Dollars & Sense Financial Fitness

Dollars & Sense Financial Fitness provides advisory services to individual clients (including those described as high-net-worth) through ongoing portfolio management, financial planning, and one-on-one financial coaching. The firm creates an Investment Policy Statement for each client and delivers tailored advice based on goals, time horizon and risk tolerance.

The advisor evaluates clients’ existing holdings against documented risk tolerances and uses a mix of cyclical and fundamental analysis with a long-term trading orientation to construct portfolios; management is carried out on a non‑discretionary basis and clients are asked to custody assets at Schwab Institutional. The brochure states the firm operates as a fiduciary for all clients and provides a written acknowledgement of that status in compliance with ERISA/IRS rules.

Notable differences from many peers include the firm’s very small scale—four client accounts and $800,000 reported in non‑discretionary assets—and an explicit offering of financial coaching using the Dave Ramsey “7 baby steps” and a debt‑snowball approach. The adviser also limits its investable universe to specific vehicle types (for example, mutual funds, ETFs including those focused on precious metals, REITs, TIPS and certain foreign securities), does not participate in wrap‑fee programs, and discloses use of custodial‑related research (soft‑dollar) benefits.