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A Financial Wellness Company

We provide Financial Wellbeing, which means we optimized our clients personal financial position. We are on a mission to help America close it's wealth gap. Our solutions equalize the financial playing field between middle class Americans and financial institutions. We teach adults who live on Main Street how to manage their finances like people who work on Wall Street, one individual, one family or one small business owner at a time.

Optimize Your Personal Finances

  • Financial Education - Before you start making decisions about your money—especially those that impact your family and future in major ways—it’s important to have an education.

    Ron Harris, MBA, CEFI, MBE & Author

  • Proper Protection - Why? Because financial hardship after the loss of a spouse or business partner can be hard to recover from. To protect your income for all those who depend on you.

    Ron Harris, MBA, CEFI, MBE & Author

  • Emergency Fund - To prepare for life as it happens, it’s important that you set up an emergency fund. It’s a designated stash of cash at your fingertips to help you recover from unforeseen expenses.

    Ron Harris, MBA, CEFI, MBE & Author

  • Debt Management - For many, it is the greatest obstacle to a sound financial future and financial independence. Debt is a sweeping crisis perpetuated by a society of people led astray by the “instant gratification” desires of our generation.

    Ron Harris, MBA, CEFI, MBE & Author

  • Cash flow - After you have established financial protection, an emergency fund, and a debt strategy, you’re in a position to focus on your cash flow, which can help you eliminate debt and grow savings faster.

    Ron Harris, MBA, CEFI, MBE & Author

  • Build Your Wealth - For many who have saved little to date, growing wealth may seem like pie in the sky. But it should be a commitment to find out what your retirement numbers are—how much income you want to live on—and then set a goal and strategy to get there.

    Ron Harris, MBA, CEFI, MBE & Author

  • Protect Wealth - Think it will be too expensive or time consuming? Its not having an estate plan in place is critical to protecting your wealth, so your assets end up in the hands of your loved ones—not in the control of the court system.

    Ron Harris, MBA, CEFI, MBE & Author

Financial Wellness Hotline - 877-PAID-ZIP

Have a Financial Problem? Give Us a Call at (877-724-3947)

Financial Wellness

Financial wellness is a term that encompasses a "holistic approach" to improving your financial wellbeing, the optimization of your financial position

Financial Literacy

We Deliver Financial Literacy, Through Personal Finance ELearning Courses Developed By Our Research Team The Finance Literacy Institute, And Based On Our Text Book “How Money Works”.

Banking Arbitrage

The Go Debt Free App guides you to pay off your 30 year mortgage in as little as 5 to 7 years. You can then spend that same money another 5 times. From mortgage debt to wealth.

Debt Arbitrage

Technology that shows you how to payoff all kinds of debt; credit cards, residential and commercial mortgages, auto, equity, personal, student, equipment and business loans.

Mortgage Arbitrage

Turn Your mortgage debt into wealth. Become your on bank, move from a recourse position to a non-recourse position. You can use debt to fund your retirement.

Wealth Arbitrage

Are you late getting ready for retirement? Want to strengthen your retirement cash flow? Then you'll want to see our 15 year retirement plan and build your future.

Retirement Arbitrage

We provide retirement planning and wealth building through our unique liquid asset based universal index insurance products and mortgage arbitrage,

Healthcare Arbitrage

Matches contributions up to $30,000, no age limit, no underwriter, no expiration. Can be used for any Medical service, Ambulance Services, Labs, Dentists, Orthodontists, Chiropractors, etc.

Credit Arbitrage

Overcome the financial obstacles in your way with an industry-leading suite of solutions. Our Services and Products, Validation, Assumption, Arbitration, Settlement, Federal Tax Relief, Financial Protection.

Crypto Hedge Funds

Successful funds have very experienced traders analyzing the market through multiple variables, for short and long-term decisions. The average crypto fund returned more than 128% in 2020, compared to 30% in 2019.

Smarter Search

Vertically integrated outpatient facilities for blood work, imaging, surgery, and urgent care charge more, than independently owned facilities, to provide the same level of care.

Crypto Courses

DeFi or Decentralized Finance is a new technology whereby users interact as peers with algorithms or smart contracts rather than through traditional intermediaries such as banks, brokerages or insurance companies.

Betterment News

The President’s Advisory Council on Financial Literacy recently stated, “Financial illiteracy is not an issue unique to any one population. It affects everyone: men and women, young and old, across all racial and socioeconomic lines. No longer can we stand by and ignore this problem. The economic future of the United States depends on it.”

‘Every month I express my concerns to my adviser, but he says not to worry.’ My 401(k) has lost over 20% and I can’t afford to lose that kind of money. Is it time to find a new adviser?

Question: My 401(k) was doing ok for a while, but since January of this year it has been losing money that …

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Financial Literacy Group launches Hybrid Mortgage Arbitrage.

Financial Literacy Group releases Hybrid Mortgage Arbitrage, a financial solution that turns debt into income and wealth

How do banks, credit …

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Be Like Buffett

Warren Buffett didn’t become a billionaire overnight. Instead, he leveraged simple concepts over decades to build a vast fortune.
(He didn’t …

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The Management Team

We manage a nationwide team of over 500 personal finance educators, coaches, advisors & debt counselors. Financial Literacy Group is a certified MBE & our mission is economic inclusion and empowerment.

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Ron Harris, MBA, CFEI, Author

CEO, Financial Educator & Consultant

Ron, a.k.a. Debt Whisperer, is a financial mentor for SCORE. Ron founded his first company right out of college and grew it to a multi-million dollar marketing firm in less than 3 years. Ron has successfully financed and grown businesses through prosperous markets and through multiple economic crises, including this one.

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Ilana Amos

Secretary, Financial Educator & Consultant

Ilana worked in the financial markets for a period of time before leaving to start her own business. Ilana believes that right now is one of the best times in history to be an entrepreneur as everything seems to be changing at such a rapid pace which is opening massive opportunities.

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Mike Amos

VP, Financial Educator & Consultant

Mike is a former stock and commodity broker as well as hedge fund manager dealing mostly in option strategies in futures markets. Mike sees innovation as the best way to unlock value in markets and the digital environment is continuing to create more innovation than any time in human history.

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  • 11:30am to 2:pm PDT
  • 3:pm to 6:pm PDT

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