How Fitness Finance Pro Started
Fitness Finance Pro was born from a simple conversation that uncovered a powerful truth: we were both working with the same people, just in different ways.
As a personal trainer and fitness studio owner (Jennifer) and a financial planner and retirement specialist (Jeff), we realized our clients shared the same goals — to feel better, live longer, and enjoy a more secure future. And just as often, they shared the same struggles: burnout, lack of direction, overwhelm, and the pressure of trying to “do it all” without a clear plan.
We kept seeing the same pattern — people who were motivated to improve their health and finances but didn’t know where to start, or worse, kept sabotaging one area while trying to improve the other. So we decided to combine our perspectives and offer something different: a conversation that connects the dots between physical wellness and financial wellness.
That conversation became Fitness Finance Pro — a podcast and platform for people who want to get strong, stay focused, and create a life that’s built to last.
Our Shared Mission
At Fitness Finance Pro, our mission is to empower people to take control of their health and wealth without chasing trends or burning out. We believe sustainable success comes from intentional, informed action — whether that’s in the gym or in your financial plan.
Together, we offer real-world guidance, honest conversations, and expert advice for building a strong body, a strong financial future, and a more balanced life.
Jennifer Scherer
Jennifer is the founder of Fredericksburg Fitness Studio, established in 2008 after she graduated from the University of Mary Washington with a degree in Biology and a relentless passion for health and wellness.
As a lifelong learner and advocate for whole-person health, Jennifer went back to school in 2020 to pursue her Master’s in Nutrition—Lifestyle Management and Disease Prevention. After completing a rigorous 1,600-hour dietetic internship, she became a board-certified Registered Dietitian Nutritionist in 2022.
As a dedicated fitness and nutrition professional, Jennifer has spent over a decade guiding clients toward balance—physically, emotionally, mentally, socially, and spiritually. Her approach is rooted in the belief that health isn’t one-size-fits-all, but a personal journey of self-discovery and empowerment.
Jennifer’s mantra, “Love yourself enough to lead a healthy lifestyle,” captures the heart of her work. She believes that respecting your body through movement, whole foods, restorative sleep, and daily joy is not only essential—but an act of self-love. Her work has been recognized in numerous outlets including CBS Channel 9, FOX 5 DC, Virginia Living, CNN Radio, HuffPost, USA Wire, and the Free Lance-Star.
Outside the studio, Jennifer lives in Fredericksburg, Virginia with her husband, Jeffrey B. Smith. Together, they enjoy hiking, kickboxing, playing tennis, and escaping to warm tropical destinations whenever they get the chance. Whether she’s coaching clients or catching a sunset on the beach, Jennifer brings the same energy and intention to everything she does: helping people live fully, move freely, and love their lives.
Jeffrey B. Smith
Jeffrey is the founder of The Retirement Smith, where he helps individuals and families design personalized retirement income strategies that support their goals, values, and dreams.
With a guiding philosophy rooted in the golden rule—treat others the way you wish to be treated—Jeff approaches financial planning with empathy, clarity, and integrity. Jeff began his career in financial services shortly after graduating college in 1998, where he studied political science with a focus on economics and conflict resolution.
Initially referred to a large insurance company, he quickly discovered the meaningful impact he could have by helping people prepare for their future. Driven to serve more deeply, Jeff became an independent agent in 2002 and founded The Insurance Smith.
In 2017, Jeff passed the Uniform Investment Adviser Law Examination (Series 65) and became an Investment Advisor Representative with Gradient Advisors, LLC—marking a shift in his practice to a fiduciary model. Today, Jeff operates two distinct but complementary businesses: The Insurance Smith, which provides insurance solutions, and The Retirement Smith, which focuses on investment advisory services. His mission is to make high-quality, personalized financial guidance accessible to clients at every income level.
Jeff’s insights and community efforts have been featured in The Free Lance–Star, NPR Radio and Fortune Magazine, where he is recognized for educating the public on the importance of planning for their financial future.
Outside of the office, Jeff lives in Fredericksburg, Virginia with his wife, Jennifer Scherer. An activity seeker and creative spirit, Jeff enjoys hiking, cycling, running marathons, playing guitar, cooking, painting in oil on canvas, reading, writing, and exploring the world alongside Jennifer. Whether guiding clients or chasing his next adventure, Jeff brings purpose, heart, and craftsmanship to everything he does.
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