Finance Risks Fixing brings premium loans, investment management, insurance, and wealth planning under one trusted roof. Licensed advisors. Transparent fees. Real outcomes — for clients across all 50 states.
Helping Americans Build, Protect & Transfer Wealth — Since 1999.
Finance Risks Fixing is a Sparks, Nevada-based financial services firm serving individuals, families, and small businesses across all 50 states. We blend human expertise with modern technology to deliver transparent, fiduciary-grade financial guidance — without the Wall Street price tag.
Our certified advisors hold CFP®, CFA, and ChFC designations and operate under a strict fiduciary standard. Every recommendation we make is in your best interest — not ours.
Our Vision
To become America's most trusted financial partner — making premium wealth guidance accessible to every household.
Our Mission
Empower clients to make confident financial decisions through transparent advice, education, and long-term partnership.
Our Values
Integrity, transparency, fiduciary duty, client-first thinking, and relentless pursuit of financial excellence.
Our Principles
Always fiduciary. Always transparent. Always long-term. We measure success by your outcomes, not our commissions.
Milestones & Metrics
Numbers That Build Trust
Two and a half decades of disciplined service, measured in real client outcomes.
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Assets Under Management
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Clients Served
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Client Retention
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States Served
Why Choose Us
Six Reasons Americans Pick Us
A modern financial partner built on fiduciary principles, certified expertise, and obsessive client care.
Fiduciary Standard
We're legally bound to act in your best interest. No hidden commissions, no conflicted advice — ever.
Certified Advisors
CFP®, CFA, and ChFC holders with an average of 15+ years of experience guiding American households.
Bank-Grade Security
256-bit encryption, SOC 2 Type II infrastructure, and biometric authentication protect every account.
24/7 Concierge Support
Real humans, real time. Average response under 4 minutes — anytime, anywhere across the USA.
Transparent Pricing
Flat fees, clearly disclosed. No surprise charges, no back-end trails. You always know what you pay.
Licensed in 40+ States
From Nevada to New York, our advisors hold the state licenses required to serve you wherever you live.
How We Work
A Simple, Proven Process
Four steps from first call to financial clarity — most clients complete onboarding in under a week.
01
Discovery Call
A free 30-minute consultation to understand your goals, current finances, and what success looks like to you.
02
Custom Strategy
We build a personalized financial blueprint covering loans, insurance, investments, and tax strategy.
03
Implementation
Our team executes the plan — opening accounts, restructuring debt, activating coverage, and deploying capital.
04
Ongoing Stewardship
Quarterly reviews, real-time adjustments, and an always-on dashboard to keep your plan on track.
Loan Services
Loans Built for Real Life
Competitive rates, transparent terms, and same-day pre-approval on home, education, business, auto, personal & mortgage loans.
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Home Loan
Buy, build, or refinance the home you love. Fixed & adjustable mortgages starting at 5.49% APR with no hidden lender fees.
Four flagship investment programs — actively managed, transparently priced, and tailored to your risk profile.
Investment Management
Actively managed portfolios across equities, fixed income, alternatives, and ESG. Customized asset allocation with quarterly rebalancing and a dedicated portfolio manager. Minimum $50,000.
Stock Investment
Direct stock investing with research-driven recommendations, real-time alerts, and $0 commission on US-listed equities. Fractional shares available on 7,000+ stocks and ETFs.
Gold Investment
Physical gold, gold IRAs, and gold-backed ETFs. Hedge against inflation and market volatility with IRS-approved precious metals — stored in insured, audited vaults.
Mutual Funds
Curated mutual fund portfolios across 200+ no-load fund families. Actively managed, index, target-date, and sector-specific funds with expense ratios starting at 0.04%.
Start Investing With Just $1,000
Free portfolio analysis — we'll stress-test your current holdings and show you where you're exposed.
Tell us what you need — we'll match you with the right specialist and confirm within 1 business hour.
