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How do I help you?

By Building Financial Confidence. Protecting Your Future.

Financial coaching, Medicare guidance, life insurance with living benefits, IULs, retirement strategies, and debt management—all designed to help you make confident financial decisions.

  • 25+ years of experience
  • Licensed in 14 states
  • Veterans & military families welcome

No obligation. Requesting a consultation does not enroll you in any plan or product.

Drayton Financial Fitness Headquarters
Dot Griffin Drayton Portrait

“Helping Families Protect, Grow, and Preserve Their Financial Future.”

Meet Dot Griffin Drayton

Certified Financial Coach & Licensed Insurance Professional

I am a Certified Financial Coach with a Bachelor of Science in Management. As an Insurance Professional currently licensed in 14 states, I bring over 25 years of experience serving individuals, families, and seniors.

My passion lies in helping people make informed financial decisions and preparing them for a secure, abundant future. Whether it's mapping out a retirement plan or managing debt, I am dedicated to your financial wellness.

25+

Years Experience

14

Licensed States

The Three Core Pillars

Income Protection

Income Protection

Safeguard your family's lifestyle with life insurance, living benefits, Indexed Universal Life, and final expense planning.

Debt Management

Debt Management & Budgeting

Strategic plans built on the 50/30/20 rule and net cash flow optimization to regain control of your monthly budget.

Retirement and Senior Guidance

Retirement & Senior Guidance

Medicare Advantage and Supplement education, TRICARE and VA coordination, fixed indexed annuities, and Social Security timing.

Comprehensive Services

Tailored solutions designed for your unique financial landscape. Select a service to learn more.

Drayton Financial Fitness Services
Medicare & Veterans

Your Medicare Choice Should Work With the Benefits You Earned

Veterans and military families often have more than one source of coverage. Dot helps you see how Medicare may fit alongside VA health care and TRICARE For Life, so you can make an informed choice before you enroll or change a plan.

  • TRICARE For Life requires Medicare Part A and Part B. Dot explains what that means for your timing and your plan options before you decide.
  • VA and Medicare are separate systems. Dot explains how they differ so you do not give up coverage you want to keep.
  • Confirm with the source. Dot is not the VA or TRICARE. She recommends verifying your eligibility and rules with TRICARE and the VA directly.
As a retired veteran, I wasn’t sure how to approach Medicare because I already received healthcare through the VA. [...] I know I have a trusted source for accurate information and guidance whenever I need it.

Larry Williams

Savannah GA · Retired Veteran

Read the full testimonial

Medicare disclosure

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Specialized Programs

Retirement Readiness Review

A complete overview of your retirement landscape.

  • Social Security timing
  • Medicare planning
  • Retirement income sources
  • Emergency fund
  • Legacy planning
Outcome Retirement Roadmap

Financial Wellness Checkup

A deep dive into your current financial health.

  • Budget Analysis
  • Debt Assessment
  • Savings Review
  • Insurance Coverage
  • Beneficiary Designation
Outcome Written Action Plan
+ Follow-up Session

Financial Coaching Program

Ongoing partnership to ensure you reach your goals.

  • Monthly coaching sessions
  • High Accountability
  • Goal tracking
  • Budget reviews
  • Spending plans
Outcome Financial Freedom

Coaching and wellness programs are educational and motivational. Outcome names describe the deliverable, not a guaranteed financial result.

Financial Vital Signs

Check Your Financial Pulse

Four quick steps. Get your personal readiness score and a suggested first move.

“Helping you monitor the health of your money—one tip at a time.”

Step 1 of 4 Stage of life
Where are you in life?
Tip of the week

The 50/30/20 Rule

A simple budgeting framework: 50% for needs, 30% for wants, and 20% for savings and debt repayment. How is your pulse looking this week?

Recent Tip

Check Your Beneficiaries

Life changes fast. When was the last time you reviewed who is listed on your life insurance and retirement accounts? Keep your legacy secure.

Recent Tip

Automate Your Savings

Treat your savings account like a monthly bill. Set up automatic transfers on payday so you pay yourself first before spending anything else.

Success Stories

What Our Clients Say

“I used to think that as long as I was making money, I could manage it on my own. After making the same financial mistakes over and over again, I finally swallowed my pride and contacted Drayton Financial Fitness, LLC.

We started with a simple budget, and it completely opened my eyes. I was given an easy-to-follow plan that helped me begin saving consistently. My spending habits changed, and today I have not one, but two savings accounts.

I followed the plan, stopped living paycheck to paycheck, and accepted the Financial Fitness Challenge. Throughout the entire process, I received step-by-step coaching, encouragement, and accountability.

Today, I have confidence in my finances, healthier money habits, and I finally feel like I’m winning with my money.”

CM Baker

Midway GA

“As a retired veteran, I wasn’t sure how to approach Medicare because I already received healthcare through the VA. I was hearing so many different opinions that I didn’t know what to believe.

My wife contacted Drayton Financial Fitness for professional guidance, and it made all the difference. They took the time to explain my Medicare options and the additional benefits available to me as a veteran. With their help, I enrolled in a Medicare Advantage plan that works alongside my TRICARE For Life coverage, giving me a better understanding of how my benefits work together.

What I appreciate most is that Drayton Financial Fitness continues to provide timely Medicare updates and explains how changes under the current administration may affect my coverage. I know I have a trusted source for accurate information and guidance whenever I need it.”

Larry Williams

Savannah GA

“I’ve turned to Drayton Financial Fitness for a variety of financial services over the years because I trust the guidance I receive. Dot Drayton first introduced me to the wealth-building potential of Indexed Universal Life (IUL) insurance and helped me evaluate my financial situation by walking me through the numbers and developing a strategy that fit my goals.

As retirement approached, she helped me prepare for the next stage of life with confidence. When it was time to transition to Medicare, there was no question who I would call. Drayton Financial Fitness had already earned my trust.

Because of Dot’s coaching, planning, and ongoing support, I’m in a much more comfortable financial position today. I keep Drayton Financial Fitness on retainer—and on speed dial—because I know I can count on knowledgeable, dependable advice whenever I need it.”

V. Simms

Baltimore, Maryland

“I’ve had the privilege of working with Dot for nearly 20 years, and I can honestly say I wouldn’t be where I am financially without her. She guided me through buying all three of my homes, but more importantly, she taught me how to understand money, credit and how to make them work for me—something I didn’t grow up learning.

Dot has always been patient, encouraging, and willing to explain things in a way that made sense. The financial lessons she taught me years ago are still helping me make smart decisions today. I’ll always be grateful for her guidance, and I can’t recommend her enough.”

S. Cisco

Jacksonville, FL

Testimonials reflect the individual experiences of clients and are shared with their permission. They are not a guarantee of future results, and your experience may differ. Testimonials about Medicare are not endorsed by or affiliated with Medicare, the Centers for Medicare & Medicaid Services, or any government agency.

Client Tools & Resources

Everything you need to manage your journey.

Book an Appointment

Schedule your next coaching session or review with Dot.

Client Portal & Payments

See how to pay a coaching invoice or request a secure payment link.

Let's Secure Your Future

Reach out today to schedule your consultation and take the first step towards building financial confidence. Prefer to talk now? Call .