Pre-Sale Special >>
 

Have you been through a financial hardship and you need to get your financial house in order?

 

Are you starting a new phase of your life

and need to maximize your credit score and build your finances?

 

Are you doing well and are seeking to maximize your wealth potential? 

 

Building a foundation for wealth takes consistent healthy habits.

 

Learn what habits matter to maximize your credit score and

set your foundation for wealth with the F.I.T. Wealth Plan.

“My purpose is to empower communities to build a solid foundation for legacy wealth."


- Ravena B. Lottie, Esq.

Message from the  Course Creator

 

My purpose is to empower our communities to build a solid foundation for legacy wealth and I have created the ultimate course and resource hub to do just that and take your finances to the next level!  

 

Through my bankruptcy practice for the past twenty years, I have helped many people use bankruptcy as a tool to overcome the financial set-backs created by poor money management, job loss, business closure, divorce, and death. After that I helped my clients who were struggling to rebuild their finances and credit after bankruptcy so that they could fully benefit from the fresh start that the bankruptcy process intended. 

 

They were able to maximize and maintain their credit scores, acquire loans and credit at lower interest rates, set  financial goals, create working budgets, purchase new homes and cars and most importantly, continue on their path toward living the life they want to live.  

 

Transformation begins with education.

 

Combining my purpose with my education and training, I created the F.I.T. Wealth Plan, a course designed with evidence based tools and proven actions steps to help you maximize and maintain your credit score and build  a foundation for legacy wealth.

 

F.reedom  I.ntegrity  and T.ransformation are the cornerstones of the F.I.T. Wealth Plan.

 

It's time to level up your finances.  You deserve the life you want to live!

 

The F.I.T. Wealth Plan is an investment in you and your future.  Start your journey F.I.T. Life today!

 

Cheers to a F.I.T. Life!

 

- Ravena

 

About Ravena >>

F.I.T. Wealth Plan

FREEDOM  ~ INTEGRITY ~ TRANSFORMATION

 

The F.I.T. Wealth Plan is a self-paced system to help you:

 

Build a Strong Financial Foundation

Begin Wealth Building

Maximize Your Credit Score

TESTIMONY

No co-signer necessary!

I will be graduating in May.  Thanks to you, my credit score is 756.  I qualify for an apartment in NY without a co-signer.  Thanks for all your help!  I will share the info with my friends.  All of them need co-signers.

Gerard L. (Senior in college)

TESTIMONY

My credit score went up!
My Experian score went up today!  I did what you said and  my credit score has increased by 41 points. Now I am beating my brother's score. Pure joy!  He is so mad.  I can not wait to hit 800 first.  Thank you for your help!
Chris B. (Millineal)

The F.I.T. Wealth Plan walks you through the building blocks to set your foundation for wealth building.

 

Our primary goal is to teach you wealthy habits and how to make smart decisions about your
money, credit, and your financial well-being so you have skills that serve you for life.
 
There are no get rich quick gimmicks or guaranteed results.
 
Building a foundation for wealth takes consistent action.
 Wealth is a long game.
 
You'll need focus and have a willingness to actually do the work for this transformation.

What 's included...

✔ strategies to increase your credit score based on the habits of 800+ credit score achievers

✔ the 5 biggest factors that impact your credit score

✔ how to increase your credit score & decrease your interest rates

✔ credit building tips

✔ best practices to pay off your creditors and eliminate debt

✔ which credit score really matters

✔ how to negotiate with creditors

✔ how to clean up the errors on your credit report and increase your score

✔ how to create multiple streams of income

✔ how to protect your assets

✔ how to align your thoughts and your actions with your goals

✔ where you stand financially

✔ your money goals and set a plan to reach them

✔ the optimal way to eliminate your debt

✔ how to read your credit report

✔ how to legally correct your credit report to optimize your credit score

✔ how to maximize & maintain your credit score,

 

The FIT Wealth Plan was realized after years of helping people to transform their financial life using strategies and principles based on the habits of wealthy people.

 

Using these proven strategies, you will lay the foundation to build wealth and maximize and maintain your credit score.

 

 Upon completion of the program, you will gain the transformation of financial freedom.

TESTIMONY

On the Right Track!

You were a blessing to us in our time of need. Things are really well....the studio is Awesome and my husband is keeping busy with work. We are on the right track and working on staying ahead of the game, being more disciplined with our lifestyle and working towards our future retirement!

Thanks Again and God Bless You and Your Family!

Lisa P. (Entrepreneur)

TESTIMONY

Monthly Financial Check up!

At the beginning of the year, when my husband found gainful employment, we sat down together to work on a budget. It was the first time we had BOTH been engaged in understanding and putting pen to paper what our financial expectation for our household should be going forward. We are both committed to having a financial checkup once a month, to ensure we are both well versed and abreast of where we are at the end of each month. This gives us both accountability for our financial situation. We are at a point where we can actually put money in saving again, and don’t have heartburn over paying bills anymore. We even set up a household bank account which is something we’ve never done in all our 14 years of marriage.

Thank you again for all of your help through this process, and taking the time to answer our questions (big or small) in a way that we could understand it.

The Therrells (married with children)

Limited Time

PRE-SALE SPECIAL

You'll receive the entire 8-Module F.I.T. Wealth Plan
+
a full resource library of supplemental training, advice, and masterclasses
 

PLUS!