What to Expect
Every consultation is free, confidential, and no-obligation. We'll listen first, then offer clear next steps — even if that means recommending a different provider.
30-Minute Discovery Call
We discuss your goals, current finances, and timeline — no jargon, no pressure.
Custom Written Plan
You'll receive a written summary of recommendations within 48 hours — yours to keep.
Zero Obligation
72% of callers become clients. The rest walk away with a free plan and no hard feelings.
Bank-Grade Privacy
Your information is encrypted, never sold, and shared only with your explicit consent.
Thank you! Your consultation request was received. An advisor will call you within 1 business hour.
Client Reviews
Real Stories From Real Americans
4.9/5 average rating across 2,800+ verified client reviews on Google, Trustpilot, and BBB.
★★★★★
"Finance Risks Fixing refinanced our mortgage and saved us $837 a month. The advisor walked us through every option, answered every question, and never once pressured us. Best financial decision we've made in 20 years of marriage."
JM
Jennifer Martinez
Austin, Texas
★★★★★
"As a small business owner, I was drowning in debt and high-interest loans. Their debt relief team negotiated my balances down 52% and built a 3-year payoff plan I could actually afford. I sleep at night again."
DR
David Richardson
Denver, Colorado
★★★★★
"I started investing with Safe Finance in 2021 with $25,000. Three years later, my portfolio is up 38% net of fees. They explain everything in plain English and never make me feel rushed. Highly recommend."
SK
Sarah Kim
Seattle, Washington
★★★★★
"After my husband passed, I had no idea how to manage our finances alone. Their estate planning team helped me set up a trust, restructure my investments, and plan for retirement. Compassionate, patient, brilliant."
PT
Patricia Thompson
Phoenix, Arizona
★★★★★
"I'm 28 and just bought my first home with their first-time buyer program. They got me a 5.74% rate when other lenders quoted 6.5%. The whole process took 23 days. These people know what they're doing."
MJ
Marcus Johnson
Atlanta, Georgia
★★★★★
"The credit repair service is the real deal. My FICO went from 587 to 712 in four months. I just got approved for a premium rewards card I never thought I'd qualify for. Worth every penny of the Growth plan."
AC
Amanda Chen
Miami, Florida
Frequently Asked
Your Questions, Answered
Eight things every prospective client wants to know before booking a call.
Are you a fiduciary financial advisor?
Yes — 100%. Finance Risks Fixing operates under a fiduciary standard, which means we are legally obligated to put your interests ahead of our own. We do not earn commissions on product sales and we disclose every fee in writing before you commit.
What states do you serve?
We are currently licensed to serve clients in 40+ states and the District of Columbia. If we are not yet licensed in your state, we will refer you to a vetted local partner at no cost. Call us to confirm availability in your area.
How much does a consultation cost?
Your first 30-minute consultation is completely free — no credit card required, no obligation to enroll. If you decide to become a client, our Growth plan is $49/month and Premium is $199/month, both billed annually with a 30-day money-back guarantee.
What is the minimum investment to get started?
Our actively managed Investment Management service requires a $50,000 minimum. For self-directed investors, our Stock Investment platform has no minimum — you can start with as little as $1 using fractional shares. Mutual fund portfolios start at $1,000.
How fast can I get pre-approved for a loan?
Most loan pre-approvals are completed within 60 seconds using a soft credit check (no impact to your score). Final underwriting typically takes 3-7 business days for personal and auto loans, and 21-30 days for mortgages, depending on documentation speed.
Will using your services affect my credit score?
Initial consultations and pre-qualifications use soft inquiries that do not affect your score. A formal loan application will trigger a hard inquiry, which may temporarily lower your score by a few points. Our credit repair service, on the other hand, is designed to raise your score over time.
How do you protect my personal and financial data?
We use 256-bit AES encryption (the same standard used by major banks), SOC 2 Type II certified infrastructure, biometric authentication, and mandatory multi-factor authentication for all client portals. We never sell your data — ever. Read our Privacy Policy for full details.
