Make the most optimal financial decisions with your insurances, real estate, investments and more!
Experience One-on-One Thrive Coaching with Coach Chris Fowler paired with guided financial planning and discover the most optimal financial decisions you should make for your financial future!
All this including our most complete Breakthroughs Online Training system which includes LIFETIME ACCESS to our best hand-picked online courses giving you insider tips, basic to advanced financial knowledge, world-class tools and strategies plus much more.
Prescription without diagnosis is malpractice. If you have been sold a financial product without proper planning, you have likely experienced financial malpractice. This is why we say:
Money should not be a spectator sport
When was the last time you paid for a seat at a sporting event and won the game? Sounds like a silly question, but that is exactly what we do handing our finances over to someone else, we pay to lose.
A guided process where you discover the most optimal financial decisions through our category-iterative philosophy.
Retirement Destinations™ planning Software developed by UGRU makes it easy to discover the most optimal financial decisions you should make for your financial future!
If you’re tired of internet confusion, bad advice, being sold, or over paying for a service that under delivers, we can help you!
Stepping into retirement can be stressful, if not, downright terrifying. Find out how John and Laurie changed their dire situation.
If you had a financial plan completed, you may be disappointed to find your situation isn’t what you believe it is.
More people are unprepared for retirement than ever before because something is broken in the way we’ve been taught to build wealth.
If you’re serious about building your nest egg, you’ve likely talked to the insurance agent, financial advisor, tuned into financial actors on the radio and searched the internet for answers probably just like you’re doing right now. If you’re like most you are tired of:
The Masters Membership can help you make sense of it all with the financial guidance of the CLF Group.
Chris was being sold a bundled life insurance investment, but was also told that “buy term, invest the difference” was the best way to go.
After using the Destinations planner he was taught in the Masters Membership, he had his answer.
We wont say which is which here, but would you want to play this guessing game without having the power at your fingertips to know the difference?
John and Laurie were stepping into retirement very concerned about their future. They had minimal income and limited liquid assets for future financial needs.
Before becoming a Masters Member, they had a shortfall 10 years into retirement. After implementing strategies you see below, they regained confidence in their financial future.
Strategy #1 added three more years in retirement reducing their shortfall over $60,000!
Strategy #2 was a huge step that added over a decades worth of golden years cutting their shortfall nearly in half!
Strategy #3 added another year and reduced their shortfall another $13,000. Every little bit counts!
After Strategy #4 they crossed the finish line! They not only had no financial shortfall in retirement, but now were happy they could leave some money to their heirs.
Strategy #5 sweetened the pie by adding another $90,000 buffer to an already good situation. We couldn’t be happier for them, and they sleep much better these days!
If you had a financial plan completed, you may be disappointed to find your situation isn’t what you believe it is. We have run across many people that thought they were set with a future that looked like this.
But found it looked more like this.
Of course, the Masters Membership helped optimize their financial decisions and regain the confidence they previously had.
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.
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 11 hours of Thrive coaching sessions will help you through a tough spot, cross the finish line and execute on the amazing knowledge found in the Breakthroughs course work.
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.
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”.
Get this special copy of “Right Where They Want You” mailed to your doorstep and discover:
Discover how to stop feeling powerless, stop feeling insecure and stop fearing your financial future. In this course you will:
Get access to UGRU Budget Tool for all of your accounts, bills, transfers, reports, goals and more in one place
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.
Where you’ll discover:
Where you’ll discover:
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.
Where you’ll discover:
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.
Where you’ll discover:
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.
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.
Holistic Guided Financial Planning
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.
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.