5 Top Financial Experts to Pay Attention to

Are you in need of financial advice but don’t know who to turn to? Try these consensus best financial experts for your personal finance advice.

Keyword(s): Financial Experts

Personal finance is just that: personal. Everyone has different goals and different barriers to achieving them.

But you don’t have to reinvent the wheel to reach your financial goals – no matter how personal or unique they are. That’s why we have financial experts.

There are people out there who have dedicated their lives to helping people achieve financial freedom whatever their path. And they all offer different methods for doing just that.

Want to know if there’s a pro out there who is right for you?

Check out these five financial experts:

Dave Ramsey – Eliminating Debt

Dave Ramsey first got into personal finance in the 1980s when he dove into the foreclosure real estate market. His portfolio was worth around $4 million.

Then, he lost everything.

After working his way up the financial ladder only to tumble back down, Ramsey knew he had to start over. He also knew he had to do things differently.

Today, Ramsey runs a popular AM radio show and has authored several popular money books. His message is consistent throughout: avoid debt.

His status as one of the top financial experts lies in that his advice is simple to understand. But it is also a fundamental part of money management. Essentially, he provides great advice for those who need help turning their lives (and finances) around.

Ramsey hates credit cards and prioritizes paying off debt above anything else. He advocates for putting aside a $1,000 emergency fund, forgetting about retirement, and then going hog wild on any debts incurring interest, starting with the smallest balance first.

Essentially, he argues that once you’ve eliminated all your debt, you’re free to save for all kinds of other things.

So, if you maxed out a few credit cards in your youth (or adulthood) and need to figure out how to pay off that high-interest debt, Dave Ramsey is your man and the debt snowball is your plan.

Grant Cardone – Adding Income Streams

Grant Cardone is a professional sales trainer with a unique message for his followers: spending and debt aren’t a big deal.

His trick? Simply make more money.

Cardone is a big believer in potential – earning potential. The best way to deal with the expenses associated with daily life is not to minimize debt or whittle your household budget down to next to nothing.

Instead, those looking for financial freedom should aim to catapult themselves into the high-earner category. You know, the St. Barth’s at New Year and Martha’s Vineyard in the summer crowd.

His perspective on spending is different from most other money management gurus, but Cardone knows what he’s talking about. He’s currently living his own advice.

Cardone used his own finances and traditional bank loans to snap up $350 million in multi-family residential real estate across the United States. His real estate side-hustle provides him with enough extra income to own and maintain a Gulfstream G200 private jet.

Check out Cardone on social media to see into the life of one self-made multimillionaire and grab some inspiration for a side hustle of your own.

Gerald Celente – Surviving Financial Apocalypse

Gerald Celente is the economist best known for forecasting and managing trends.

What does that mean? He reads current events and analyzes them (without political bias). That analysis is used to see into the future – the financial future.

Celente looks for the warning signs that signal upcoming financial meltdowns.

He’s the one who got you interested in the subprime auto-loan bomb poised to damage the American economy.

He’s worried about the threat of war sending gold prices through the roof and the imminent collapse of the financial markets because of the humungous debt.

He worries a lot.

His forecasts are not filled with rainbows and sunshine. But they are of use to those who want to future proof their finances in the event of another economic crisis.

Chris Hogan – Preparing for Retirement

Chris Hogan is a member of the Dave Ramsey team. His mission? To prepare Americans for a long, relaxing retirement.

Speaking as a former banker, Hogan says those looking forward to retirement need to consider what kind of retirement they want to have. He and his team developed what they call the R:IQ – or the Retire Inspired Quotient.

The goal is to help anyone thinking about retirement – at 30 or at 60 – figure out what they want from retirement. Once you know what you want, it is far easier to transition into actively planning and saving for it.

Hogan doesn’t want you to throw a random amount of money into a retirement account and call it good. He wants clients and readers to get what they want out of their retirement years whether that means living frugally or finally splashing out.

Chris Hogan’s advice is ideal for anyone who is ready to start thinking about the future they want whether you’re 35 or 65.

Tony Robbins – Creating a Mindset for Success

Tony Robbins is a financial coach, but he’s also a self-proclaimed life success coach.

Rather than bad-mouthing credit cards or focusing on trimming your budget, Robbins wants to help create mindsets prepared for success.

That means he wants to talk about more than numbers. Robbins is also interested in helping you develop the mindset required to make changes to your financial situation.

Robbins offers a series of mind development tools that allow anyone to better prepare themselves as a whole and support financial success. He talks about dedicating time to reading, giving back, asking the right questions, and learning to visualize your goals.

Effectively, Robbins offers a more holistic view of personal finance centered on personal responsibility.

Robbin’s advice is great for people who know the basics of personal finance, but who need to alter the way they think to match what they know.

There is a financial expert out there for everybody regardless of age or financial goals. There’s no need to blaze a new path when you can take the most lucrative road available.

Have you thought long and hard about your own personal goals? Have any tips you’d love to share? Let us know in the comments below.

Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.


Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat