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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.

Do you really know how much of your monthly payment goes towards interest?

(Hint: It’s more than the stated rate on your monthly statement!)

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

Click the video link below to learn how to properly calculate your actual interest expense on your current debts. You will be asked to enter an Access Code to use the tool. The Access Code is 928-556.


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 that 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 Planning – Many American’s don’t plan for taxes taken on their disbursements and think it’s tax-free. The government always gets its cut, whether you contribute to a post-tax (Roth IRA) or a pre-tax (traditional IRA/401k). With guidance from your tax-aware retirement planner, you can find out if those taxes to the government are sustainable long-term and look at the effect on your retirement portfolio with the additional withdrawals to make up for a shortfall. (Tax-Aware Planning by SMP Strategies, LLC)

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 convert your Qualified monies to a Roth IRA but are not sure how to do that. Let’s build a strategy to show you how to do that

Social Security Maximization – Many people are still not aware that their Social Security may be subject to taxation during retirement. Let’s do a provisional income analysis of your overall retirement income to see how you will be affected.

Estate Planning – (services offered through Joe Downing Law an Ohio Law Firm)– Are you in need of POAs, Wills, Trusts, or Planned Giving. We offer comprehensive Estate Planning from the basics (POAs and Wills) 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.”


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

~Mona & Kevin

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.


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!!!


Safe Money Partners LogoYour Partners in this Journey

Photo Of Jeff

Jeffrey Mohlman, CDFA®

Debt Elimination Strategist, Certified Divorce Financial Analyst Professional, and Retirement Income Planning Consultant

Debt elimination and being debt-free are at the core of most people who live the dream of having a solid retirement income strategy and financial plan. But once you have satisfied the ‘debt part of planning’ what about the heavier burden, taxes?

Jeffrey’s focus since 2001 is to teach hardworking people and business owners how to create a strategy that diversifies them into lesser-utilized, tax-exempt assets for their future. Jeffrey and his team believe that chasing higher rates of return without first establishing tax-efficiency will often result in a retirement that is void of adequate cash-flow to meet the client’s long-term needs.

Jeffrey has developed a comprehensive team of financial planning and estate planning experts who work for their client’s short-term and long-term goals. Today, the approach he incorporates for his clients follows three basic tenets: 1) being debt-free, 2) maximizing after-tax retirement income and 3) protecting their estate from unforeseen risks.

Jeffrey is also a Certified Divorce Financial Analyst and helps both the client and their lawyer understand how the financial decisions made today will impact the client’s financial future. A divorce lawyer may be well suited to argue in a court of law, but may not have the financial planning background to understand the long term financial impact of a divorce settlement. As a CDFA, Jeffrey ensures his clients receive an equitable divorce settlement and helps them plan for a secure financial future for any dependents. See Jeffrey’s bio on Divorce Force.

Photo Of Bryan

Bryan Pitstick

Co-Founder and Financial Counselor

After focusing on business and finance at the University of Cincinnati, Bryan began his career helping retirees manage the risks of their later years. He quickly found the struggles these clients were facing most often stemmed from a lack of financial knowledge, resources, and professional assistance. In an effort to prevent others from reaching retirement without the tools to experience financial health, Bryan shifted his focus to working with professionals and families in their working years who find themselves stuck in debt (credit cards, student loans, etc.) while wishing for current wealth and dreaming of early, financially carefree golden years.

Working with his clients’ pre-retirement, Bryan bases the foundation of his client relationships on building their financial literacy in the areas of tax efficiency, debt elimination, and increasing cash flow. With lifelong learning at the core of his professional code of ethics, Bryan is always networking to grow his knowledge of what the wealthy and financially independent do in order to bring to his clients some of the most comprehensive financial education available. With that educational base, he further empowers clients by sharing trusted tools and resources to create a plan to eliminate the debt, for life, while simultaneously jumpstarting a strategy for building wealth that will be accessible now and through retirement. It’s not about a short-term fix, but a life-long solution that will keep you forever debt-free so that you can plan for the future while also enjoying the present. Bryan’s clients are now able to get control of their spending, debt, savings, and taxation from now and into retirement.

Kyle Williams

Financial Consultant and Debt Elimination Strategist

Starting in 2011, Kyle has always built his career with a client-centered approach. Beginning his business with a focus on Medicare gives him a unique perspective on the retirement planning process. While many advisors spend most of their time focused on planning for retirement, he was able to see what retirement actually looked like for thousands of people. Kyle always thought that by the time someone retired they would be debt-free and have saved enough to enjoy the golden years. However, that is not the case for many.

Kyle was shocked to see how many households lived in retirement with debt. It wasn’t just having a mortgage either. Most of the households he visited with had a mortgage, credit cards, vehicle loans, medical debt and some of them even had student loans. He also was able to see the negative impact this debt had on their ability to save for retirement. For those few who were able to save for retirement, most, if not all, of their money was in tax-deferred accounts. This meant that every time the money was used, taxes would be due forcing them to take more out of those accounts than was needed. This didn’t look like the American Dream. There had to be a better way. So, he started to look for effective strategies to help the average American get out of debt.

It is for this purpose that Kyle is part of the Safe Money Partners Team. His mission; to help the average individual, couple or business owner get out of debt faster than they had ever thought possible. To educate them on the methods to stay out of debt and stop paying interest to the banks and lenders but instead redirect those interest payments back to themselves. Most importantly to follow through on the promise made to each and every debt elimination client; that once their debt strategy gets them Debt Free For Life he will personally take them onto the next step of building a sound, S.M.A.R.T. financial strategy for a tax-aware future.

Safe Money Partners

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

(937) 416-0139

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