One mission, three ways in

Financial confidence,
built for everyone.

Fresh Start Financial creates the tools and guidance people need to take control of their money — from hands-on nonprofit consulting to an AI assistant that lives in your pocket.

Meet FSF Consulting Discover FIONA
Our products
The Directory

Three products. One goal.

Whether you want a person in your corner or an assistant on your phone, we meet you where you are.

Nonprofit Consulting

FSF Consulting

Our nonprofit consulting branch pairs people with real advisors to build budgets, tackle debt, and grow lasting savings — accessible guidance without the sales pitch.

  • One-on-one budget & debt coaching
  • Certified consultants, mission over margin
  • Personalized savings & wellness plans
Explore FSF Consulting
Your Planwith a certified consultant
Debt payoff68%
Emergency fund$4,200
Monthly savings+$320
✓ On track for a fresh start
AI Assistant · Mobile App

FIONA

Your AI financial support for a smarter future. FIONA tracks your net worth, watches your cash flow, and answers money questions in plain language — right from your phone.

  • Net worth & cash-flow at a glance
  • Ask FIONA anything about your money
  • Secure bank linking via Plaid
Explore FIONA
FIONA app home screen — Hi Omar, financial overview showing $24,530 net worth up 8.7%, +$1,220 cash flow this month, a 23% savings rate, and linked Chase Checking, Bank of America, and Vanguard Investment accounts
Research Hub

FIONA Insights

Our research hub — original data, reports, and plain-language analysis on money, markets, and financial wellness. We turn complex trends into clear takeaways that power FIONA and our consulting.

  • Original research & market reports
  • Plain-language financial analysis
  • Insights that guide FIONA & coaching
Explore FIONA Insights
FIONA Insights
The State of Household Savings
Report No. 04 · 2026
Fig 1. Savings rate by income cohort
SavingsDebtMarkets
Careers

Help build a fresh start for everyone.

We're a small team with a big mission — hiring across FIONA, FSF Consulting, and beyond. If you care about making money less stressful for real people, we'd love to meet you.

View open roles Apply now
FIONA Senior iOS Engineer → FIONA AI / ML Engineer → FSF Consulting Financial Wellness Consultant → Company Product Designer → See all open roles →
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Ready for your fresh start?

Pick the path that fits — talk to a consultant, or put FIONA in your pocket today.

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