The sessions
Premier includes four 1:1 video sessions a year — quarterly — with a credentialed financial counselor (a CFP or AFC). Book them in the app; reschedule freely with a day's notice. Come with questions or just with your plan; the counselor sees what you choose to share.
Who the counselors are
Certified Financial Planners and Accredited Financial Counselors — real credentials, held by real people under confidentiality obligations. Sessions are educational and planning-oriented: they help you understand and decide, but they aren't personalized investment advice, and nobody will ever sell you a product in one.
The guarantee, mechanically
- At onboarding you set one outcome with the Coach, in dollars — a $1,500 net savings increase, $3,000 of card debt cleared, a three-month emergency floor funded.
- It's measured from your live accounts, not from any report.
- If you complete at least 80% of the recommended moves on time through the year and the outcome isn't hit at month 12, we refund the year's Premier fees, less $5 for each paid month (at most $60) — for example, twelve months at $34.99 = $419.88; refund = $359.88. Claim within 30 days of month 12; approved refunds are issued within 30 days.
- No appeals process. The numbers decide, not a committee.
Phone support
Premier members can also reach support by phone. The number is in the app under Settings → Support — published there rather than here so it stays a member line, not a queue.