Services
Freedom from Debt, Confidence for Life
- 90% of Americans have some sort of debt, especially people ages 30 to 59 who have kids.
- Total U.S. household debt reached $18.2 trillion in 2025, setting a new record, and is up $4.6 trillion since 2019. This includes:
- $12.80 trillion in mortgage debt
- $1.64 trillion in auto loans
- $1.63 trillion in student loans
- $1.18 trillion in credit card balances
- Source (American Household Debt: Statistics and Demographics)
- 78% of Americans would face financial hardship if their paycheck were delayed by just one week. This reflects a 6% rise from 72% in 2022, indicating a growing number of people are living paycheck to paycheck. (source: Survey Reveals Six Percent Increase in Americans Living Paycheck to Paycheck in Just One Year)
- Financial stress is a major factor in divorce, with 36.7% of individuals citing it directly and at least one partner in 55.6% of couples identifying it as a key contributor. (source: Reasons for Divorce and Recollections of Premarital Intervention: Implications for Improving Relationship Education - PMC)
We want you free! Forward Financial Group produces a written plan for people to be out of debt in five to seven years, including their mortgage, usually without changing their current income. We’ve found that 4 out of 5 households can be free from this bondage in five to seven years with some strategy changes. Imagine being free to dream again and no longer limited by your debt.
Debt Reduction & Financial Strategy
Understanding Your Debt Profile
At Forward Financial Group, we've been helping families "fix the money thing" since 1993. Our mission is to remove the mystery from financial decisions—whether it’s paying off debt, refinancing, insurance, investing, or planning for retirement—so you can confidently move toward your goals. We take a close look at how you spend your money and identify opportunities to free up funds, giving you more control over your financial future.
Through our proven Freedom Plans, we've helped thousands of families across the U.S. restructure their spending patterns and assets to increase monthly cash flow and accelerate their journey to becoming debt-free. The best part? We don’t charge a fee for this service. That’s right—our guidance is provided at no cost to you, because we’re committed to making financial freedom achievable for everyone.