You'll receive 3 months FREE in the F.I.T Wealth Private Facebook Group
 

PLUS!

a private 45-minute consultation with your F.I.T. Coach

(this alone is a Value of $199)

 

Yes, I'm Ready to live a F.I.T. Life!

Building Block ONE 

F.I.T. Mindset

You will intentionally align
your thoughts and your actions with your goals.
 
identify negative thoughts that may be
harming your financial health
 
intentionally align your
thoughts with your goals

Building Block TWO 

F.I.T. Assessment

You will learn your net worth,
your cash flow, and your credit score.
 
personal cash flow analysis
 
calculate your net worth
 
pull your current credit scores

Building Block THREE

F.I.T. Money Goals

You will analyze your priorities, set solid financial goals, and develop your budget so that you will have a comprehensive spending plan to meet your financial goals.
 
identify your financial goals
 
create a working budget
to meet your financial goals

Building Block FOUR 

F.I.T. Debt Elimination Plan

The optimal way to pay off credit card debt, student loans, and installment loans.
 
learn strategies to paying off credit card debt, student loans and other installment loans
 
learn best practices in negotiating
your debt with a creditor

Building Block FIVE 

F.I.T. Spending + Savings Plan

You will learn how much you need for emergencies, how to set your savings plan to meet your financial goals, and how much retirement savings you may need.
 
learn how much savings
you need for emergencies
 
create a savings plan
to meet your financial goals
 
set up a long-term savings plan for retirement

Building Block SIX  

F.I.T. Credit Anatomy

You will learn how to read your credit report and how to optimize your credit report to best represent you.
 
learn how to read your credit report
 
learn how to correct information on your credit report that could be hurting your credit score

Building Block SEVEN

F.I.T. Credit Masterclass

You will learn how to transform your credit and master how to maximize and maintain your credit score based on the habits of 800+ credit score achievers
 
better understand
what goes into your credit score
 
address current credit habits that may be negatively impacting your credit score
 
earn credit wealth strategies that will help
you to (re)build your credit and maximize
your credit score in each of the 5 areas
that impact your score

Building Block EIGHT

F.I.T. Asset Protection

You will learn what insurance you need to protect your assets and why estate planning is critical to protect your family after your life has expired.
 
learn how much insurance
is needed to protect your assets
 

learn why estate planning is critical in legacy planning and protecting your family

 Additional

Training and Resources

 
In addition to the NINE core building blocks, you also have an option to access the F.I.T. Club a closed Facebook group for members only to connect with other wealth-builders to share challenges and triumphs as well as receive best practices, tips, and guidance from a F.I.T. Wealth Plan Coach.

TESTIMONY

The Journey!

Reaching out to say thank you!  It has been about 6 months since my bankruptcy.  I am virtually debt free and my credit score is in the 700s.  My business is thriving too!  Thank you for your help along this journey.

 Harris R. (entrepreneur)

TESTIMONY

Ability to do what he wants to do!

We are doing really well.  We celebrated our 15yr wedding anniversary back in May…It’s amazing how we truly have been able to make life altering decisions based on the fact that we no longer have all that debt over our head and we followed your steps to rebuild.  If we still had all that debt, he would not have been able to go back to school full time.  He has the ability now, to do what he really wants to do.  And of course if he’s happy, I’m happy.

 The Therrells (married)

Limited Time

PRE-SALE SPECIAL

You'll receive the entire 8-Module F.I.T. Wealth Plan
+
a full resource library of supplemental training, advice, and masterclasses
 

PLUS!

You'll receive 3 months FREE in the F.I.T Wealth Private Facebook Group
 

PLUS!

a private 45-minute consultation with your F.I.T. Coach

(this alone is a Value of $199)

Yes, I'm Ready to live a F.I.T. Life!

Thousands of people fall victim to credit repair scams annually. 

The F.I.T. Wealth Plan empowers you to legally maximize and maintain your credit score for a lifetime. 

TESTIMONY

First Time Budgeter!

Thank you for making me do this.  I never did a budget before.  Now I understand where my money has been going.

 Dena T. (Chapter 13 Bankruptcy Client)

TESTIMONY

Overcoming the Obstacles!
 
Hi Ravena, I hope all is well!  I wanted to send you a quick email to tell you I finally stepped out there and got a credit card after overcoming the obstacles of filing Chapter 7. I was hesitant because I didn't want to fall into the same traps as before.
 
My first card was approved with a $3000 credit limit. The interest rate is through the roof (21%) but it was expected just 2 months after my discharge. Anyway, they offer free access to my credit score which I hit the button this morning checking my balance and was blown away at what I saw...my credit score was 706

God is so good!  We have been contemplating getting a car for years and have put it off. That's the next step in the very near future!  Things have been so good and we both continue to say how BK was the best thing we could have done for our finances!
 
Regards, T.T.  (Chapter 7 Bankruptcy Client)

Limited Time

PRE-SALE SPECIAL

You'll receive the entire 8-Module F.I.T. Wealth Plan
+
a full resource library of supplemental training, advice, and masterclasses
 

PLUS!

You'll receive 3 months FREE in the F.I.T Wealth Private Facebook Group
 

PLUS!

a private 45-minute consultation with your F.I.T. Coach

(this alone is a Value of $199)

 

Yes, I'm Ready to live a F.I.T. Life!