Join our team as a Tax Mentor for $0 for a limited time. Enroll now.

Dream of being your own boss?

*Average earnings $20-$60k per year

Get everything you need to launch your own side hustle as a Money Mentor.

Enjoy WFH life

Join the #FinanciallyFit Club

Earn money for what you want

No Schedule. No Boss. No Worries.

Start where you are

No prior tax or accounting experience is necessary and no degree is needed.

Work when you want, at your pace

Get trained online from the comfort and safety of home, around your schedule.

Get financial coaching

Get unique discounts for Umbrella’s Financial Coaching memberships

How does this work?

It’s simple: refer people to our financial health memberships, and get rewarded.

Step 1

Sign Up to Join

Step 2

Start referring customers

Step 3

Get paid, enjoy life, repeat

Meet Jamie

Jamie is a recent college grad who joined because she was having a hard time making ends meet. After 6 months she just bought her first car and is budgeting wisely to pay it off quickly.

We are actively recruiting in:

Austin, TX
Binghamton, NY
Milwaukee, WI

We are on a mission to help
all Americans get financially fit.

We are on a mission to help all Americans get financially fit.

Do you have a dream of
owning your time and having
Financial Freedom?

Do you have a dream of owning your time and having Financial Freedom?

As a Money Mentor, you’ll help others take control of their financial future and earn a side income on a monthly recurring basis.

Get absolutely everything you need to start and launch your side hustle.

Help people access…

  • Financial Coaching
  • Budgeting
  • Banking
  • Financial Education
  • Credit
  • So much more…

Is Umbrella right for me?

Start where you are!
No experience required.

Like any career, being a financial affiliate has its ups and downs. The nice thing is that YOU get decide how much to put into it … and you’ll be gaining valuable skills along the way.

Unlike other more unsavory work from home opportunities, with Umbrella you are NOT purchasing costly products, and your sharing services that people actually need and want, all the while gaining valuable, transferable skills that can help you in your career, entrepreneurship and personal finances.

Questions to ask yourself:

Do you feel inspired by the idea of improving your finances?

Do you enjoy helping people?

Are you naturally interested in business?

We often get asked

How much money can I make?

Your earning potential depends on how much effort you put in! You earn up to 30% of commissionable value of most of our financial services products.

Is a side hustle right for me?

A side hustle can increase your monthly income significantly with a time commitment of just a few hours a week. It can also support you with extra money when unexpected work circumstances arise.

One in three Americans have a side hustle, according to a poll of 2,001 Americans commissioned by Zapier, a marketing automation company. If you’re curious about entrepreneurship, but want to take a financially sound approach, side hustles offer the best of both worlds and can put extra cash in your pocket. (Source: Time)

What if I am bad with money?

"Our goal is to help move people from who they are now to who they’ll be in the future in a way that maximizes their well-being." –UIG founder Kevin Murphy

As a member of Umbrella, you will gain the knowledge, tools, and habits to become financially healthy, and then have the opportunity to share these skills with your community, too.

What is Umbrella Financial?

We’re changing behaviors to build Financial Health. Financial capability is an important step on the path to financial health. Unlike Any Financial Wellness Program on the market, people’s financial lives are more interconnected than traditional financial products suggest.

By pairing technology with our knowledge about human thought, behavior, and decision-making, we’ve built a holistic digital financial health solutions platform that supports the key financial elements that impact an individual’s overall financial health: Spend, Save, Borrow and Plan. Read more about our mission and values here.

Do I need certifications to do this?

When you enroll in any of our Affiliate programs, you are automatically enrolled in our Umbrella Financial Academy through which you have the opportunity to earn valuable training certifications in tax preparation, financial coaching and more.

Building the American Dream for EVERYONE

“Hi, I’m Kevin, the founder of Umbrella and I want to help you to get real about money. Since 2010 Umbrella’s financial coaches and trainers coax people to talk frankly about their finances, their insecurities, and their hopes and dreams.

The goal? To teach the members how to avoid the mistakes that keep them chasing financial goals like a hamster on a wheel.

The concept for The Financial Fitness Program stems directly from my past experience in the financial industry which is too focused on the “traditional” domains of financial planning, including retirement, insurance, estate, taxes, and investments.

Yet, what about people who have no assets at all, or even negative net worth? In reality, these people go unserved by traditional financial advisors.

So I’ve built the alternative: accessible financial coach for all.”

Join the ranks for 1000s of others. We’ve helped…


Entrepreneurs Nationwide


Tax Customers Annually


Families Helped Since 2010

The Kellys

The Kellys have been married a little over 40 years and have done their best to keep their finances in check. However, no matter how much they planned, they always seems to spend more than they should. This has added up over the years, and as they are nearing retirement they realized it was time for a change. After working with Umbrella for a year, the Kellys have been able to put away 20% of their income each month and are well on their way to building up their IRAs before retirement.

The Vasquez Family

Lisa and Jose Vasquez came to Umbrella as a recently married couple looking to get their finances on track from day one. They were were stuck in a cycle of debt that most young couples get trapped into. They were spending more than they were making and couldn’t see a way out of it. Umbrella helped the Vasquezes to make a plan, cut some unecessary expenses and coached them to change their financial behaviors and mindset. Today they have purchased their first house, and are well on their way to a happy and abundant life.

Get our simple-to-follow,
scientific path to financial freedom.

When You Join Umbrella you benefit from

When You Join Umbrella you benefit from your OWN PERSONAL TRANSFORMATION with money

You’ll Also Get

Financial Resources

Access and training to our suite of financial tools.

  • Hopebot Budgeting App
  • Online Banking with Cashback Rewards
  • Incentivized Savings Program
  • Legal Services
  • Tax Advisory Services
  • Roadside Assistance
  • Credit Services
  • Will & Living Trust

$5,000 Value

Financial Skills

Money Mentor Certification

Our Money Mentor Certification program provides you with the tools, knowledge, empowerment and direction to improve your own financial health. This certification lasts a lifetime.

$5,000 Value

Financial Knowledge

Personalize Your Financial Program

  • Holistic financial plan
  • Estate plan and insurance review
  • Financial literacy and education
  • Retirement projections & planning

$10,000 Value

Affiliate Program Tools

Marketing Tools For Your Side Hustle

  • Online training
  • Member Discounts
  • Marketing Tools
  • Replicated E-commerce Site
  • Unique tracking link

$2,500 Value

#FinFit Community

Surround yourself with other people who are on the path to financial freedom

  • Share tips and ideas
  • Money life hacks and skills
  • Build healthy money habits

$500 Value

For a limited time become a tax mentor for $0



Plus a one-time $99.95 $0 startup fee


Immediate access to our MONEY MENTOR CERTIFICATION program, financial tools, knowledge, empowerment and direction to improve your own financial health.