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Nationally syndicated radio talk show host Dave Ramsey has plenty to say on the topic of personal finances. Listen to him for any length of time and you'll hear him talk about paying down debt, building wealth and "living like no one else so later you can live and give like no one else."

We are a comprehensive wealth management and planning firm and have been part of the Ramsey SmartVestor* program since 2008. We are big fans of Dave Ramsey and we are proud to be a member of his national SmartVestor program!

We hope you’ll consider choosing our team as your SmartVestor Pro to help you take the next Baby Step toward financial freedom!


Which Baby Step Are You On?

If you've spent any time listening to Dave Ramsey, you've undoubtedly heard him mention his 7 Baby Steps. According to Dave, this process is the key to taking control of your money and finding financial confidence.

The Ramsey Baby Steps:

  • Baby Step #1: Save $1,000 as a starter Emergency Fund
  • Baby Step #2: Pay off debt using the Debt Snowball method
  • Baby Step #3: Finish your Emergency Fund: save to cover 3-6 months of expenses
  • Baby Step #4: Invest 15% of your income for retirement
  • Baby Step #5: Save for your children's college
  • Baby Step #6: Pay off your mortgage
  • Baby Step #7: Build wealth and give

How Can We Help?

No matter where you are in your financial journey, we are delighted to help you take your next step! Click below to schedule a complimentary introductory call with one of our advisors to get started.

Our Dave Ramsey Story

Our Dave Ramsey Story

Our founder, Julia Carlson, received Dave's "The Total Money Makeover" book as a gift but set it aside thinking "I don't really need this." One day her husband picked it up, read it cover-to-cover, and said:

"Honey, you have to read this!"

So she did, and it has forever changed her relationship with money as well as how she advises her clients. She has been following and teaching the Ramsey Baby Steps since 2007. In 2008, our firm became part of Dave's SmartVestor (formerly ELP) program.

Click below to watch our executives share their Dave Ramsey stories. 

Our Process

Julia Carlson,
Founder and CEO

Our History

Chandran Rajaratnam,

Jason Harris

Jason Harris,
Vice President

Contact Us

We hope you’ll consider choosing our team as your SmartVestor Pro to help you take the next step toward financial freedom!

*The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Financial Freedom Wealth Management Group, LLC or LPL.