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5335 Far Hills Ave, Suite 217, Dayton, OH 45429

Climb Out of Debt
with our
Easy to Follow and Proven Solution to Financial Freedom

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OUR MISSION: To Eliminate Your Debt

It’s just that simple. More than 80% of working American’s have bad debt. It attacks your health, your happiness and your freedom. There is page after page of ‘debt elimination plans’ on the internet promising you FINANCIAL FREEDOM if you ‘just take out this consolidation loan with us’ or ‘sign up for this program’. You know-get out of debt by taking on MORE DEBT! Right, that makes sense!?

Our concept provides a solution for paying off debt, reducing taxes and increasing retirement savings using a safe, predictable process that provides guarantees. We can show you how to be free from lenders in 10 years or less, including your mortgage, without spending any additional dollars.

  • Reduce the volume of interest you are paying to lenders.
  • Get out of debt in half the time as your current schedule.
  • Increase your cash-flow.
  • Repair your credit
  • Decrease your taxes.
  • Save for college.
  • Retire with tax-favored income.

How Much of Your Monthly Payment
Goes Towards Interest?

Calculate Your Effective Interest Cost

Use this tool to help you understand how to calculate the interest you’re ACTUALLY paying on your debts.

Use the Calculator

How Much of Your Monthly Payment Goes Towards Interest?

Use this tool to help you understand how to calculate the interest you’re ACTUALLY paying on your debts.

Use the Calculator

What Percentage Of Your Money Hasn’t Been Taxed Yet?

Use this tool to find out what percentage of your money in various accounts has yet to be taxed and what that amount will be.

Use the Calculator


Fee-Only Divorce Financial Planning

If you are contemplating divorce/separation, are in the divorce process or already divorced you deserve the opportunity to work with someone who has studied what the rights, benefits, and entitlements are of someone in your situation. Let’s discuss what is important to you related to life after divorce and what planning looks like for you to still achieve your financial goals. (Divorce Financial Planning by SMP Strategies, LLC)

Tax Aware Retirement Insight

Are you compounding your retirement monies or are you compounding your future tax liability? Do you want to focus on a future that has taxable income or tax-exempt income? An analysis of your savings buckets can help you better understand if you have more allocation going to the tax-deferred ‘bucket’ rather than the tax-free ‘bucket’ for your retirement.

Roth IRA Conversions

If you believe taxes are going to go up in the future you may be one of the many people in American that want to better understand how you might be able to convert your Qualified monies to a Roth IRA.

Social Security Maximization

Many people are still not aware that their Social Security may be subject to taxation during retirement. A provisional income analysis will provide more insight for you.

Estate Planning

(Services offered through Joseph Downing Law an Ohio Law Firm)– Are you in need of POAs, Wills, Trusts, or Planned Giving.  Joseph Downing Law offers comprehensive Estate Planning from the basics (POAs and Wills to many types of Trusts) to help you decide what your legacy will be when you are no longer with us.

Debt Elimination Strategies

Still making the minimums and not making a dent in your debt? It’s time to start planning to pay off your debt for good and plan for the future. We can create a unique plan to help you pay off your debt and start planning for your financial future.


“Working with [Safe Money Partners], I learned a lot about interest rates and figured out the best plan of attack. Making sure I’m on top of everything. Making sure I keep my debts down low. That way I’m able to put more money towards a college fund [for my kids] and my retirement.”


I am truly grateful for both of you, Jeff and Bryan, and all your help over the last couple of years! I came to you as a single mom in debt and hated even talking about money. You have no idea how great it feels to not stress over money everyday. I would have never been able to even consider buying a home and paying off debt without your help. It all seemed so overwhelming and I appreciate your patience, faith, and genuine caring. You have had an amazing impact on my life and I will be forever thankful.


Praise and thanking our Lord and Savior Jesus Christ! Thank you for all that you do!

~Mona & Kevin

You enhanced our retirement planning and we realized how knowledgeable and honest you were. We were also very comfortable with your non-pressure approach to our planning and you answered all questions we had. Now that we know how much we can trust you; you have become our “go to guy” for all our retirement planning.

We consider you a member of our family. You’re a very special and knowledgeable professional!!!


Helpful Resources

The Debt Snowball Ebook

This debt reduction strategy uses behavior modification to keep you paying off your debt.


3 Disadvantages of Saving with a 403(b) Plan Ebook

Who wouldn't want to save for the future? A 403(b) can make that happen, but is it the right choice?


Debt Free for Life Webinar

This webinar sheds light on the misconceptions most people have about debt and money management.

Watch Now

Taking Control of Cash & Eliminating Debt Workshop

Financial stats, create a value-based budget, save money, and increase your cash flow.

Watch Now

Latest Blog Posts

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As a teacher, you’re in a position of having some of your retirement planning done for you. You’re most likely paying a percentage of your salary into your pension, and when you retire from [...]

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The Impact of Paying Off Credit Card Debt

It doesn’t matter how it started. Credit card debt can be a crippling financial burden. For many, credit card debt was not something they thought they’d need to deal with long term. Maybe you [...]

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Safe Money Partners

5335 Far Hills Ave., Suite 217
Dayton, OH 45429

(937) 416-0139

Take the First Step: Schedule a FREE Consultation

Learn more about how we help people gain financial freedom with this tried and proven system. Complete the form below and we’ll connect with you to schedule a meeting at our office to help you get started.

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