Dollars & Sense Financial Fitness
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Dollars & Sense Financial Fitness is an independent, solo adviser that serves individuals and high‑net‑worth individuals with ongoing portfolio management, written financial plans, and financial coaching. The firm works with a very small client base and explicitly offers budgeting and debt‑reduction coaching, including the Dave Ramsey “7 baby steps” approach.
The firm builds a tailored Investment Policy Statement for each client and uses cyclical and fundamental analysis to implement long‑term trading strategies across mutual funds, ETFs (including precious‑metal ETFs), REITs, TIPS and non‑U.S. securities. Accounts are managed on a non‑discretionary basis—clients retain trade approval—and the firm does not aggregate trades for multiple client accounts.
Compared with many peers, all reported assets are non‑discretionary (no discretionary AUM), the firm requires clients to custody with a specific provider (Schwab Institutional) and receives related research/soft‑dollar benefits, and it delivers financial planning primarily as a one‑time engagement with additional services available for a fee. The combination of a very small client roster, explicit coaching services, required custodian use, and no block trading distinguishes its operating model from larger independent advisers.
Client services
Expertise
Fee options
$0 - $5,000: 0.00% $5,001 - $100,000: 0.50% $100,001+: 0.50%
$300 per hour
Main office
Bowling Green KY
Advisors at this office
1
Most active in
Kentucky · Texas
Also doing business as
Dollar & Sense Financial Fitness LLC · Dollars & Sense Financial Fitness · Dollars & Sense Financial Fitness LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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