With the best financial planning, unique financial coaching approach and our easy, money-saving tools, you can take control of your finances. Be empowered to get in the best financial shape of your life!

Successful Personal Finance, ACHIEVABLE!

Achieve financial independence on an average income so you can be empowered to:

Calculate your OWN financial decisions

Get basic to advanced financial knowledge including budgeting, real estate, stock + crypto trading and more. All with world-class tools and strategies so you can assess + calculate your own financial needs.

Optimize your finances holistically

Get measurable results with our unique category-iterative financial planning that can save you hundreds of thousands on advisor fees, prevent bad financial decisions and build better financial habits.                                                

Confidently set higher financial goals

Stop the pain of current financial struggles and be guided on your own path to real and lasting positive financial change. No matter where you are in life, we can meet you where you’re at!

Sweet Words from our Clients

Have you met Ken?

Meet Your Best Personal Finance Guide Getting You Results! Get started now for free

"Hi I am Ken Gulliver, a retired Investment Advisor and founder of UGRU; my goal is to create positive and real financial changes in your life and I am committed to helping you become financially independent".

For twenty-five years Ken has been a student of personal finance. A top quintile advisor at Merrill Lynch and a top 1% Investment Advisor by revenue in the United States, he is battle proven calling the downturn of 2008 for his clients, and warns of the next that is upon us in his third hard-hitting book, Right Where They Want You: Why You’re Not Rich and What to Do about It.

But, more than that, multiple awards showcase his dedication to the people he serves. Ken has made it his mission to empower you to financially prosper.

Discover how we Get your personal finances in shape

From simple budgeting to advanced financial planning, we’ve got you covered!

Budgeting & Debt Pay Off

Achieving financial success starts with the basics. Our Budget Tool is easy to use with powerful and efficient debt planning that compares the most efficient ways to pay off your debt and keeps you on track with its unique forecasting feature.

Personal Finance Courses

Level up your financial knowledge with our self-paced online bite-sized financial literacy sessions packed with strategies, tools, tips and calculations that are easy to follow any time anywhere. Finally, online education with practical application.

Masters Membership

After you level up your financial knowledge, work with us in the most complete LIVE, one-on-one financial coaching program with world-class insights on budgeting, debt payoff, insurance, stocks and crypto, real estate and finance tailored to your needs.

Thrive Coaching

Our Thrive coaching is the ultimate boot-camp where you will gain focus in the assessment stage, strengthen your mindset after gaining direction while your coach keeps you accountable at each benchmark toward your financial goals.

Stock & Crypto Trading

Invest with a back tested edge with our unlimited buy and sell alerts on stocks and crypto found in our private Telegram channel. Created by a successful Investment Advisor, Trade Trax™ alerts can help you save time and money.

Financial Planning

Stop working harder to enjoy a full retirement by implementing guided financial strategies with Retirement Destinations™, the best in class financial planning software with features found nowhere else to get you the results you are looking for.

Transform your financial future now!

Start your Journey to financial independence in 3 easy steps

Step 1 to the best personal finance guidance start here!

Book your free Retirement Checkup. A personalized retirement readiness valuation and retirement gap analysis

Step 2 to the best personal finance guidance start here!

Schedule your complimentary Strategy Session. A one-one-one meeting to find the best plan of action to achieve your financial goals

Buckle Up and Start your journey to financial independence on an average income

What Financial Advisors Say

Let's Get Started!

Gain mastery on insurance, investments, crypto, real estate and finance with guided financial planning that you need to optimize all your financial decisions and achieve financial independence on an average income!

Take a Break and Read all about it!

The Finance Blog

Subscribe for Financial tips straight to your inbox!

Be the first to receive free lessons, blog updates, financial tips and more