Melissa Tosetti, a cash flow planning expert, is the founder of The Savvy Life and author of the international bestseller Living The Savvy Life.

She helps clients create Spending Plans for their lifestyle so they can confidently enjoy spending while still saving for the goals.  Much of the work with those clients is in teaching them systems and habits to become purposeful spenders.

In addition to authoring Living The Savvy Life, Melissa has written hundreds of articles on personal finance. She’s traveled across the U.S. giving over 200 presentations on topics related to cash flow planning and purposeful spending and has given over 275 webinars on the same topics. 

Melissa has taught The Savvy Life’s system of Cash Flow Planning, for CE credit, for the Financial Planning Association (FPA), the National Association of Personal Financial Advisors (NAPFA) and the Society of Financial Service Professionals.

On the personal side, Melissa has been training in martial arts since 1989 earning three 3 black belts along the way.  Prior to training in Eastern Martial Arts she competed in Olympic style fencing. Several evenings a week she teaches at her husband’s martial arts school the Tosetti Institute of MMA & Fitness.

A balanced life for Melissa includes, traveling with her husband Paul and son Dante, punching things, baking, tending her urban farm and re-reading Sherlock Holmes and Phyrne Fisher mysteries.

Kevin Gibbons is the Vice President of The Savvy Life, a cash flow planning specialist and co-author of the international bestseller Living the Savvy Life.

In addition to writing, speaking and teaching about personal finance from a lifestyle perspective, Kevin manages the daily operations of the company and supervises the building of the infrastructure necessary for maintaining and growing the business.

Kevin has taught The Savvy Life’s system of Cash Flow Planning, for CE credit, for the Financial Planning Association (FPA), the National Association of Personal Financial Advisors (NAPFA) and the Society of Financial Service Professionals.

Kevin started life as a scientist, specializing in Thin Film Physics. He progressed into Technical Program Management where he was responsible for managing cost, schedule and performance for a variety of multimillion dollar programs.

He is the author of numerous technical papers and holds two patents related to thin film design and process control.

When Melissa Tosetti started The Savvy Life in 2003, Kevin contributed articles and helped with editing. He continued in this role as contributor and advisor until he joined full-time in 2017.

Kevin’s past technical and programmatic experience helps him understand the details of clients’ individual financial situations and goals, and how different aspects are interconnected. By applying streamlined versions of the tools he used in his previous business life, he helps clients understand their finances in new, clearer ways.

The Savvy Life is a Cents and Sensibilities LLC company.