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You're Making Money But Are You Keeping It?
Built by a business owner, for business owners.
We don’t sell products—we reveal powerful truths about your money, and show you a smarter path.
Most business owners are unknowingly losing thousands to taxes, debt, inefficiencies, and financial decisions made without strategy.
With the Financial GPS, we’ll help you fix the leaks, save smarter, grow wealth, and protect what matters.
Tax-Free Wealth Building
Stop Losing Millions to Banks, Wall Street, and the IRS...And Beat Them At Their Own Game!
We specialize in helping you find money you didn't know you were losing unnecessarily. Our strategies help our clients increase their cash-flow, save more money and grow their wealth, all in a tax-free way.
UNLOCK YOUR PATH TO FINANCIAL CONFIDENCE AND CONTROL!
Stop operating on guesswork. With the right financial blueprint, you can finally gain clarity on where you are, where you're headed, and how to reach your goals without sacrificing your lifestyle—or your sanity.
Whether you're trying to improve cash flow, reduce your tax burden, grow your wealth, or protect your business and legacy, your Financial GPS is the first step.
Save Smarter
Recover cash flow, reduce taxes, restructure debt, and stop financial inefficiencies that are costing you every month.
Grow Wealth
Use smart financial structures (not just market returns) to build wealth that’s liquid, tax-advantaged, and built around your goals.
Protect What Matters
Shield your income, your business, and your legacy with real strategies—so your plan doesn’t fall apart when life happens.
What We Do
A Smarter Model for Your Money
We help you answer 4 of the most important financial questions:
How much do I really need to save to maintain my lifestyle?
What return do I need to earn to reach my financial goals?
How long will I need to work before I can afford to retire comfortably?
And if I change nothing… how much would I need to cut my lifestyle to avoid running out?
Most business owners can’t answer these—and that’s where the leaks begin.
Our Financial GPS process gives you the clarity you’ve been missing, in just 15 minutes.
OUR APPROACH
Discover the Game-Changer: Financial MRI and Financial Lab
Your financial journey deserves more than just broad strokes—it demands precise, data-driven insights. That's where the Financial MRI and Financial Lab come in. By meticulously dissecting your finances, our tools reveal, on average, anywhere from $500,000 to an astounding $2 million in overlooked opportunities and potential pitfalls. It's not just about spotting the challenges but about strategizing for future success. Transform passive knowledge into decisive action, and watch as your financial landscape evolves, mirroring the prosperity you've envisioned.
AVERAGE AMERICAN HOUSEHOLD APPROACH:
OUR APPROACH:
Here’s What’s Possible When You Use a Financial GPS Instead of Guesswork...
Find out what we've been able to do for some of our clients...
Cash Flow + Debt Optimization
James – Chiropractor
💡 “I was making six figures but always felt like I was behind. I didn’t realize how much money I was losing just by doing what I’d always done.”
📈 Outcome:
➡️ Recovered $2,400/month
➡️ Reduced debt payoff timeline by 6 years
Results:
We helped James restructure his loan payments, optimize his insurance, and stop unnecessary financial leakage—without cutting his lifestyle.
College Funding Strategy
Brian & Stephanie – Business Owners & Parents
💡 “We thought we were doing everything right by saving for our kids’ education. Turns out, we were disqualifying ourselves from $20K+ in aid.”
📈 Outcome:
➡️ Recovered $22,000+ in college grant eligibility
➡️ Maintained full access to their savings
Results:
Repositioned $90K in savings to a more aid-friendly strategy without locking it up—so they could protect college funding and their cash flow.
Business Succession Planning
Nate & Leo – Co-Owners of a Landscaping Business
💡 “We had no idea what would happen to the business—or our families—if one of us passed away. Now we have a plan and peace of mind.”
📈 Outcome:
➡️ Fully funded Buy-Sell Agreement
➡️ Protected their business + their families
Results:
Helped them create and fund a buy-sell agreement using life and disability insurance—so the business would continue even if one of them couldn’t.
Cash Flow Recovery Strategy
Rachel & Miguel – Print Shop Owners
💡 “We thought we needed to earn more to feel less pressure. Turns out, we just needed to fix how our money was flowing.”
