Our Services

Fred Livai Financial offers transparent, upfront pricing for personalized financial services, ensuring clarity in wealth management, credit repair, and budgeting without hidden fees.

No Compromise, Just Maximize


$299 Enrollment and only $119 per Month

  • FREE Credit Monitoring to keep track of your progress ($29.95 Monthly Savings)

  • Your own Personal Credit Portal for easy access to your information

  • Low monthly fees that make our services affordable

  • Two Essential Financial Services for the PRICE OF ONE

  • Help understanding your Spending Habits for smarter money management

  • Guidance in creating a Personal Budget that fits your lifestyle

  • Assistance in designing your Financial Plan to secure your future

  • Learning about the Emotional Side of Money to make better decisions

  • Guidance in establishing your Emergency Fund for financial peace of mind

  • Support in Managing Debt Efficiently to free you from financial burdens


Life insurance policies at Fred Livai Financial are meticulously crafted to align with individual budgets and needs while adhering to state regulations. We ensure that each policy is as unique as the client it serves, providing a bespoke solution to meet your specific financial security requirements.

Safeguarding Your Loved Ones: The Power of Life Insurance

Welcome to Fred Livai Financial, your trusted partner in securing your family's financial future. Life is unpredictable, but your family's stability shouldn't be. Our comprehensive life insurance plans provide the certainty that your loved ones will be protected when it matters most.

Why Life Insurance Matters

Life insurance is more than a policy; it's a promise to your family. It offers vital benefits:

  1. Financial Security: Our plans create a safety net, covering expenses like mortgages and education, easing your family's burden during tough times.

  2. Debt Relief: Protect your family from inheriting your debts. Life insurance settles outstanding obligations.

  3. Estate Planning: Ensure a seamless asset transfer with our life insurance, reflecting your wishes and securing your family's future.

  4. Peace of Mind: Knowing your family is cared for provides invaluable peace of mind.

Tailored Solutions

At Fred Livai Financial, I understand each family's unique needs. Let me help you customize your life insurance solutions that align with your goals.

Get Started Today

Secure your family's future with a conversation. Contact us for a personalized life insurance consultation today.

Life insurance is the ultimate support for your family during challenging times.

Fred Livai Financial is dedicated to providing the protection and peace of mind your family deserves. Contact me today to safeguard your loved ones' financial well-being.

Self-Service Life Insurance Applications

Some clients choose the independence of handling their life insurance applications on their own. Should you wish to obtain a quote and submit your application independently, please view the accompanying brief video and use the button provided below. This streamlined process enables you to secure a quote and apply for coverage in less than 10 minutes.



  • Payment Relief: Our student loan service specializes in assisting clients with getting their payments deferred, providing much-needed payment relief during times of financial hardship or other challenging circumstances.

  • Lowered Monthly Payments: We work diligently to help our clients lower their monthly loan payments. Through various negotiation strategies and programs, we aim to find the most suitable options that align with their financial capabilities, making their loan obligations more manageable.

  • Public Service Loan Forgiveness (PSLF) Guidance: Our expertise includes providing guidance and support for clients seeking to navigate the Public Service Loan Forgiveness (PSLF) program. We assist in understanding the eligibility criteria, helping clients meet the necessary requirements and maximize their chances of qualifying for loan forgiveness.

  • Tailored Repayment Plans: We offer personalized assistance in exploring and selecting repayment plans that are tailored to our clients' unique financial situations. By evaluating their income levels and other relevant factors, we help them find repayment options that suit their needs and ensure a smooth loan repayment journey.

  • Stress Reduction: Our service aims to alleviate the stress associated with student loan repayment. By providing expert guidance, exploring payment deferment options, and offering assistance in lowering payments, we help clients regain peace of mind and focus on their personal and professional pursuits.

  • Long-Term Financial Planning: We support clients in developing long-term financial plans that integrate their student loan obligations. By considering their financial goals and aspirations, we help create strategies that allow them to meet their loan obligations while still progressing towards their desired financial future.


6-Month Access

Starting at $699

  • Self-Paced Learning: Our business credit building system offers a self-paced learning environment, allowing users to progress at their own speed. This flexibility ensures that individuals can fit the program into their busy schedules, making it convenient and accessible.

  • Business Credit Building: Our system provides a comprehensive framework for building business credit. Users learn step-by-step strategies and best practices to establish and strengthen their business credit profiles, increasing their credibility and improving their chances of accessing favorable financing options.

