Helping you achieve balance in your life and to shape your financial future!

Ready to start living your best life? Then you're in the right place.



Hi there, this our Story!

Change, as difficult as it can be; it will bring a new landscape of opportunities that will change your life forever.

Ken’s passion to help people has always been an intrinsic part of his persona and after twenty years as a financial advisor, he realized that the financial services industry is simply not built to help the masses which is why there are so many Americans grossly underserved or simply ignored altogether.

We are creating an opportunity for individuals to make a change in people’s lives with our Financial Coach Training and by offering coaching programs geared to produce results and achieve financial freedom.

There has never been more of a need for people to learn how to manage their own money, to have a strong financial foundation that will totally transform a family.

That’s why our team is here, to help you attain that knowledge you so desperately need to make a real and positive change in your life and, it’s an opportunity for healing our country’s finances.

Start the journey to financial independence with us today!

Develop Direction with UGRU Financial Coaching

Develop Direction

Learn Financial Strategies with UGRU Financial Coaching

Learn Financial Strategies

Achieve Financial Success

Achieve Financial Success

Meet Ken Gulliver - Founder

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.

Book a Free Session with Ken

Meet Cindy Gulliver - Management & Operations

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 is the VP of Implementations for UGRU Technology 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. 

Connect with Cindy

Are you ready to begin the Journey to Financial Independence?

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