The UGRU Team

We've Got some Stories

Our Founder's Story

I was broke! I painfully lost my life savings over 3 years on a software venture and was spending my last dollars paying employees… this was going to hurt. 

I remember the epic embarrassment sitting in the bankruptcy hearing. I was being grilled as if I was hiding assets somewhere. I found my attention fading in and out, dazed from the sobering reality upon me. How did I get here? I had been a successful Investment advisor for 20 years, and now was working at a blue-collar job for $17/hr. swallowing my pride while answering to a child for a manager.

So why didn’t I just go back to Merrill Lynch? I had a clean career before I retired. Why didn’t I dial up one of my many connections and find a job back in Financial services for $150k/yr.? 

Some of my closest family members would prod me about this, but I knew something they didn’t. Traditional Financial Services are broken, and I couldn’t with good conscience go back. 

More Americans unprepared for retirement

While doing research for my second book, I ran across a statistic about Americans not being prepared for retirement and it hit me like a ton of bricks. In the early 1990’s, 67% of all Americans were unprepared for retirement, today that number is closer to 90%!

The reason: traditional financial services sells products and the potential performance of those products, (often under the guise of a financial plan) but that’s not what builds wealth.

After many conversations, my wife and I agreed bad things don’t happen to us, they happen for us. It was time to pick up the pieces. With the support of my wife, I worked tirelessly to reinvent myself. 

I wanted to fulfill the original reasons why I had become a financial advisor so many years ago. I wanted to be that force that people need to gain the financial independence they want. 

After 10’s of thousands of hours and years of putting what felt like good money after bad, we are happy to share with our great nation a means to break out of the vicious cycle robbing the lives of most every American.

We would be humbled to know you took the time to explore what this means to you and your family.


Ken Gulliver – UGRU CEO & Founder

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. 

Words from Our Clients


Ken gave me my first money lessons that have served me well over 20 years.”

Chad K.

State employee

“Ken saved me hundreds of thousands. But more than that, he always had my best interest at heart – he REALLY cared.”

Rochelle P.

Business Owner


Ken protected me from losing my 401k!

J. Roberts


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!

Ken Gulliver is a financial motivational speaker helping you achieve financial prosperity. Book Ken to Speak today!

Ken Gulliver


For twenty-five years Ken has been 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. His goal is to create positive and real financial changes in your life and is committed to helping you live financially free.

A native Arizonian, Ken is a proud Marine Corps Veteran with a witty and fun approach to life. You can find Ken at the gym and listening to some of his favorite motivational speakers daily. Above all, he enjoys staying active in community with friends, neighbors and church working each new day to become a better version of himself.

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.

Be Financially Empowered

we Can you Help you!

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