📈 Outcome:
➡️ Recovered $1,500/month in hidden leaks
➡️ Increased business liquidity with no added income
Results:
Found inefficiencies in their taxes, debt payments, and insurance structure—then redirected those dollars into a long-term growth plan.
Curious what your Financial GPS would uncover?
Most clients are shocked to see how much they’re losing without realizing it.
In 15 minutes, we’ll help you see exactly where you stand—and where your smartest opportunities are.
ABOUT US
Two Decades of Financial Insight, One Passionate Vision
Built by a Business Owner, for Business Owners
I’m Senia Gramajo, a Registered Financial Consultant, licensed insurance professional, and business owner with nearly 20 years of experience helping entrepreneurs take control of their finances.
At Financial Sensei, we work with driven business owners who are making money—but still feel like it’s slipping through the cracks. Our proprietary Financial GPS system gives you the clarity to stop losing money unknowingly and start building wealth strategically.
In just 15 minutes, we help you map out:
Where you are right now
Where you want to go
And the most efficient, tax-smart way to get there
Most of our clients are shocked by how much money they’re losing—without even realizing it. Once we uncover it, we show you exactly how to redirect it toward your goals.
No fluff. No sales pitch. Just math, strategy, and a real plan.
And you won’t have to do it alone.
You’ll also be connected with a trained member of our team—fully certified in the Financial GPS system and ready to support your success.
Credentials & Background
✔ Registered Financial Consultant (RFC)
✔ Licensed Insurance Professional
✔ Nearly 20 years in financial services
✔ Business owner & entrepreneur
✔ Wife of almost 30 years, mom of 3
✔ Passionate about empowering business owners with data-driven financial decisions
My Belief
I believe most business owners don’t have a money problem—they have a clarity problem.
They’re working hard, making good money… and still wondering why it’s not adding up.
It’s not your fault. Most advice out there is product-first, not strategy-first.
You don’t need more risk. You need more structure.
You deserve a financial system built around your goals—not a sales quota.
ABOUT US
Two Decades of Financial Insight, One Passionate Vision
18+ years working in and with financial services industry...
Our Founder's Odyssey
Every revolution begins with a spark. For our co-founder, Ksenia Gramajo who is Registered Financial Consultant (RFC), that spark was her personal journey through the labyrinth of financial systems. Encountering challenges and revelations alike, our founder was driven not just by the pursuit of personal wealth but by a larger vision: to decode the mysteries of financial prosperity for all. It was this passion that paved the way for the birth of our company. Today, our founder's ethos remains deeply embedded in our core, guiding us as we empower countless individuals on their journey to financial enlightenment.
"Wealth is not a result of luck, but the outcome of consistently applying knowledge, discipline, and vision."
—Ksenia Gramajo
Driven by a Singular Mission
Financial education is our heartbeat. Our dedication stems from the belief that informed financial strategies should be accessible to everyone, irrespective of their past or present financial standing. At Financial Sensei, we're on a mission to shatter the barriers, demystifying wealth-building, and ensuring it's not an elite privilege but a universal right.
Our co-founder, Senia Gramajo is a Registered Financial Consultant (RFC) and has worked with and in insurance and financial services industry for close to 2 decades accumulating unprecedented insights into the industry. Financial Sensei was born out of our passion to help others and empower individuals
and families with true data about money so they make better financial decisions that lead to wealth building, growth, preservation and financial independence.
Our Wealth Building Specialists
Each Wealth Building Specialist on our team is a torchbearer of our founder's vision. Equipped with unparalleled expertise and a genuine desire to make a difference, they're not merely advisors; they are your partners on the path to affluence. By understanding your unique narrative and financial aspirations, they craft bespoke strategies tailored for your success.
Join Us on the Road to Financial Freedom
Step into our world, a place where financial dreams transition into lived realities. With us by your side, every financial milestone is not just attainable, but just the beginning.
© Copyright 2020-2025 Financial Sensei, LLC., All Rights Reserved.
Disclosure: Our content is meant for educational purposes only. While it’s our goal to help you learn about building a life of prosperity, we do not intend to provide financial advice. Please consult your financial, tax or legal advisor before making any investment or financial decisions. Information is only available to people who have a presence in the US.