Become Financially Independent on an Average income

With powerful, unique and results oriented strategies.

Breakthroughs
Membership

A complete online training system with LIFETIME ACCESS to the best hand-picked Breakthroughs courses offered by our partner UGRU Coaching giving you insider tips, basic to advanced knowledge, world-class tools, strategies used by millionaires and little-known resources you need to be financially independent on an average income. In addition, you’ll experience one hour of Live One-on-One Thrive Coaching with your Coach Chris Fowler.

Become-Financially-Independent-On-An-Average-Income-with-the CLF

Traditional Financial Services Are Broken and your ally is not who you think it is...

Americans are less prepared today, are you one of them?

People talk to the insurance agent, financial advisor, tune into financial actors on the radio, search the internet for answers, and yet, they’re losing wealth.

But, you CAN become financially independent on an average income with the Breakthroughs Membership.

Americans are unprepared for retirement! Discover how to not become one them with the CLF Group

The Breakthroughs Experience

Experience over 13 hours of hands-on personal finance online courses where you will discover basic to advanced financial knowledge with strategies, tools and calculations that are easy to follow and of practical application. All Breakthroughs modules include worksheets, assessments and exercises that explore overcoming limiting money beliefs, budgeting, real estate, insurance and retirement planning with bite-size video sessions; you can access anytime, anywhere for a LIFETIME.

What You Get

Right Where They Want You

In this course you’ll experience the transformation of your thinking in eleven distinct areas that limits most everyone from achieving financial independence. This course is based on the third book of Ken Gulliver, founder of UGRU Coaching:  “Right Where They Want You: Why You’re not Rich and What to Do about It”.

RWTWY Course offered by UGRU with CLF Group
Right Where They Want You_ Why You're not Rich and What to Do about It_ included with the course! partnering with CLF group

What You Get

Printed Book Copy

Get this special copy of “Right Where They Want You” mailed to your doorstep and discover:

  • The importance of knowing why you want money.
  • How financial advisors make you poor and what to do about it.
  • Internal culprits sabotaging success and how to keep them in check.
  • Why budgeting doesn’t work and how to fix it.
  • Why your past hasn’t defined you but, prepared you for a great future.
  • Why the financial plan your professional completed for you is likely all wrong and what to do about it.
  • Tools to synthesize overwhelming and contradictory financial advice, plus so much more!

What You Get

Stop the Pain!

Discover how to stop feeling powerless, stop feeling insecure and stop fearing your financial future. In this course you will: 

  • Find the most optimal way to pay down your debt. There isn’t just the snowball and avalanche. There are two other ways you may be overlooking!
  • Learn multiple ways to put money in your pocket right now!
  • Implement new ways to save $14,000 on your next car.
  • Learn how to save on auto insurance and 11 other types of insurances.
  • Discover how to regain lost opportunities that are costing you over $150,000
  • Discover over $900,000 of money growing tips.
Stop fearing your financial future with Stop the Pain! partnered with the CLF Group and UGRU
The CLF Group partnered with UGRU Budget Tool

What You Get

FREE Budget Tool Access

Get access to UGRU Budget Tool for one-year subscription free. All of your accounts, bills, transfers, reports, goals and more in one place

  • Stay one step ahead with the Forecasting Feature which tells you in advance whether spending money is going to break you in the next few months.
  • Play offense with your bills by monitoring on the calendar. 

  • Work toward a single payment plan to reduce time, confusion and fees.

  • Easily see when funds are low, so you can manage your money like an insider.

  • Construct your budget with built in budget categories and subcategories or add your own to help you improve spending behavior through easy to read reports.

What You Get

The Spiritual Side of Money

Where you’ll discover:

  • Why you’re pursuing money.
  • How to harness the true and misunderstood power of attracting wealth.
  • How to work through limiting money beliefs.
  • How to gain focus on your finances.
  • How to tap into abundance you didn’t think you had.
  • What will keep you from never turning back once you’re well off.
  • The steps you need to take to ensure you have more than just brief success with money.
  • How to tap into your happiness trifecta.
  • How to make some great spare-time money.
  • How to add $1,000’s in tax write offs.
Discover with the CLF Group the steps you need to take to ensure you have more than just brief success with money
Learn five things you MUST consider before buying Long Term Care Insurance and four ways to decrease the cost of it plus more, wit hthe CLF Group

What You Get

Effective Insurance Planning

Where you’ll discover:

  • Learn five things you MUST consider before buying Long Term Care Insurance and four ways to decrease the cost of it.
  • Why the pros argue about which type of life insurance is right and what is REALLY right for you.
  • How to calculate your own amount of insurance so you know you are not buying more (or less) than you need and easily save over $70,000 knowing where to find the best deals.
  • Put over $100k in your pocket on old life policies in your living years and tips to save bundles on all types of insurance.

  • Discover how to synthesize this abundant financial knowledge for your practical application.

What You Get

Effective Retirement Planning

Where you’ll discover:

  • Discover how to build a solid retirement and the new viewpoint you NEED to achieve it.
  • Learn to calculate your own retirement needs and to think critically when making your investment decisions.
  • Discover why you haven’t experienced the long-term average 12% returns some professionals claim you can get and what to do about it.
  • How to be a winner under any stock market environment and how to save over $100,000 in management fees.
  • Learn the three ways to save and the three worlds of investing and how to make them work for you.
  • Discover the strategy that put money in Ken’s clients pocket, saved them from market downturns and outperformed the S&P 500, all with minimal management fees.

