• 6 hours of life changing financial breakthroughs.
  • 73 Financial and Life Coaching lessons right away!
  • Tools, knowledge and resources. This is a hands-on course.  
  • Coaching sessions at your own pace, anywhere! 
  • Quizzes and Final Assessment is included. 
  • Certificate of Completion to share your new skills with others! 
  • Be in control. Be empowered! 
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With over $500,000 of benefits, the value of this course is mind blowing!

You will discover how:

  • To use your talents, passions, skills and values to create your purpose with money and eradicate your limiting money beliefs.
  • To break through the invisible barrier that seems to keep you from breakout success.

Here you will begin your discovery process with all eight Financial Breakthroughs which are the “secret sauce” written by the founder of UGRU. These “Breakthroughs” were learned from 20 years of Ken's experience with building, losing and rebuilding wealth. The first four, of which, are all about working through limiting money beliefs with perceptions and mindset.


You will discover how to stop:

  • Feeling insecure.
  • The agony of paying bills.
  • Fretting over the control debt has over you.
  • Fearing your financial future.

Here you will continue to break down barriers and shore up trouble spots by taking stock which empowers you to live within your means and stop financial surprises. You’ll find out what you are REALLY making. Think you know what you make each year? It's far less than you think and you'll learn what to do about it.


You will discover how to:

  •  Work less and have more.
  • Tap into abundance you didn’t think you had.
  •  Exercise accountability even if accountability has been a challenge.

Here you will discover how to harness the true and often misunderstood power of attracting wealth. You’ll find how to stop trading the things you truly value for the imitation life we are constantly sold. After this course you will find it infinitely easier to maintain the right path when most everyone else has long given up on their “New Year's Resolution”. It’s easier than you think!

You will discover how to:

  • Find money you didn’t think you had.
  • Save money you didn’t think you could.
  • Turn loose change into $100k by retirement.

In this course we start to flex our calculating muscles. You will find how those loose pennies in your pockets are more valuable than you think. And, how it's not too late to have a kick butt retirement.

You will discover:

  • How to synthesize abundant financial knowledge for your practical application.
  • How to think critically regards creating an immediate estate.
  • Why the pros argue about which type of life insurance is right and what is REALLY right for you.
  • How to calculate your own amount of insurance so you know you are not buying more (or less) than you need.
  • Five things you MUST consider before buying Long Term Care Insurance.
  • Four ways to decrease the cost of your Long-Term Care.
  • Where to go to get the best deals on your Life, disability and Long-Term Care insurance that could save you thousands of dollars (this alone is worth over $70,000)!
  • Tips and tricks to save you bundles on the decisions with insurance and
  • How to step through the underwriting minefield to ensure you get the best rates. And, it doesn’t stop there!

Here you'll discover why sound finances are so critical to not only you, but the ripple effects money has on your children and the greater of society and; why it’s so important for you to be able to think for yourself when it comes to money. Breakthrough number five is also about “Creating an Immediate Estate” where you learn the straight scoop on all things insurance through the lens of the HP 12c calculator.

You will discover:

  • How to build a solid retirement and the new viewpoint you NEED to have to build that solid future.
  • How to calculate your own retirement needs.
  • Why you haven’t experienced the long-term average 12% returns some professionals claim you can get and what to do about it.
  • The history of the markets and why the future will not be what many professionals would have you believe.
  • How to be a winner under any stock market environment.
  • The three ways to save and the three worlds of investing and how to make them work for you.
  • How to use the HP 12c to think critically for your most optimal financial decisions.
  • To think critically when making your investment decisions.
  • Where to go to find some of the best and least expensive investment management (the savings will blow you away!). You will easily see how you can save over $100,000 in fees.

Breakthrough six is a deep dive on the three ways to save, the three worlds of money, a look into insurance vs equity products for saving, what you need to look out for and how to correct inefficient decisions with your retirement.

You will discover:

  • How online calculators can be misleading and why it’s important to learn for yourself.
  • How ads are hurting your chances for financial success.
  • Different lending like hard money, portfolio and conventional and what they should be used for.
  • What’s TRULY right for you, the 15 or 30-year mortgage. You might think you know but, if you are wrong you stand to lose $130,000!
  • How people are working to try and take your money while you're working hard for it and how to protect yourself from that.
  • How to seize the banks license to steal money from you.
  • What they REALLY mean when realtors say location, location, location.
  • What to look for so you KNOW that you are buying right when it comes to your principle residence and investment properties. This could line your pockets with an additional $150,000!

In Breakthrough number seven we cover real estate where you will learn what they REALLY mean when they say location, location, location. You’ll learn the whole process for a home transaction with the most important considerations and the options for financing a purchase. You’ll learn real estate investment strategies. But, most importantly, you will learn how to think critically about your real estate and financing decisions.

You will discover:

  • 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 find tax write-offs you may not currently enjoy that can add over $400 per month in your pocket immediately!

Your final Breakthrough is your last step learning how to take their license to steal your money. 

This lesson, like the other Breakthroughs lessons are powerful, unique and results oriented.


"What UGRU offers is worth many times what they charge."

Timothy K.
CPA - New Jersey

"Very authentic, has the power to disturb the status quo."

Tim M.
Financial Advisor

"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 10's 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

Get your Comprehensive Personal Finance Course Today!


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Meet your Coach, Ken Gulliver

Financial Coach | Author | Motivational Speaker

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.

- 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

- Top 1% Financial Advisor in USA (by revenue)

- Founder - Retirement Depot  (Registered Investment Advisory Firm)

- Founder/Architect - UGRU Financial CRM (Cloud Awards finalist - CRM  Solution of the Year

Start Today and Receive Your UGRU Budget Tool*

  • Stop the insecurity by getting organized.
  • Track in REAL TIME so you aren't caught running out of money.
  • Stop the agony of paying bills.
  • Stop feeling powerless with reports that clear up the confusion.


*UGRU Budget Tool offer includes only the Visual Basic Version on Excel spreadsheet format.


Get this special copy of Right Where They Want You where you'll discover:

  • The importance of knowing why you want money.
  • Why being sold a financial product may make you poor.

  • Internal culprits sabotaging success and how to keep them in check.
  • 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.

"Ken gave my first money lessons that have served me well over 20 years!"


"Ken is the only one I've really trusted with my finances."

Jeff S.

"Ken saved me from losing half my retirement savings!"

Office Assistant - Goodyear, AZ

"Ken protected me from losing my 401k."

John Roberts

Feel confident that a new financial future is possible! 

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We are certain you'll love our Breakthroughs Course and we are confident it will exceed your expectations!

If however you are not satisfied upon completing the full course and passing the final assessment, we will issue you a refund within 30 days of purchase. Just send us an email to info@ugrucoaching.com to request your refund. No hassle guarantee!


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