Elisa Plan was established in 2016 initially to solely provide credit counseling services to individuals. By 2017 there became a need for family and community education around credit, finances and entrepreneurship. By 2018, Elisa Plan expanded services to include small business services and corporate/ community based trainings.

At Elisa Plan we strive to provide quality service to individuals and communities in the areas of financial literacy, household organization, mindfulness and building wealth through entrepreneurship.

Most of our clients are within the United States, however we have worked with individuals in other countries who desire to move back to the US and want to make sure they have an appropriate plan in place.

Our goal is to positively impact 50,000 households across the United States.

From her friend’s testimony via social media, Ruth received hundreds of inquiries that week, with others asking for assistance with their credit and finances. Within four months, Ruth decided to step out on faith and work on Elisa Plan full time.

Ruth has a desire to make finances heavily relatable to the audiences she’s speaking to. She understands her clients’ stories matter. Language matters. Authenticity matters, even when creating a financial plan. Through her transparency around growing up in foster care, becoming a single parent and being a full time entrepreneur, Ruth provides a ‘no-judgment zone’ which helps make her clients comfortable. By helping people discover their truth, and becoming aware of their own habits and patterns, she’s been able to help over 2,000 clients become financially fit.

With Ruth’s signature Elisa Plan curriculum, she now teaches youth and adults how to gain financial freedom. She also created and implemented several programs around entrepreneurship, leveraging personal and business credit, and debt management.

Ruth is a certified credit counselor through the National Association of Certified Credit Counselors. She holds a master’s degree in Education and is currently ABD in the Education, Leadership and Policy doctoral program at the University at Buffalo. Ruth is a member of Alpha Kappa Alpha Sorority, Incorporated and attends Glory House International Church. She currently resides in Western New York with her two children.