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As a Certified Financial Education Instructor, I teamed up with my buisness partner, Michael Harbert, also a Certified Financial Education Instructor to form APEX Financial Education. A personal financial literacy education and corporate training company designed to create money savvy kids, teens, college students, adults, and seniors. From our experiences of business coaching, corporate training, and financial literacy consulting, we continue to develop programs about budgeting, saving, investing, debt elimination, credit repair and recovery, trading and investing, risk management, entrepreneurship, and much more.


We offer personal financial literacy education and corporate training on:
• Financial Psychology
• Savings, Expenses, and Budgeting
• Banking and Account Management
• Loans and Debt
• Credit Profile

• Income and Taxes

• Rick Management and Insurance
• Trading and Investing
• Personal Financial Management
• Education and Skill Development
• Higher Education and Career Planning

and more. Each program is completely customizable to your needs. 



• Keynote Speeches (Live and Virtually)
• Seminars (Live and Virtually)
• Break-out Sessions
• Half-day Workshops
• Full-day Workshops

• Ongoing Training Sessions

• APEX Online Financial Education Academy


Our Financial Literacy education and training are completely adaptable to any audience:

• Middle School to High School
• College
• Young Adults
• Working Professionals
• Seniors

• Corporate Training (Small, Medium, and Large Corporations)


How does your company benefit? 

One of the most prevalent issues that workers face today is financial stress. According to a study conducted in 2017 by Price Waterhouse Cooper, one of the world’s leading professional services networks, 53% of workers report being stressed by their finances, with those reporting stress tending to be younger and female. Across all generations and demographics, financial matters were the top cause of stress.  Employee financial stress is costing your company a lot of money! 

  • Loss of productivity – Workers under financial stress spend an average of 20 to 28 hours a month researching personal financial issues at work.

    • Employer cost: as much as $7,000 per employee per year.

  • Workplace accidents – 60% to 80% of on the job accidents are stress related.

    • Employer cost: on average $29,000 per workplace accident in lost productivity, uninsured costs, accident investigation, production slowdowns, and new employee training.

  • Health and welfare issues – 75% to 90% of all doctor visits are stress related.

    • Employer cost: on average $300 per day/per employee in lost productivity for each day an employee is absent. This does not include lost revenue or increased healthcare cost.

  • Employee turnover – 40% of employee turnover is due to stress.

    • Employer cost: between $3,000 and $13,000 to replace the average employee.

  • HR department distractions – In the form of handling calls from bill collectors, processing 401k loans, processing wage garnishments, and so on…

    • Employer cost: up to 10% of the Human Resource Department payroll budget.

Strong financial wellness programs decrease financial stress in workers.

  • Increase productivity and satisfaction – By simply providing basic financial literacy education to all employees, productivity levels increase, along with employee satisfaction.

  • Increase performance for all employees – Financial literacy education optimizes employee performance across the board, regardless of each employee’s current financial situation.

  • Increase retirement income – The Principal Financial Group found that workers who committed to and participated in a program increased their expected retirement income by an extra $905 a month.

  • Increase financial wealth – Principal also found that “Estimated effects are sizable, particularly for the least wealthy, for whom attending seminars appears to increase financial wealth by approximately 18%.”


Feel free to click the button below and let us know which program you have in mind. We'll work with you to design the perfect program for your needs.


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Fmr TV & Radio Host | Speaker | Author



Financial Literacy Coach | Corporate Trainer