Become Financially Independent on an Average Income!

With powerful, unique and results oriented strategies.


Traditional Financial Services Are Broken and your ally is not who you think it is... 

Americans are less prepared today, are you one of them?

People talk to the insurance agent, financial advisor, tune into financial actors on the radio, search the internet for answers, and yet, they’re losing wealth.

But, you CAN become financially independent on an average income with the Breakthroughs Membership.

Breakthroughs Membership is:

A complete online training system with LIFETIME ACCESS to our best hand-picked courses giving you insider tips, basic to advanced knowledge, world-class tools, strategies used by millionaires and little-known resources you need to be financially independent on an average income.

What You Get:

Right Where They Want You

In this course you'll experience the transformation of your thinking in eleven distinct areas that limits most everyone from achieving financial independence. Based on Ken's third book "Right Where They Want You: Why You're not Rich and What to Do about It".

What You Get:

Printed Book Copy

Get this special copy of "Right Where They Want You" mailed to your doorstep and discover:

  • The importance of knowing why you want money.
  • How financial advisors make you poor and what to do about it.
  • Internal culprits sabotaging success and how to keep them in check.
  • Why budgeting doesn’t work and how to fix it.
  • Why your past hasn't defined you but, prepared you for a great future.
  • 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!

What You Get:

Stop the Pain!

Discover how to stop feeling powerless, stop feeling insecure and stop fearing your financial future. In this course you will:

  • Find the most optimal way to pay down your debt. There isn’t just the snowball and avalanche. There are two other ways you may be overlooking!
  • Learn multiple ways to put money in your pocket right now!
  • Implement new ways to save $14,000 on your next car.
  • Learn how to save on auto insurance and 11 other types of insurances.
  • Discover how to regain lost opportunities that are costing you over $150,000
  • Discover over $900,000 of money growing tips.

What You Get:

FREE Budget Tool Access

Get access to UGRU Budget Tool for one-year subscription free. All of your accounts, bills, transfers, reports, goals and more in one place

  • Stay one step ahead with the Forecasting Feature which tells you in advance whether spending money is going to break you in the next few months.
  • Play offense with your bills by monitoring on the calendar. 

  • Work toward a single payment plan to reduce time, confusion and fees.

  • Easily see when funds are low, so you can manage your money like an insider.

  • Construct your budget with built in budget categories and subcategories or add your own to help you improve spending behavior through easy to read reports.

What You Get:

The Spiritual Side of Money where you'll discover:

  • Why you're pursuing money.
  • How to harness the true and misunderstood power of attracting wealth.
  • How to work through limiting money beliefs.
  • How to gain focus on your finances.
  • How to tap into abundance you didn’t think you had.
  • 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 add $1,000’s in tax write offs.

"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

What You Get:

Effective Insurance Planning

  • Learn five things you MUST consider before buying Long Term Care Insurance and four ways to decrease the cost of it.
  • 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 and easily save over $70,000 knowing where to find the best deals.
  • Put over $100k in your pocket on old life policies in your living years and tips to save bundles on all types of insurance.

  • Discover how to synthesize this abundant financial knowledge for your practical application.

What You Get:

Effective Retirement Planning

  • Discover how to build a solid retirement and the new viewpoint you NEED to achieve it.
  • Learn to calculate your own retirement needs and to think critically when making your investment decisions.
  • Discover why you haven’t experienced the long-term average 12% returns some professionals claim you can get and what to do about it.
  • How to be a winner under any stock market environment and how to save over $100,000 in management fees.
  • Learn the three ways to save and the three worlds of investing and how to make them work for you.
  • Discover the strategy that put money in Ken's clients pocket, saved them from market downturns and outperformed the S&P 500, all with minimal management fees.

What You Get:

Real Estate & Financing where you'll discover:

  • The entire home transaction process simplified

  • 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!

  • How to execute an overarching real estate strategy to build wealth out of thin air.

What You Get:

One Hour of LIVE One-On-One Thrive Coaching

The act of parting with a dollar to fix a problem is the easy part. Where the REAL progress takes place is in the material change of habits and behaviors. The courses in the membership offer great knowledge and critical thinking skills.

