Meet Ken and the Team

For nearly three decades Ken has gone from a top quintile advisor at Merrill Lynch and a top 1% Investment Advisor, by revenue, in the United States to building a company and tools that truly serve people’s financial needs.

He is battle proven, calling the downturn of 2008 and 2020 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. You can see a snippet of his accomplishments here:

Public speaker
Radio show host – Retirement Depot Radio
Co-author – Asset Protection and Wealth Preservation
Author – Right Where They Want You
Author – The Unrivaled Advisor
Co-founder – World Financial Group
Founder – Retirement Depot (a Registered Investment Advisory Firm)
Founder/Architect – UGRU CRM (Cloud Awards finalist CRM Solution of the Year)
Founder – UGRU Financial Coaching

Ken has made it his mission to empower you to financially prosper. His goal is to create positive and real financial changes in your life and is committed to helping you live financially free.

A native Arizonan, Ken is a proud Marine Corps Veteran with a witty and fun approach to life. At age 50, you can find Ken at the gym, running competitive track and field events, listening to some of his favorite motivational speakers or, simply learning something new.

Above all, he enjoys staying active in community with friends, neighbors and church working each new day to become a better version of himself.

We've Got an Amazing Team

We have a heart and a passion to help you achieve financial independence and want to make an impact in your life!

Born and raised in Costa Rica, Cindy earned her degree in Fine Arts from the National University in Heredia. With a creative background and a strong work ethic, she has built a career supporting national and international companies in office management, customer service, and team supervision—always adapting quickly and handling new responsibilities with confidence.

At UGRU Financial, Cindy manages day-to-day operations and supports the company’s creative needs. From building internal systems and coordinating projects to designing marketing materials and web content, she plays a key role in keeping things moving behind the scenes.

Cindy is married to UGRU’s founder, Ken Gulliver, and enjoys painting, drawing, traveling, and staying grounded in her faith.

From picking up pennies as a kid to buying his first car with cash, Dax has always been drawn to financial discipline and independence. Born in San Diego, he’s lived throughout the United States, Mexico, and Costa Rica—experiences that gave him a deep appreciation for different cultures and a natural ability to connect with people from all walks of life.

At UGRU Financial, Dax serves as the Client Service Representative, supporting clients through account management, follow-ups, and one-on-one guidance. He’s passionate about sharing the same financial principles that shaped his own journey—from budgeting and saving to investing and planning for the future.

Whether he’s trading stocks, building custom computers, or helping someone take their first steps toward financial freedom, Dax is committed to making finance feel accessible, empowering, and life-changing.

Born in 1987, Dinis Ivanov holds a double Master’s Degree in Applied Mathematics and Information Technology from Bashkir State University. He began reading before age four and showed early signs of mathematical brilliance.

At twelve, he left his small Russian village to attend a boarding school in Ufa, where he excelled in both technical and language studies. After completing his degrees, he moved to the United States to strengthen his English and immerse himself in the American culture he admires.

As UGRU’s Chief Tech Officer, Dinis manages the development team and brings UGRU’s proprietary software designs to life. Outside of work, he enjoys singing, writing music, and exploring emerging technologies—with dreams of one day traveling the globe to uncover the mysteries of humanity.

Alex is the friendly voice behind UGRU Financial’s front lines, the first connection clients make when reaching out to schedule appointments, ask questions, or find their way through the financial planning process.

With a passion for people and a natural gift for building real connections, Alex ensures every interaction feels personal, seamless, and grounded in trust. She believes in the work UGRU does and is proud to support a team dedicated to helping individuals and families make empowered decisions about retirement, finances, and long-term planning.

What sets Alex apart is her commitment to integrity and client care. She brings warmth, clarity, and heart to her role, making sure each client feels seen, supported, and confident on their journey toward financial freedom.

We help you achieve Financial Independence

We have a heart and a passion to help people achieve financial independence by helping our communities with personal finance coaching and online courses.

We help you Become a Financial Coach

Want to make a positive change in people’s lives? We provide the tools, platform and training. You provide the desire to succeed! Find out how to Become a Financial Coach today!

Our mission

empowering you to Financially prosper

Let us help you achieve balance in your life and shape your financial future with powerful, unique and results oriented coaching. We’ll equip you with the tools, resources, knowledge and execution you need to build real and lasting wealth.

Meet Ken and the Team

We've Got an Amazing Team

Cindy Gulliver

Dax Gulliver

Dinis Uledanov

Alex Perez

We help you achieve Financial Independence

We help you Become a Financial Coach

Our mission

empowering you to Financially prosper

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