional once a month, to help you achieve your financial goals. Plus, unlimited email support means we’re always here to help.

Cancellation Policy: You can cancel at any time, but cancellation will be effective at the end of the currently paid period.

We’re all about helping people succeed financially. So if you feel that this pricing won’t work for your financial situation, or you’re looking for financial advice without a Financial Plan, please schedule a free call with a CFP® Professional to see how we can help you achieve financial success.

Security and Confidentiality

Fisecal recognizes that our relationships with our current and prospective clients are based on integrity and trust, so we work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on any information that you share with us, including, but not limited to, your Financial Plan Profile, your personal background information, and your entire financial situation. Fisecal will not disclose your personal information to anyone (including family members) unless it is required by law or at your direction. Additionally, our CFP® Professionals adhere to the CFP® Board’s Code of Ethics and Standards of Conduct, which has the client’s best interest at heart, and can be reviewed here. You can also check out our Privacy Policy, Sharing Privacy Policy, Terms of Use, and Client Agreement for additional information on our privacy and confidentiality policies.

Absolutely. Fisecal uses 256-bit encryption, the same trusted level of protection used by banks. Think of Fisecal as the master dashboard where you can view all of your accounts at once; no financial transactions can be made on your end or our end within our platform. Fisecal is not able to access your accounts or withdraw funds from the accounts you’ve connected to our system. What’s more, we do not store your log-in information for any financial institution.

To us, nothing matters more than the security and privacy of your personal information and data, and we are dedicated to protecting it at all times. By using data security best practices and encryption technology, we ensure that your data can only be seen by you. You can find more information in our Terms Of UseSharing Privacy Notice and Privacy Policy.

Everything Else

Our goal is to provide the support you need to improve your financial health in a way that works for you. In the rare case where our services won’t work for your circumstances, we’ll make sure you understand why and explain what we think are your best options. Plus, we’ll be here for you if, or when, your situation changes.
Absolutely! Relationships add further complexity to financial planning—as do family-oriented goals, like saving for your kids’ college education. Sometimes it takes the help of a professional to get you and your partner on the same financial page, working towards your goals efficiently. Your Financial Plan can be based on your financial information only, or you can add your significant other’s information at no additional charge.
We are not authorized to give tax advice and do not offer tax services at this time. Your CFP® Professional may speak to you about your tax refund or payment to determine if you should increase or decrease your tax withholding, in order to avoid paying the government at the end of the year or receive more money monthly.
We are not authorized to give investment advice and do not offer investment services at this time. Your CFP® Professional may speak to you about how the rate to calculate your goals was determined, but they will not go into specific details about asset allocation or investment rates.
The material contained on this website is for informational purposes only and Fisecal is not soliciting any action based upon such material. Fisecal does not represent that any material provided on the website is accurate or complete and should not be relied on as such.  Reference on the website to any products, services, or links to third parties or other information does not necessarily constitute or imply endorsement, sponsorship or recommendation. Fisecal gives no warranty, express or implied, as to the accuracy, reliability, utility or completeness of any information contained in any electronic document.

Home     |     Meet and Greet     |     About     |     FAQ     |     Contact Us     |     Careers     |     Terms of Use     |     Privacy Policy     |     Sharing Privacy Policy

The material contained on this website is for informational purposes only and Fisecal is not soliciting any action based upon such material. Fisecal does not represent that any material provided on the website is accurate or complete and should not be relied on as such.  Reference on the website to any products, services, or links to third parties or other information does not necessarily constitute or imply endorsement, sponsorship or recommendation. Fisecal gives no warranty, express or implied, as to the accuracy, reliability, utility or completeness of any information contained in any electronic document.

Home     |     Meet and Greet     |     About     |     FAQ     |     Contact Us     |     Careers     |     Terms Of Use     |     Privacy Policy     |     Sharing Privacy Policy

The material contained on this website is for informational purposes only and Fisecal is not soliciting any action based upon such material. Fisecal does not represent that any material provided on the website is accurate or complete and should not be relied on as such.  Reference on the website to any products, services, or links to third parties or other information does not necessarily constitute or imply endorsement, sponsorship or recommendation. Fisecal gives no warranty, express or implied, as to the accuracy, reliability, utility or completeness of any information contained in any electronic document.