Rosemary Hayda is servant leader and believes she is blessed to be a blessing. Rosemary is originally from, grew up in, and currently resides in New Jersey on the land of her ancestors. She's had an entrepreneurial spirit & teaching gift since childhood.

Rosemary studied education & served in Army ROTC at the University of Tampa. She continued her education studies at community college, and then Immaculata College. She later completed a Certified Specialist certification & then graduated from a Professional school.

Rosemary's professional career, in banking, began in 1994; she worked as a Bank Teller, Customer Service Representative, and bank Branch Auditor. Later, she obtained her Life & Annuities license, joining the financial services industry in 2012. She's worked for major IMO's and been a Team Leader for independent Financial Services companies. In April of 2020, Rosemary became Co-Founder & CEO of Fruitful Finances, a Father-Daughter vision realized. They provide education & analyzed solutions, combined with leading-edge financial technologies, to empower individuals' financial growth & security.

Rosemary is a Licensed Fiduciary, Debt-Free Specialist, Bettr Health Services Affiliate, and is in partnership within a national, independent financial agency. She serves as a completely independent fiduciary: one whose duty is to act solely in the clients' best interests above all else. This independence means no allegiance is owed to any particular financial product, brokerage firm, or insurance or investment company; this also provides freedom to provide unbiased, prudent, analyzed, financial recommendations with integrity.