Welcome to the Financial Advisor Success Podcast, where you go behind the scenes with

financial planner, speaker, and consultant Michael Kitsis to hear stories of how leading financial

advisors navigated the inevitable challenges that arise on the path to success and get

insight from leading industry consultants about how to break through to the

next level in your advisory business. And now here's your host, Michael Kitsis. Welcome, everyone.

Welcome to the 42nd episode of the Financial Advisor Success Podcast. My guest on today's podcast is

Carol Craigie. Carol is the co-founder of Fiscal Fitness Clubs of America, a financial wellness company that

aims to expand the reach of financial advice using a combination of online education and group

classes.

What fascinating about Carol's business, though, is that while the idea of providing financial

advice in a group format may seem alien to the traditional financial service industry,

the reality is that it's already established as an effective model amongst psychologists and is used

for a wide range of successful counseling programs, including Weight Watchers and AA. And not coincidentally,

Carol's training before she joined the financial service industry herself. She has a degree in

psychology and a master's in counselor.

In this episode, we talk in depth about how financial advice can be delivered in a group

format, the highly structured way that Fiscal Fitness Clubs takes clients through its process,

starting with a series of eight taking control classes, followed by an ongoing series of

monthly action classes, all built around

focusing on cash flow first, tackling the underlying issues that cause money stress, and the

idea that breaking up financial self-improvement into a series of small, bite-sized tasks that

can be accomplished every month is more effective. Using the group format as a way to create

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