Ron Caruthers is the nation’s foremost expert on college planning and college funding. He’s loved by hundreds of parents for finding creative and effective ways to fund their children’s college dreams while keeping them on track for retirement. Learn more.

We understand that finances can be confusing! There are so many financial choices out there that it can be difficult to discern which ones are right for you.

We Can Help

We have created a one-of-a-kind personal finance course unlike anything else available, and it is designed to teach you exactly how money really works! You can know which option is right for you, and have the confidence that every financial decision is moving you one step closer to where you want to be!

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on your financial journey

Discover proven, life-changing strategies that will help you identify and truly understand how to take control of your financial future. Start by investing in yourself, with Personal Finance Illustrated® from PEM LIFE.

The Future Is Now

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Practical financial understanding for the real world - It’s what we do