Financial Literacy Group

Meet Ron Harris: Financial Educator, Author & Debt Elimination Expert

Founder and CEO of Financial Literacy Group | MBA, MBE, CFEI | 20+ years helping families eliminate debt and build wealth through IUL, Hybrid Arbitrage, and AI-driven financial strategies.

Ron Harris, MBA, MBE, CFEI - Founder of Financial Literacy Group

Ron Harris, MBA, MBE, CFEI

Ron Harris is the visionary founder and CEO of Financial Literacy Group, LLC. With over 20 years of experience in finance, marketing, and education, Ron has dedicated his career to bridging the gap between advanced financial strategies and everyday Americans. His innovative, AI-driven solutions have empowered thousands to turn debt into lasting wealth, redefining financial freedom for the middle class.

Holding an MBA, an MBE, and a certification as a Financial Educator (CFEI), Ron brings a wealth of knowledge and a unique perspective to financial education. His expertise spans crucial topics including debt freedom, early mortgage payoff, retirement income strategies, and innovative uses of life insurance products.

Under Ron's leadership, Financial Literacy Group has served more than 6,000 families across the United States, helping resolve over $200 million in consumer debt. His proprietary Hybrid Arbitrage strategy — combining AI-driven debt elimination with Indexed Universal Life Insurance — has become the foundation of Financial Literacy Group's approach, enabling middle-class families to turn their existing debt payments into wealth-building assets without changing their monthly budget.

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Credentials & Certifications

Ron's academic credentials and professional certifications form the backbone of Financial Literacy Group's trusted, expert-led approach.

MBA

Master of Business Administration
Advanced expertise in business strategy, financial management, and organizational leadership — providing the analytical foundation for Ron's innovative financial solutions.

MBE

Master of Business Education
Graduate degree in global marketing and communications from the University of Essex, UK — informing Ron's unique international perspective on wealth inequality and financial strategy.

CFEI

Certified Financial Educator Instructor
Certification issued by the National Financial Educators Council — authorizing Ron to teach and certify other financial educators through the FLGPE certification program.

Acclaimed Author and Financial Educator

Groundbreaking Publications

The ERTC Guide: A comprehensive guide helping business owners navigate the Employee Retention Credit during the COVID-19 pandemic, making complex tax credits accessible to a wide audience.

Hybrid Retirement Arbitrage: An exploration of unconventional strategies for retirement planning and wealth accumulation, focusing on tools like Index Universal Life (IUL) insurance and comparing them with traditional retirement vehicles.

Global Perspective

With a master's degree in global marketing and communications from the University of Essex (UK) and travels to over 40 countries, Ron brings a unique international perspective to financial education. He has studied wealth disparity causes worldwide, translating these insights into actionable strategies for his American audience.

Innovative Financial Strategies

Ron advocates for Hybrid Arbitrage IUL strategies, allowing individuals to leverage IUL policies for tax-free, flexible cash flow. His approach helps middle-class Americans access benefits typically reserved for Wall Street-level financial management, including tax-deferred growth and guaranteed minimum interest rates.

Impact and Reach

Through his books, workshops and consultations, Ron has empowered thousands of individuals and families to make informed financial choices. His client list includes major corporations like Union Bank of California, Prudential, and Sunkist, showcasing his ability to create impactful strategies across various industries.

Vision for Financial Literacy

Ron's ultimate goal is to create a financially literate society where individuals can retire with dignity, achieve lifetime income, and build generational wealth through informed decision-making and strategic financial planning. Explore his latest thinking in our financial education articles.

Expertise & Speaking Topics

The U.S. Economy & Wealth Inequality
How the U.S. economy operates as a funneled system and why the middle class struggles with debt accumulation. Ron breaks down complex economic concepts into relatable insights, helping you understand wealth inequality and identify real opportunities for financial growth and freedom.
IUL, Banking Strategies & Life Insurance
Discover how Indexed Universal Life Insurance (IUL) and Bank-Owned Life Insurance (BOLI) generate profit and stability for financial institutions — and how you can apply these same principles to your personal finances for tax-advantaged growth and long-term financial security.
Debt Elimination & Mortgage Payoff Strategies
Ron teaches proven debt elimination strategies powered by AI-driven debt elimination technology that can transform your financial future. Learn how accelerated credit card debt payoff and early mortgage payoff create opportunities for wealth building without sacrificing your current lifestyle.
Financial Freedom & Wealth Building
Gain essential knowledge about the financial tools that create lasting wealth. Ron's expertise in Hybrid Arbitrage, Indexed Universal Life Insurance, and no-fee indexed annuities gives families access to the same strategies used by financial institutions — providing tax-advantaged growth and generational wealth.

Frequently Asked Questions

Common questions about Ron Harris, his credentials, and his approach to financial education.

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