"Some time ago, my wife and I were struggling with debts, house payments and lack of direction financially. We wanted to become more comfortable with our living style and wanted the security of knowing we were financially stable. It was with these goals in mind I began researching & looking for answers.  

I invited many ‘professional finance experts’ into our home to discuss options on how to turn our financial situation around. We were struggling and no one seemed interested in 

helping & educating us or they simply had ‘bad news’ to discuss.  My wife was certainly getting frustrated with my attempts and the visits of so many ‘professionals’.

Then came Rick Gardner from Advanced Wealth Creations.

Rick turned our problems into solutions and he immediately provided directions that seemed not only achievable but realistic as well.  One of the qualities that my wife and I really loved about Rick and still do, is his positive attitude and outlook to life and money. Rick not only found solutions to our financial problems but he began to educate us on better ways to use money rather than letting it control us. 

There is no problem without a solution where Rick is concerned. In our many discussions often he would sigh, look up in the sky and then say “I don’t have a problem, we can do that”.  That’s Rick, he taught us that there is always a solution. Although we are a lot better off financially we only ever make decisions with Ricks advice.

Rick's infectious enthusiasm and great outlook on life and money has taught us to no longer treat money as something to be scared about, particularly when investing and buying. We now associate ourselves with positive people like Rick and his wife Fiona. Without them we would not be where we are today.

Since we met Rick a few years ago, we now own four homes, a very large motor bike and a convertible. We are completing major renovations to our home and have just bought two airline tickets to London. Not bad considering we were bankrupt a few years ago. 

Along with the financial success that Rick has brought us, he has taught my wife and I valuable lessons on how to be dependant on ourselves in life as well as financially. Rick and Fiona are now part of our lives socially and professionally and I feel very confident that their advice, support & influence has lead my wife and I to where we are today.

Make a decision, set goals and aim to achieve them. Remember there are ‘good debts and bad debts'. 

Rick can tell you what they are."

                                     - Steven and Louise