Our Purpose

College and Legacy Planning for Families Earning $150,000 to $450,000

Ginga Financial was founded by a teacher in 2007 to address financial inequalities between the American public school and college admission process.

Our Vision

GINGA Financial Literacy Inc., is to reduce an eliminate college debt through wealth building strategies and college readiness coaching. Colleges invest in students for the purpose of them becoming an alumni to contribute to their endowment fund. To create a strong social online network of people working together to eliminate college debt and taxes for the purpose of wealth building and legacy planning.



Our Mission


  • To Reduce the Amount of College Cost for Parents Earning $150,000 to $450,000
  • To Effectively Address Growing Concerns of Rising Student Loan Debt Levels
  • To Prepare Students to Use Credit Wisely Through Financial Literacy
  • To Address the Lack of Financial Education in High Schools and College Campuses
  • Prepare Families to Build and Pass on Generational Wealth

Our Goal

  • To Provide Financial Resources and Support for Financially Challenged Family Businesses
  • To Provide Financial Education for High School and College Students for the Purpose of Retiring Before Age 40
  • To Provide Financial Education for Professionals Seeking to Leave the 9-5 Rat Race

Community Work

·        In 2007-2008, Ginga Investment Group Inc., started in Boston, Massachusetts teaching Cash Flow 101 board game to high school students in an afterschool Cash Flow club.

·         In 2007-2008, High school Cash Flow club members worked with Mel King and the South End Technology Center in Boston to teach community members Cash Flow 101 board game in Boston, Massachusetts.

·         In 2008, High school Cash Flow club members worked with Greater Love Tabernacle-Teaching youth members of the church Cash Flow 101 board game in Dorchester, Massachusetts.

·         In 2008, College Cash Flow clubs were established at Benjamin Franklin Institute in Boston, MA and Umass Dartmouth in North Dartmouth, Massachusetts.

·         In 2008-2009, Ginga Financial Literacy, Inc. worked with the Howard University Institute for Entrepreneurial Leadership & Innovation through our mentorship project to provide students from Benjamin Banneker high school mentorship. Benjamin Banneker high school students learned financial literacy through the Cash Flow 101 boardgame in District of Columbia.

·         In 2009-2010, Ginga Financial Literacy, Inc. worked with students from Howard University to promote Ginga’s mentorship project in District of Columbia.

·         In 2010-2012, Ginga Financial Literacy, Inc., Ginga’s promotes its mentorship project at ConneXions Academy in Baltimore, Maryland.

·         In 2012-2016, Ginga Financial Literacy, Inc., GINGA promotes its financial services for professionals seeking to transition from 9-5 rat race to fulfill lifelong passion.

Renee Miller

Renee Miller Clayton is the Managing Director of Remember Who You Are Enterprises, Inc. She is a professionally trained coach and speaker. She is a graduate of Accomplishment Coaching, an ICF Certified Leadership and ontological coaching training program. Renee has served as a mentor coach and business development advisory board member with Accomplishment Coaching. Some of the companies she has worked with include: YWCA National Capital Area, Dress for Success, Inc., The Woman’s Federation for World Peace International, (WFWPI), Empowerment Temple and The Center for Non Profit Advancement. Her work includes non-profit executives on leadership topics, retreats for staff and board members, and group coaching/training sessions. Renee Miller Clayton resides in the Washington DC metropolitan area. When Renee Miller Clayton is not assisting her clients to reach their goals, she spends her time with her husband travelling, enjoying community events, or drinking herbal tea a local tea house.

Rick Henderson Sr.

Rick Henderson is a private lender and real estate investor. For the past 12 years, Rick has built a significant real estate portfolio through over 100 transactions. He is passionate in profitable deal structuring: from market/property analysis and acquisition through to rehab construction and exit strategies. In addition to his private lending and real estate investment activities. Rick is a long-time student and practitioner of effective real estate strategies. He graduated from The Rich Dad Education with a major in Investment Real Estate and has completed courses in commercial real estate, rehabbing for profit, tax liens & deeds, foreclosures, wholesaling properties, purchase options, asset protection, property management, creative financing, and tax-advantaged asset strategies. Prior to his real estate education career, Rick served for 8 years in the US Armed Forces where he worked as a graphics illustrator with secret clearance in support of divisional operations and logistics leadership.

“Your Context determines your Content,” Be, Do, Have

To Create a Generation of Financially Literate Public School and College Students


GINGA’s vision levels the playing field between families earning $150,000 to $450,000 and colleges earning billions of dollars from their future alumni. We do this by providing the financial tools and resources needed to effectively complete FAFSA and appeal college award letters.

GINGA’s vision also includes a social network to promote success stories on Facebook. GINGA’s vision promotes a strong social network of financially literate high school and college students. Check us out on Facebook at:

Inspiration & Philosophy

Our Business Philosophy is Rooted in Abraham Maslow’s Hierarchy of Human Needs

Equipping Young People with Financial Literacy

GINGA addresses the rising student loan debt crises by equipping families earning $150,000 to $450,000 with financial reallocation services. Young people are leaving college with enormous amounts of student loan debt. We empower families with the financial knowledge, tools, and resources needed to eliminate student loan debts, become financially literate, and embrace social entrepreneurship opportunities through an affordable financial education program. 

Core Values 

Preparing Communities for Legacy Planning

COOPERATIVE LEARNING – Creating a fun online cooperative financial literacy learning environment

FINANCIAL EDUCATION – Making advanced financial education strategies to families earning $150,000 to $450,000

MENTORING – Providing mentoring and support for high school and college students

CULTURE – Providing a strong culture of financial literacy in public schools and colleges

SOCIAL NETWORK – Creating a strong social network of public school and college students to promote financial literacy

COMMON GOOD – Promoting common good within American communities through social entrepreneurship

FINANCIAL INDEPENDENCE – Equipping young people with financial knowledge, tools, and resources to eliminate student loan debt and retire before age forty.


Ginga Financial Literacy, Inc.