BUT, executing great decisions and sticking with it, that’s where wealth is REALLY built.  Your coaching sessions offer three specific things:

  1. FOCUS - You can slowly “hack” your way to success, maybe. Or, you can get the answers and resources you need now with a LIVE coach.
  2. MASTER YOUR MINDSET - Our brains are hardwired for survival. The irony is this survival instinct can actually sabotage your success. Have you ever gotten close to achieving something and then for some reason backed out because it just felt safer? That’s your survival instinct at work and LIVE coaching sessions can help you become more intentional with your money.
  3. ACCOUNTABILITY - Like Mark Twain said: “Action speaks louder than words but not nearly as often”. Great ideas are all over, but mission accomplished is a totally different animal.

Your one-hour Thrive coaching session will help you through a tough spot, cross the finish line and execute on the amazing knowledge found in the Breakthroughs Membership.

What You Get

Certificate of Completion


Why is this certificate important? One word, proficiency.

When you take a college course or even obtain a degree at a university, say a degree in finance, you are educated on the topic, but what I always looked for when hiring an advisor was not how educated they were. I looked for how proficient they were.

I knew if they were proficient, they would execute REAL value for clients, and they would generate REAL profits for my financial practice.

When you are proficient, this means you are competent or skilled in doing something or using something. In this case proficient in critical financial thinking and using finance calculations to aid in that critical thinking. These make you capable of tying together overarching strategies that are far better than using an assortment of tactics that you one off learn on the internet, a tip from a friend or heard from a meeting with an advisor.

Patch working these tactics in your personal finances likely end up working against each other.

This certificate isn’t just a certificate of completion, you have to earn it. There are 100 questions and you need to pass with a minimum of 80% to prove you know the material.

If you had this certificate and were looking for a job when I was in practice, I’d hire you in a heartbeat!

What You Get:

Lifetime Access

  • Courses are updated as legislation changes.
  • Courses are updated when additional material is added.

As a member, you get those updates without having to pay again. If a course/membership is retired, access to a comparable course/membership will be granted. Details found in Prosperity Path Agreement.

 Become Financially Independent on an Average Income Today!

Start Now!

Meet your Coach, Ken Gulliver

Financial Coach | Author | Motivational Speaker

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. Until now, you’ve only been sold the dream by “financial actors”.

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.


Get Your Breakthroughs Membership Today

Feel confident that a new financial future is possible!

Breakthroughs Membership


One Time

Right Where They Want You Course

Stop the Pain! Course

The Spiritual Side of Money Course

Effective Insurance Planning Course

Effective Retirement Planning Course

Real Estate & Finance Course

Certificate of Completion

One Live One-on-One Coaching Session

LIFETIME Access to all Courses

1 Year FREE Subscription to UGRU Budget Tool

Printed Copy of Book Right Where They Want you

No One Knows your Money Like "U" T-Shirt



We are certain you'll love your Breakthroughs Membership 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 [email protected] to request your refund. No hassle guarantee!

"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

Frequently Asked Questions

  • You will get all 6 Courses:
  1. Right Where They Want You + Printed Book (Value of $299.00)
  2. Stop the Pain! Course + 1 Year Subscription Budget Tool (Value of $399.00)
  3. The Spiritual Side of Money (Value of $194.00)
  4. Effective Insurance Planning (Value of $425.00)
  5. Effective Retirement Planning (Value of $497.00)
  6. Real Estate & Finance (Value of $497.00)
  • Certificate of Completion
  • LIFETIME Access to all Courses
  • No One Knows your Money Like "U" T-Shirt
  • Ongoing Support

In the first seven days you can expect to have Confidence that a new future is possible, and that starting now IS possible!

Stepping into your second week you should start to see that you CAN find and save money you didn’t think was possible. In fact, we have a lot of students that are saving anywhere from $400 to $900 per month that they weren’t saving before.

That’s more immediate, but as time goes on, and you’ve implemented the strategies you learn with the courses, you should expect to start seeing six figure enhancements from retirement expenses, real estate financing decisions, real estate purchasing and insurance decisions as well as other financial decisions.

