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HELPING PEOPLE SCALE NEW HEIGHTS

Personal Financial Wellness in Pittsburgh ,PA

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Building a strong financial foundation empowers you to confidently align your spending with your values, making it easier to say yes to the things that truly matter. With clear goals and a solid budget, you gain the ability to set boundaries, ensuring that you're not swayed by impulse or external pressure. This balance not only gives you the freedom to enjoy your finances but also the peace of mind to say no when it’s necessary for long-term stability.

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EDUCATE. INSPIRE. BUILD.

Higher Ground Solutions exists to equip people with knowledge and tools, empowering them to achieve financial freedom.

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Phil Schmitt

Owner, Counselor, Believer.​​

Growing up in a tight-knit family, Phil has always seen just what money can do and how it can effect everyday life. As he got older, he started to experience his own effects of money, both positive and negative. After spending years debating what to do with his experiences, knowledge, and deep rooted faith in Christ, Phil joined forces with True North Church as their Discipleship Director; helping believers discover and develop their purpose... and also counsel them through real life scenarios along the way. 

This counseling gained more momentum and once again, he was witnessing the effect of money had on those around him. That's where HGS began. To educate people on financial literacy, inspire them to save and give, and build them up spiritually and financially for generations to come.

IT'S NOT ABOUT HOW MUCH MONEY YOU MAKE, BUT HOW YOU MANAGE WHAT YOU DO.

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FROM OVERWHELMED TO EMPOWERED.

Your Financial Fresh Start

No matter where you are, it’s never too late to change your financial story.


When finances feel hopeless, it can be hard to know where to start. But even in the toughest situations—whether it’s managing debt or figuring out how to make your income work for you—there’s always a way forward. With practical steps, you’ll soon be saying yes to security and no to stress.

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Feeling Helpless About Money?

Let's Create a Plan That Works for You

You deserve to feel confident about your financial future, starting now. Whether it’s deciding between groceries or gas, or wondering where your paycheck went, finances shouldn’t be a source of constant anxiety. We’ll work together to build a realistic budget, tackle debt head-on, and help you create habits that lead to lasting financial stability—without sacrificing the things that matter most.

Cinta, Canada

Phil has helped me to take control of my life and my finances in a way that I hadn't thought possible. When I came to him for a free consultation, I was swimming in debt and struggling week-to-week, even just to feed myself. Phil offered hope as he guided me towards solutions that I could handle.

Ian, Oklahoma

Since our conversation I have been able to implement the principles Phil shared, which have been incredibly helpful. I am grateful for his work and feel encouraged and confident after having a consultation with him. You will not regret choosing him as your financial coach! 

Keep it Simple or Invest in Yourself and Your Future Even More

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Available online

Consultation (Free)

1 hr • Free

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Available online

Building the Budget

1 hr • $99

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