Logo (10).JPG



Ralph Williams CFP®, CCPS
Email Ralph

The Road to Financial Freedom Begins Here!

Learn how to eliminate debt and build wealth using financial strategies that let you control the flow of interest.

Here we present information and resources designed to help you more efficiently achieve your financial objectives. Explore this website to learn:

  • How to send your students to their preferred colleges without going broke
  • How to get totally out of debt in 1/3 to 1/2 the scheduled time
  • How to stop unnecessary transfers of your wealth to financial institutions, and earn the interest you had been paying to them
  • How to recover all the interest and principal you pay to finance major purchases
  • How to achieve liquidity, use, and control of your money
  • How to finance business purchases or leases with your recycled dollars

College Planning
We address getting students into colleges that “fit” them best. We also address paying for college with more gift aid that doesn’t have to be repaid, rather than loans and work-study programs. Sometimes, private colleges may offer a lower “net cost” than some state colleges.

Eliminating Debt
We help people pay off all existing debt-car loans, credit cards, student loans, even mortgages-in as little as 1/3 to ½ the scheduled time, and save thousands (often hundreds of thousands) of dollars in interest costs.

Private Financing—Start your own family or business “bank”
Gain liquidity, use, and control of your money. Learn how to purchase big-ticket items, such as cars or business equipment, and get back every dime you paid, plus interest, so that you can use them over again!