  • Financial Independence: By following our self-paced business credit building system, individuals can gain financial independence for their business. Strong business credit enables entrepreneurs to separate personal and business finances, reducing personal liability and opening doors to exclusive business funding opportunities.

  • Improved Financing Options: Building a robust business credit profile through our system enhances the chances of securing favorable financing options. Users can unlock access to higher credit limits, lower interest rates, and more favorable terms from lenders, facilitating business growth and expansion.

  • Optional Funding Program: Our system offers an optional funding program that provides users with access to additional capital for their business. This program connects entrepreneurs with potential funding sources, increasing the chances of securing loans or lines of credit to fuel business growth.

  • Coaching Services: We provide optional coaching services to complement our self-paced learning system. Our experienced coaches offer personalized guidance, answering questions, providing insights, and helping users navigate the business credit building process more effectively.


Boutique Experience

Choose Fred Livai Financial for a boutique experience where quality trumps quantity. We limit client acquisition to ensure personalized attention and a focus on your financial success over company profits.

Tailored Credit Repair

At Fred Livai Financial, we utilize an Advanced AI-Driven Process to create personalized dispute letters that address the specific details of your credit situation. This Bespoke Approach ensures more effective credit restoration with a personal touch that distinguishes our services.

Life Insurance Broker Expertise

As a licensed insurance broker across numerous states and working with 26 top-rated carriers, I guarantee not just competitive rates but also the best benefits, prioritizing your interests first.

Holistic Financial Planning

We offer comprehensive financial planning, considering all aspects of your financial life to create a harmonious and forward-thinking plan.

Transparent Pricing

Our services come with the promise of pricing transparency, ensuring you know exactly what you're paying for without any hidden costs.

Personalized Savings Approaches

We design savings strategies that fit your lifestyle and goals, making it easier to save for the short-term and invest for the long-term.

Financial Literacy Focus

Education is power, and we empower our clients with financial literacy programs that enable smarter, more confident financial decisions.

Debt Management Strategies

With our expert debt management advice, you can efficiently reduce debt loads and improve your financial health.

Hear What Our Clients Say

Ashley Tagaloa

Positive: Professionalism, Quality, Responsiveness, Value

HIGHLY RECOMMEND! Fred has helped me from no credit to great credit in less than a year! I told him my goal was to build my credit so I can get my very first car. He did exactly what he said he was going to do to help me achieve my goals. Very straightforward with his business, he knows exactly what he's doing in order to help you with your credit/goals. Also, very trustworthy and will go out of his way to help you with your vision. I highly recommend working with Fred, because he will see your vision and make it 10x more better for you! It wasn't easy, but with Fred and after seeing the results, it's definitely worth it. THANKS FRED :) - Ashley Tagaloa

Rose At BelSpa

WOW WOW WOW is how I want to start this review!! Fred went above and beyond for my son. I initially just asked him to have a consultation so he could help me with what I should do next after trying to repair my sons credit so then he could go to the Navy. I was trying to do it all on my own and settle his accounts myself and told him what I was doing. He was patient, listened to me and I learned there was so much more that I could have been doing which I wasn't educated or knew of. I learned that there was so much I needed to do, dispute letters if addresses or names weren't matching I needed to accomplish, and I needed to have 3 reports side by side so I can analyze them. Fred has a program and technique on helping people with their finances with seeing what the problem is in your finances and cleaning up their credit is just one of their services you get as a bonus! He was such a blessing and advised us what to do and was able to get reports immediately and draft up reports to send to the credit companies!! I was truly amazed at his speed, response and his professionalism and passion to help my son. He got a plan in place, letters and very responsive. If anyone is looking to repair their credit THIS IS THE GUY TO CALL!!! He truly is a blessing to our family and I know he will be to yours as well!!

Alejandra Avalos

Positive: Professionalism,
Quality, Responsiveness, Value

Wanted to give them a 5-star review for their prompt and professional work. The first week I signed up with Approve my score i instantly seen an increase ( 30-40 point) change on my credit report. They stay on top of everything paper work, follow up with clients make were also on top of our stuff. Freddie and his team have been nothing but helpful to my credit score and happiness to say the least.

If your in need of credit repair....WHAT ARE YOU WAITING FOR CALL THEM!

Kesha Walker

Positive: Quality

I am very pleased with how professional and helpful this company has been to me on my credit journey. I was so lost trying to get help with my credit and when I reached out to Fred he walked me through the process and was very thorough in explaining and guiding me through what needed to happen. I definitely recommend this company for anyone trying to rebuild their credit you won't be disappointed.

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