Stop worrying about your financial future

Discover money growing tips and begin to confidently set higher goals


The Upstart membership is an online training system with LIFETIME ACCESS to four of Breakthroughs courses offered by our partner UGRU Coaching giving you insider tips, basic knowledge, world-class tools, and strategies you need to begin the the journey financial independence. Plus, Live One-on-One Thrive Coaching with your Coach Chris Fowler.

Get on track to budget, get out of debt and start achieving your goals NOW!

Upstart Membership-UGRU-CLF partner Device Display 1280x720

Upstart 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 sessions will help you through a tough spot, cross the finish line and execute on the amazing knowledge found in the Breakthroughs course work.

Thrive Coaching by the CLF Group

Upstart Members also get The Breakthroughs Experience

Experience hands-on personal finance online courses presented by UGRU Coaching 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” by Ken Gulliver, 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
Lifetime access, anywhere to our financial online Courses and the CLF Group

What You Get

Upstart 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.

Upstart Membership

Discover Financial Independence

1 hour LIVE One-on-One Coaching Session

LIFETIME Access to online Courses

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

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.
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

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.

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

Become Your Financial Journey Begins Here