It works if you have any kind of income and have the desire for financial independence.

If you are a start up…. the courses are simple enough to follow with analogies and stories.

If you’re just beginning in finance and need a path to break out of the gate so you start to have a little financial wiggle room then this will work for you.

If you’re a typical family that owns a home, has some debt you contend with, maybe have had some frustration getting a straight answer for the direction you should go in, you’re gonna love this course because I’ve seen people work with me over a ten-year period of time while their income stayed relatively flat, but watched their net worth increase over $500,000 executing these strategies. That is financial independence on an average income. 

Even if you think you have a handle on personal finance, I’ll say that I’ve had successful veteran financial advisors go through my coach training and they got something out of it. If they can, you can too.

We do not offer payment plans but financing is available through PayPal Credit for U.S. customers. Their credit is 0% interest and no payments for six full months.

Anytime you can get no interest, no payments for an investment (NOT a discretionary purchase, but an investment in yourself), then it makes sense. 

If you use your visa or master credit card, only do it if you ABSOLUTELY know that you are going to pay it within 30 days.

You may want some one-on-one coaching to help you get over a hump or two and we have coaches available for that. We also have the Masters Membership, which gives you access to our Retirement Destinations software. But, if you’re not in retirement, or rapidly approaching retirement, you really don’t need that. What you get in the Breakthroughs Membership is everything you need to become financially independent on an average income.

Dave Ramsey’s main expertise and passion is budgeting and being debt free. Everything else he talks about outside of those topics is questioned extensively by many other professionals. UGRU covers every aspect of your personal finance and does it in a way that’s next level, even for many traditional financial professionals. We’ve had 20- and 30-year, six figure financial advisors and CPA's, go through my coach training because they wanted to add that to their repertoire, and they said what they learned disturbs the status quo. But I like how one of our Breakthroughs Member's once put it, he said, UGRU empowers you so you know how to defend yourself from people like Dave Ramsey, and I’d have to say that’s a pretty good analogy.

The course starts as soon as you enroll, and because you’ll be getting lifetime access it never ends. There will be new content that is added over time. It’s a completely self paced, online course so you decide.

There are 10 hours of video, 120 coaching lessons and growing! 

No, it's interactive. There are stories, analogies, quips, quotes, quizzes and calculations that I make fun. You are gonna have a great time!

We do. If more than 10 people from your company want to enroll, reach out to [email protected] and let us know how many people want to take the course and we’ll get pricing quoted for you.

You’re gonna get an email from us and you’ll be asked if you want to renew for the Budget tool.

Everything else you have unlimited access to.

If you are already a Budget Tool subscriber, simply email [email protected] and they will make sure that all your billing is stopped for an entire year. Please provide them your full name and email you used to subscribe when reaching out.

The quick answer is yes and no. Advisors and agents are largely sales people and there’s nothing wrong with that so long as what is being sold is in your best interest.

The sad part is that rarely happens, even when they have the best of intentions, simply because there is some piece of knowledge they are lacking. I write extensively about this in chapter 8 of my book.

Good people with dreams are being sold too much, charged too much or not helped enough. We believe you need to be empowered, that’s why we say no one knows more about your money than “U”. That’s what the Breakthroughs Membership provides, it puts you in a position where you are in control.

In that sense, no, you don’t need an insurance agent or an advisor,  because almost anything you need you can go direct and get, often times far cheaper. If anything, I’d say we all could use a good coach to bring us up to the best version of ourselves.

Once you have your credentials set up, just go to the and click on my library at the top and you will always be able to access all your courses and products there. You will also receive a welcome email with instructions on how to access your course.

Yes, we have an amazing team that can help you through any technical issues, but if you have some execution issues where you need someone to help roll the ball up over the hump for you, then we have dedicated financial coaches who are available for additional fees and, I’d say its worth every penny because sometimes we can be our own worst enemy. A great coach will pull you up to your dreams and aspirations and they are happy to do that.

Yes, our platform is mobile friendly, in fact the courses are broken into bite sized 2,3- and 4-minute clips so you can literally make progress while you’re on a 15-minute break at work, anytime, anywhere.


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