FAQ

Have a question? We have assembled answers to our most frequently asked questions below. Need more help? Just send us an email and our support team will respond within 1 business day.

Frequently Asked Questions

What will the money coaching program do for me?

Simply put, MSA is the most complete financial wellness program available anywhere. The whole purpose of the program is to help our members overcome whatever financial challenges they may be facing. Through a trustworthy partnership, members build a strong and secure financial future, increase wealth and improve net worth.

What is the difference between a financial advisor and a Money Coach?

While these two terms seem very similar, they are actually quite different. A traditional financial advisor’s job is to manage your money for you, make suggestions and ultimately get paid for doing it. The fees can be based on transactions, commissions or a number of other factors.
A Money Coach, on the other hand, assists and advises with the end goal of teaching you new habits. They are salaried employees, and unlike most financial professionals, they truly have nothing to sell. Their sole focus is helping members improve their financial lives through one-on-one confidential and unbiased coaching relationships.

What subjects can I discuss with my Money Coach?

Subjects include but are not limited to:

  • Debt
  • Credit
  • Spending
  • Mortgage
  • Student Loans
  • Identity Theft
  • Divorce
  • Bankruptcy
  • Short Sales
  • Taxes
  • Retirement
  • Investing
  • Life/Health Insurance
  • And more...

Are consultations over the phone or in person?

Consultations with your Money Coach are held over the phone.

Can my spouse/partner join me during consultations?

Of course — and we highly recommend it! Not in the same location? Not a problem. Your coach can teleconference your spouse/partner into the call.

How long are the consultations?

Consultations with your Money Coach are typically thirty minutes in length.

How often do I meet with my Money Coach?

Time between consultations varies by individual. On average you will meet with your Money Coach every seven to fourteen days.

How long is the program?

That’s up to you. Many members choose to work with a Money Coach for only a few months while others have never cancelled their Money Coaching program. Whether your time with us is short or ongoing, you will receive lasting benefits and intelligent support.

What experience does a Money Coach have?

Our staff of financial professionals has an average of twenty years of relevant professional experience, and each possess multiple certifications from the financial services industry. Designations and accreditations:

  • AFC® (Accredited Financial Counselor)
  • CCRR® (Certified Credit Report Reviewer)
  • CDFA™ (Certified Divorce Financial Analyst™)
  • Certified Credit Counselor
  • CFEd® (Certified Financial Educator®)
  • CFP® Professional(Certified Financial Planner™ Professional)
  • CITRMS® (Certified Identity Theft Risk Management Specialist)
  • CMPS® (Certified Mortgage Planning Specialist®)
  • CPA (Certified Public Accountant)
  • CRTP (CTEC California Registered Tax Preparer)
  • CSA (Certified Senior Advisor™)
  • EA (Enrolled Agent)
  • Fair Credit Reporting Act (FCRA Certification)
  • FRS™ (Fraud Resolution Specialist™)
  • Former Bankers

When is my Money Coach available to talk?

Mon - Fri: 6:00 a.m. - 8:00 p.m. PST

Is my information kept confidential?

Yes, we do not sell or share your information with third parties.

Is my information kept secure?

Absolutely! Our servers go through rigorous testing every day to provide the highest level of security and ensure the maximum level of protection against identity theft, hackers, and other online threats.

How does MSA protect my information?

MSA Wallet (Our PFM Software) is a read-only platform and uses 256-bit SSL encryption to send information. It is backed by some of the most stringent monitoring systems, including VeriSign, McAfee, Norton and TRUSTe.

How much does this program cost?

Your employer has paid for a portion of this benefit (typically 30, 90, 180, or 365 days). Once the employer-funded period expires, you can elect to pay on a month-to-month basis. Unlike most financial professionals who charge $150.00 per hour or more, you may continue after your employer-funded period for only $39.95 per month for as long as you wish.

What is the response time if I submit an inquiry?

We strive to answer every inquiry as quickly as possible; in most cases you will hear from us within 24 hours.