Our Story

 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. Many know Ron as their Financial Fixer.

Ron was born and raised in Santa Monica, California—right up the street from the Santa Monica Pier. His parents later moved inland where Ron graduated from Sunny Hills High School in Fullerton, CA in 1985 as  valedictorian – ranked 1st of 419 seniors. However, Ron and his family found themselves unable to pay for college – a situation many of our clients understand all too well.

This setback forced him to take a hard look at how unprepared most students are for college, career, and managing their money after college.

Since then, he has worked with over 4600 families to help make their children’s dreams a reality, while providing sound financial guidance along the way!

Ron Caruthers was an adjunct instructor at Palomar and Mira Costa Colleges in San Diego, California, and a regular on San Diego’s morning news programs. He has been interviewed on ABC, CBS, NBC and FOX. He has also been quoted in Newsweek, Inc. Magazine, USA Today and the Wall Street Journal, among other publications.

He currently enjoys life in Carlsbad Village, a town on the water about 35 miles north of downtown San Diego with his wife Sylvia, 15 chickens, and a purse dog named Star. He is dad to three children, Jessika, Brennan and Lexi,–all who went to college for free. Jessika went to USC and Brennan graduated from Northeastern in May of 2018.


Our Values & Beliefs

We are fiduciaries. Our clients come first - always.

We provide financial advice to families beyond the common industry approach. We execute on what is most effective and right for you – not what makes us the most money.

We believe in proactively addressing the wealth transfers that trip up most American families that occur unknowingly and unnecessarily.

Shortfalls in college expense planning and retirement can be best addressed by first dealing with the wealth that is quietly tip-toeing out your back door. Often, there is potentially more financial opportunity in avoiding losses than there may be in “picking winners” – losses always hurt you more than gains help you.

We empower families to make intelligent financial decisions in ALL areas of their lives.

We go beyond what’s expected of the average financial planner. We take a prudent approach to wealth planning and provide solutions that will bring you financial peace of mind today and into the future.

Our Team


Stephanie Manuel

Executive Assistant


Stephanie grew up in Fresno, CA – a small town in Central California. After 18 years in the Central Calley, Stephanie moved to San Diego and attended San Diego State University where she received her B.S. in Business Administration, Accounting. In her spare time Stephanie enjoys being outdoors (preferably by the beach), doing yoga, and spending time with friends and family. 

Featured Publications

College Planning Video Series

  • Part 1 – Tips for Maximizing Financial Aid
  • Part 2 – How SAT and ACT Scores Affect College Admissions
  • Part 3 – Aligning Your Career Goals and College Major

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701 Palomar Airport Road

Suite 170

Carlsbad, CA 92011

Phone: (760) 607-7021

Fax: (760) 874-8957  


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