What exactly is financial wellness?
Financial wellness is the state of having complete confidence in your financial life — knowing your money is protected, growing, and aligned with your goals. It combines cash flow health, debt management, savings adequacy, investment growth, and protection coverage into a single holistic score.
How do I qualify for a personal loan?
We evaluate credit history, income stability, debt-to-income ratio, and employment. We work with borrowers across the credit spectrum — from excellent (740+) to rebuilding (580+). Pre-qualification takes 3 minutes and doesn't affect your credit score.
What interest rates can I expect?
Personal loans range from 5.99% to 24.99% APR depending on creditworthiness. Mortgage rates are tied to market conditions plus your profile — we typically beat bank rates by 0.25-0.75%. Your advisor will lock the best available rate for you.
How long does loan approval take?
Personal and credit loans are typically approved within 24 hours and funded within 1-3 business days. Mortgage pre-approval takes 48 hours, with full closing averaging 28 days. Our technology and network of 80+ lenders make this possible.
What documentation do I need to provide?
Basic: government-issued ID, 2 recent pay stubs, 2 months bank statements, and most recent tax return. Self-employed applicants add 2 years of tax returns and P&L statements. All uploads are secure through our encrypted portal.
Can I combine multiple services?
Absolutely — and we encourage it. Bundling services unlocks significant savings. For example, clients using loan + wealth planning + tax advisory save an average of 22% on combined fees versus purchasing separately. Bundling also creates a single, unified financial strategy.
Do you work with my existing financial advisor?
Yes. We happily collaborate with your existing CPA, attorney, or advisor. Many clients use us for specific services (like lending) while retaining their primary wealth advisor. We'll coordinate seamlessly with them.
What is the minimum investment for wealth planning?
Our Starter tier begins with $0 minimum — perfect for building foundational wellness. Professional tier is ideal for portfolios from $50,000+. Premium tier caters to high-net-worth clients with $500,000+ in investable assets. All tiers include the same advisory quality.
How are your fees structured?
We operate on transparent flat-fee monthly plans (no percentage of assets, no hidden commissions). Loan origination fees are disclosed upfront. Advisory fees are all-inclusive of meetings, reports, and plan updates. No surprises — ever.
Do you offer virtual consultations?
100% yes. While we have a physical office in Dyersburg, Tennessee, 92% of our clients across all 50 states work with us virtually. HD video consultations, secure document sharing, and digital signing make remote service feel personal and seamless.
