A Coach’s Mindset. A Proven System. Built for First Responders.
At Financial Fitness, we combine professional coaching experience with strategic financial
guidance to help you build a clear, confident path forward. As a former teacher and pro-level
coach, I’ve built systems that lead to real results — and now I bring that same approach to your
finances.
We start with a free Financial Snapshot and Gameplan, then use our proprietary core concepts
designed specifically for the challenges first responders face. The result? A personalized strategy that fits your life and gets you moving in the right direction — fast.
This is the discipline that makes the First 5 last. It’s the locker room culture behind your game plan.
Your Foundation for Financial Strength
Every winning team starts with the basics. These are the five moves that get you in the game and keep you strong.
1. Secure Your Six™
Protect Every Angle
Life insurance covers your family if something happens to you, and long-term care prepares you for the what-ifs of aging. A living trust keeps your estate private, avoids costly probate, and makes sure everything is handled your way. When your six is secure, you’ve got peace of mind that your bases are covered.
2. Rapid Response Fund™
Be Ready Before the Sirens Sound
Build a cash cushion for life’s surprises. Car breaks down, medical bill shows up, hours get cut—you’re ready. Having quick access to cash keeps stress low and puts you in control.
3. Detain Your Debt™
Take Back Your Freedom
Debt steals freedom. Credit cards, car loans, student loans—we put them in check with a clear plan. Detain your debt so you can free up your cashflow and build wealth instead of paying interest.
4. Boss Your Budget™
Control the Cashflow
Start simple. Take a 30-day glance at your budget to see exactly where your money is going. Once you understand your cashflow, you can start building small, consistent habits that create big change over time.
5. Exercise Your Money™
Build Financial Strength
Money is like muscle—it only grows when you put it to work. From retirement accounts to investments, we show you how to build wealth step by step. Exercise your money so it builds strength for your future.
Who We Are
Meet Matthew Barnes, the driving force behind Financial Fitness. With a deep passion for empowering people to reach their financial dreams, Matt blends his diverse expertise in athletics and finance to offer a fresh approach to wealth-building.
As a former professional and college soccer coach, he knows firsthand how discipline, teamwork, and strategic planning pave the way for success. Now, Matt channels that same coaching energy into guiding clients with personalized financial strategies, practical education, and unwavering support to help them achieve lasting financial fitness.
Meet the Owner
Matthew Barnes
Introducing Matthew Barnes, a seasoned professional with a passion for empowering individuals to achieve their financial goals. With a diverse background in athletics and finance, Matt brings a unique perspective to delivering professional financial guidance.
A former professional and college soccer coach, he understands how discipline, teamwork, and strategic planning translate to financial success. Now, Matt leverages those same coaching skills to help clients build wealth through personalized strategies, actionable education, and dedicated support.
What sets him apart? His unwavering commitment to demystifying finance and helping others unlock their potential, one tailored plan at a time.
Don't Just Take Our Word...
Schedule a Meeting
Take the first step toward financial confidence today. Schedule your personalized 1-on-1 session with Matt Barnes, your personal finance coach.
Together, we'll create a clear path to reduce money stress, answer your questions, and help you master saving, investing, and debt-free living - so you can focus on what matters most.
Coffee With Coach
Achieve Your Goals
Financial Fitness empowers individuals and families with the financial education, tools, and strategies they need to manage debt, improve credit, build savings, and achieve lasting financial wellness, strengthening long-term stability and fostering economic resilience in communities.
FUNDAMENTAL FINANCIAL EDUCATION
Our goal is to simplify money management by focusing on what really matters. We don’t just give advice, we teach you how to master the fundamentals. Through one-on-one coaching and practical resources, we help you build real skills in budgeting, saving, tackling debt, and smart investing. Ultimately, we want you to feel confident and informed as you create financial security your way.
DEBT FREEDOM
We know how overwhelming personal debt can feel, and we’re here to alleviate the burden. Our team of personal finance coaches specializes in creating tailored plans to help you break free from debt, overcome stress, and build lasting financial resilience. It’s not just about quick fixes; we focus on holistic support to keep you on track long-term.
SAVING AND INVESTING
​We believe building a stable financial future begins with in-depth guidance and a personalized approach. Led by an experienced financial planning advisor and licensed investor, our team provides the knowledge and tools you need to develop successful saving and investing strategies.
We start by getting to know you through one-on-one consultations, where we identify your specific financial goals and comfort with risk. From there, we create a customized investment plan designed to put you on the path to long-term financial security. Our mission is to empower you at every step of your financial journey, helping turn your aspirations into achievable realities.
INCOME AND ASSET PROTECTION
At Financial Fitness, we specialize in protecting what matters most: your family's financial well-being. We help safeguard your income and assets through tailored solutions like term life insurance, living wills, and trusts, giving you peace of mind during life's uncertainties.
Understanding that every family's needs are unique, we take the time to assess your specific situation and goals. Our financial planning advisor provides personalized guidance to select the right term life insurance policy, ensuring your loved ones remain financially secure no matter what the future holds.