Meet Ken and the Team

Schedule a call with Ken, retired investment advisor and coach, and start achieving financial independence!

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!

Cindy Gulliver - Operations Manager UGRU

Cindy Gulliver

Operations Manager

Cindy has excelled in working for National and International Companies in areas such as office management, customer service and personnel supervisory where her back-office skills played an important role in the success of these companies. 

Cindy has always demonstrated a great ability to learn new things in fast ways due to her research skills and she has been able to adapt to quick changes and to the new and several tasks in the different roles she’s had during her career.

She currently manages the day-to-day operations for UGRU and as part of the creative team, Cindy keeps up with our design requests across UGRU.

Born and raised in Costa Rica, Cindy attended the National University in Heredia, where she obtained her degree in Fine Arts. Cindy is happily married to Ken and enjoys spending time at church as well painting, drawing and traveling. 

Dinis Ueldanov - Our Lead Software Developer UGRU

Dinis Uledanov

Chief Tech Officer

Dinis was born in 1987 and graduated with a double Master’s Degree at Bashkir State University in Applied Mathematics and Information Technology.

Dinis fell in love with books and learned to read prior to the age of four at the same time displaying his first signs of mathematical genius. Understanding his voracious appetite for learning, his parents realized that growing up in a small village located in the heart of Russia would only hold him back.

At the naïve age of twelve he left his home village to study in a boarding school in the city of Ufa where he aced all subjects including technical and language. After obtaining his Master’s degree, he promptly moved to the United States to enroll in two more years of English and further his understanding of the American culture he loves so much.

His hobbies are singing, writing music and learning in particular, new technologies. In the future he hopes to travel the world discovering the mysteries of humanity.

Dax Gulliver


From picking up pennies as a kid to buying his first car for cash, Dax has spent his life dedicated to understanding and applying sound financial principles.

Born in San Diego, he has spent time in most areas of the United States, Mexico and Costa Rica experiencing everything from deep sea fishing to skydiving but, most importantly, he has appreciated the opportunity to experience different cultures and loves to converse with people about their life’s experiences.

He is passionate about many things from trading stocks to building computers, but what he really gets a kick out of is introducing people to the same financial principles that set him on a financially independent course.

“I love the feeling I get when our clients tell us that their quality of life has improved after working with us.”

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. 

Be Financially Empowered

we Can you Help you!

Meet your UGRU Financial Coaching Team, we are here to help you become financially independent