Can I cancel my membership at any time?
Absolutely. There are no long-term contracts and no early-termination fees. You can cancel your Growth or Premium membership at any time from your client portal or by calling our support line. Annual subscribers receive a prorated refund for unused months.
Get In Touch
Let's Build Your Financial Future
Reach us by phone, email, or visit our Sparks, Nevada office. We respond to every inquiry within one business hour.
Contact Information
Whether you're ready to book a consultation or just have a quick question — we're here to help. Real humans, real answers, real fast.
Last updated: January 2026. This Privacy Policy explains how Finance Risks Fixing collects, uses, and protects your personal information when you use our website and services.
1. Information We Collect
We collect information you provide directly — including your name, email, phone number, state of residence, and financial details you choose to share during consultations or through forms. We also collect usage data such as IP address, browser type, and pages visited.
2. How We Use Your Information
To provide and improve our financial services and consultations
To respond to your inquiries and schedule appointments
To send you newsletters, market updates, and service offers (with your consent)
To comply with legal and regulatory obligations
To detect, prevent, and address technical issues or fraudulent activity
3. Data Sharing
We never sell your personal information. We share data only with trusted service providers (such as custodians, credit bureaus, and payment processors) who are bound by strict confidentiality agreements, or when required by law.
4. Data Security
We use 256-bit AES encryption, SOC 2 Type II certified infrastructure, biometric authentication, and mandatory multi-factor authentication for all client portals. Despite these measures, no system is 100% secure, and we cannot guarantee absolute security.
5. Your Rights
Under CCPA, GDPR, and applicable state laws, you have the right to access, correct, delete, or restrict the processing of your personal data. To exercise these rights, contact us at privacy@financerisksfixing.info.
6. Cookies
We use essential cookies for site functionality and analytics cookies to understand user behavior. You can disable cookies in your browser settings, though some features may not work properly.
7. Contact Us
For privacy questions or requests, email privacy@financerisksfixing.info or call (775) 965-2145.
Terms & Conditions
Last updated: January 2026. These Terms govern your use of the Finance Risks Fixing website and services. By accessing our site or engaging our services, you agree to these Terms.
1. Services Provided
Finance Risks Fixing provides financial advisory, loan facilitation, insurance brokerage, investment management, and related services. Specific services are subject to separate agreements and applicable state and federal regulations.
2. Fiduciary Duty
We act as a fiduciary under the Investment Advisers Act of 1940 where applicable. However, certain loan and insurance products may be offered through affiliated third parties under different regulatory standards, which we will disclose in writing.
3. No Guarantee of Results
While we strive to provide excellent service, we cannot guarantee specific financial outcomes, investment returns, loan approvals, or credit score improvements. Past performance does not guarantee future results.
4. Fees & Billing
Our Growth plan costs $49/month and Premium costs $199/month, billed annually. A 30-day money-back guarantee applies to first-time subscribers. Loan and insurance products may carry additional third-party fees, disclosed at application.
5. User Responsibilities
Provide accurate, complete, and current information
Maintain the confidentiality of your account credentials
Notify us immediately of any unauthorized account access
Use our services only for lawful purposes
6. Intellectual Property
All content on this website — including text, graphics, logos, and software — is the property of Finance Risks Fixing and protected by US copyright law. You may not reproduce, distribute, or create derivative works without our written consent.
7. Limitation of Liability
To the maximum extent permitted by law, Finance Risks Fixing shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits, investment losses, or data breaches unrelated to our negligence.
8. Governing Law
These Terms are governed by the laws of the State of Nevada, USA. Any disputes shall be resolved in the state or federal courts located in Washoe County, Nevada.
9. Changes to Terms
We may update these Terms at any time. Continued use of our services after changes constitutes acceptance of the updated Terms.
10. Contact
For questions about these Terms, email legal@financerisksfixing.info or call (775) 965-2145.