Learn to calculate your own retirement needs and to think critically when making your investment decisions plus more with our Effective Retirement Planning course! The CLF Group can help you
Build REAL wealth step-by-step with real estate with the CLF Group even if the only property you have is your personal residence. Start today!

What You Get

Real Estate & Financing

Where you’ll discover:

  • The entire home transaction process simplified.
  • How online calculators can be misleading and why it’s important to learn for yourself.
  • How ads are hurting your chances for financial success.
  • Different lending like hard money, portfolio and conventional and what they should be used for.
  • What’s TRULY right for you, the 15 or 30-year mortgage. You might think you know but if you are wrong you stand to lose $130,000!
  • How people are working to try and take your money while you’re working hard for it and how to protect yourself from that.
  • How to seize the banks license to steal money from you.
  • What they REALLY mean when realtors say location, location, location.
  • What to look for so you KNOW that you are buying right when it comes to your principle residence and investment properties. This could line your pockets with an additional $150,000!
  • How to execute an overarching real estate strategy to build wealth out of thin air.

What You Get

Certificate of Completion

Why is this certificate important? One word, proficiency.

When you take a college course or even obtain a degree at a university, say a degree in finance, you are educated on the topic, but not necessarily proficient.

When you are proficient, this means you are competent or skilled in doing something or using something. In this case proficient in critical financial thinking and using finance calculations to aid in your critical thinking. These make you capable of tying together overarching financial strategies that are far better than using an assortment of tactics that you one off learn on the internet, a tip from a friend or heard from a meeting with an advisor.

Patch working these tactics in your personal finances likely end up working against each other.

This certificate isn’t just a certificate of completion, you have to earn it. There are 100 questions and you need to pass with a minimum of 80% to prove you know the material.

And, knowing the material ensures you are proficient with your own finances.

You will receive a Certificate of Completion upon completing your Financial Coaching Course by UGRU and the CLF Group
Lifetime access, anywhere to our financial online Courses and the CLF Group

What You Get

Breakthroughs Membership Lifetime Access 

  • Courses are updated as legislation changes.
  • Courses are updated when additional material is added.

As a member, you get those updates without having to pay again. If a course/membership is retired, access to a comparable course/membership will be granted. Details found in Prosperity Path Agreement.

Ken is the only one I've really trusted with my finances.
Jeff S.
Contractor
Ken protected me from losing my 401k.
John Roberts
Florida
Ken saved me from losing half my retirement savings!
Lorena
Office Assistant - Goodyear, AZ

Masters Members Also Get
The Thrive Experience

The act of parting with a dollar to fix a problem is the easy part. Where the REAL progress takes place is in the material change of habits and behaviors. The courses in the membership offer great knowledge and critical thinking skills.

BUT, executing great decisions and sticking with it, that’s where wealth is REALLY built.

What You Get

One-on-One Thrive Coaching

Your coaching sessions with the CLF Group offer three specific things:

FOCUS – You can slowly “hack” your way to success, maybe. Or, you can get the answers and resources you need now with a LIVE coach.

MASTER YOUR MINDSET – Our brains are hardwired for survival. The irony is this survival instinct can actually sabotage your success. Have you ever gotten close to achieving something and then for some reason backed out because it just felt safer? That’s your survival instinct at work and LIVE coaching sessions can help you become more intentional with your money.

ACCOUNTABILITY – Mark Twain said: “Action speaks louder than words but not nearly as often”. Great ideas are all over, but mission accomplished is a totally different. When you work with us, expect results.
Your one hour of Thrive coaching session will help you through a tough spot, cross the finish line and execute on the amazing knowledge found in the Breakthroughs course work.

Breakthroughs Membership

Discover Financial Independence

1 hour LIVE of One-on-One Coaching Session

LIFETIME Access to aLL online Courses

Certificate of Completion

1 Year FREE Subscription to UGRU Budget Tool​

Printed Copy of The Book "Right Where They Want you"

No One Knows your Money Like "U" T-Shirt

PLUS an amazing high value bonus when we meet!

Ken helped us into a home and pay off debt we didn't think was possible.
William & Bobbie J Smith
Las Vegas, NV
Ken saved me tens of thousands. But more than that, he always had my best interest at heart - he REALLY cared.
Rochelle
Business Owner
Wonderful coaching! If only I had followed ALL of it earlier.
Suzanne G.
Las Vegas Performer

Meet your Coaches

Chris Fowler - financial coach

Chris Fowler

financial coach

Christopher has attended Harvard Business School/HBX with concentrations in Management Essentials, Business Analytics, Economics for Managers, and Financial Accounting. He is excited to serve as a value-added leader and coach to his clients.

Ken-Gulliver-is-a-financial-motivational-speaker-helping-you-achieve-financial-prosperity.-Book-Ken-to-Speak-today

Ken Gulliver

master coach

As a retired investment advisor with over 20 years of experience, Ken has implemented a holistic approach to personal finance and is providing an experience that far exceeds expectation, helping you build real and lasting wealth with his personal finance online courses.

Become Financially Independent on an Average Income