101 Financial

Founded in 2002 by Alan Akina in Hawaii, 101 Financial provides financial education and one-on-one coaching based on a proprietary money management system. The company's mission is to empower individuals to take control of their finances by teaching them "smart banking" principles, which often involve strategically using lines of credit to pay off amortized debt (like mortgages and student loans) more rapidly. They operate through a network of certified instructors who guide clients through the educational programs and help them implement the system.