Wealth coaching, step by step

Wherever you're starting from, there's a clear next step.

Some people land here unsure what a 401(k) even is. Others are already underwriting their first rental. Either way, I'll meet you where you are and walk you through what to do next. In plain English. Without the lecture.

Find your stage Already past Stage 2? Work with me

Ray Tran speaking at an RT Invests wealth-building seminar — Ray Tran
Founder, RT Invests
As seen on Fox Business

Find your stage

Three stages. Pick the one that sounds like you.

Stages 1 and 2 are free, self-guided, and on this site. Stage 3 is where I work with people directly. Find the one that fits, and start there.

Stage 1

Foundation

Get a clear picture of your money: what's coming in, what's going out, what you owe. Everyone starts here, no matter how old or how well-paid.

This is you if…

You're not sure where your money goes each month
You have little or no emergency savings
You're carrying credit card or high-interest debt
You haven't read your paystub closely

Start Stage 1

Stage 2

Growth

You've got the basics handled. Now it's about putting your money to work: capturing free money from your employer, opening the right accounts, and learning what to actually invest in.

This is you if…

Your bills are paid and you have some savings
You have a 401(k) but aren't sure if it's set up right
You've heard of a Roth IRA but haven't opened one
You want to start investing but don't know where

Start Stage 2

Stage 3 · Coaching

Wealth

You're investing consistently and your savings rate is solid. The next chapter is building real assets: real estate, family wealth, and income streams that compound for decades.

This is you if…

You max out (or are close to) your retirement accounts
You're thinking about your first investment property
You're planning for kids' education or family wealth
You want income streams beyond your day job

Take on Stage 3

Still not sure?

See the whole journey

Why this works

Most financial advice fails because it skips steps.

Telling someone with credit card debt to “just buy index funds” is bad advice. Helping them clear the debt first, then invest, is good advice. The order matters more than the tactics.

Start at your real stage

No skipping ahead if the foundation isn't there yet. That's the number one reason people quit.

Walk through the steps

Each stage gives you 3 or 4 concrete actions in a deliberate order. Read it, decide, do it, move on.

Get help when you're stuck

When something needs a real human, a real estate deal, a tax question, a big call, that's where coaching kicks in.

Earn the unlock

1-on-1 coaching unlocks when you finish Stage 3.

We don't list services in the menu. The work I do directly with clients is for people who've already built the foundation. If that's you, finish the journey and the door opens at the other side.

Start the journey

Stage 1 · Step 1

Start with your budget.

Step 1 of the whole journey is a short read on building a real budget, plus an interactive tracker right inside the article. Plug in your income and expenses, see where you actually stand.

Open Step 1

What clients are saying

Real progress from real people.

“I worked with Ray a year ago to assess and create a financial plan. At the time I was in debt and struggling to make minimum monthly payments on my credit cards. Ray was professional, organized, extremely knowledgeable and created an easy to follow spreadsheet. He also had creative ideas in terms of extra income. He suggested bank accounts that would be best for accruing interest as well as different avenues for paying off debt. He was great at planning for future investments as well. I highly recommend Ray for any financial coaching as well as shifting and creating a more positive mindset around money.”

Krystle

Climbed out of credit card debt

“I have been coaching with Ray for only a few months and I wish I started sooner! Ray has not only given me financial literacy, but also the confidence to make wise decisions when it comes to spending, saving, and investing. He approaches each session with curiosity about my goals, answers my questions thoroughly, and even pushes me to be able to teach these skills to others. I have actually started advising my friends on where to allocate their money because of my time learning from him! Coaching with Ray has been the best decision I made for my financial future.”

Samantha

Wealth coaching client

“Ray has been my coach for the past 6 months and have seen so much growth! Ray does a great job of empowering you to develop skills that you can use for a lifetime. The tools I have gained through our sessions have given me confidence to start my journey as a real estate investor. I highly recommend working with Ray to achieve your financial goals!”

Lauren

Starting her real estate journey

Wherever you're starting

Find your stage and start working through it.

Three stages, ordered steps, all free. Coaching opens up once you've finished Stage 3.

Start the journey