Est. 2022 · Serving all 50 states · NMLS #2489017

Loans, coverage, and portfolios — under one roof.

Engineering-grade financial planning with fiduciary advice. We coordinate your mortgage, insurance, investments, and tax strategy so each decision reinforces the next — not fights it.

Book a 20-minute consult See today's rates
SEC-registered advisors
256-bit encryption
4.9/5 across 2,400 reviews

Today's rate sheet

UPDATED 09:14 ET
30-yr fixed mortgageConventional, 20% down
6.38%−0.04
15-yr fixed mortgageConventional
5.71%−0.02
Auto loan — new720+ FICO, 60 mo
7.12%+0.01
Personal loanUnsecured, 36 mo
9.40%—
SBA 7(a) businessPrime + 2.75%
11.25%—
APR varies by credit profile, loan-to-value, and state of residence. Rates illustrative, refreshed daily at 09:00 ET.
Financial advisors reviewing a client's portfolio
Wilmington, DE · Headquarters A 38-person advisory team serving clients in all 50 states.
About the firm

A finance platform built by people who got tired of conflicted advice.

We started Eliminate Card Debt in 2022 after a decade inside big banks and brokerages where the answer was always "buy the house-brand product." The premise was simple: one team, licensed across loans, insurance, and investments, paid only by the client — never by the product.

Three years in, we coordinate finances for 12,800 households across all 50 states. Our advisors are fiduciaries under the Investment Advisers Act of 1940. Our loan officers are NMLS-licensed. Our insurance agents hold resident licenses in 14 states and non-resident in the rest.

Vision

One coordinated financial system for every U.S. household — not a pile of disconnected products.

Mission

Replace commission-driven sales with licensed advice, accelerated by software the client can actually see.

Values

Fiduciary first. Transparent pricing. Plain-language explanations. Same answer whether or not you buy.

Principles

Never sell products for commission. Never recommend what we wouldn't hold ourselves. Show the math.

Milestones

Three years. One balance sheet at a time.

Numbers as of Q1 2025, audited annually by Withum Smith+Brown PC.

$0B
Total loans originated since founding
0
Insurance policies placed across 9 lines
$0M
Assets under management across 12,800 accounts
0
States served by resident & non-resident license
Why choose us

Six things we do that most platforms don't.

These aren't marketing points. They're operational commitments — each one costs us money, and we make it anyway.

01

Fiduciary standard, in writing

We are legally bound to act in your best interest. We hand you the signed fiduciary pledge at onboarding.

02

Salaried advisors, no commission

Our advisors earn the same whether you choose the 3-fund portfolio or the actively managed one. We removed the incentive.

03

One team across all four domains

Your loan officer, insurance agent, investment advisor, and tax planner sit in the same Slack channel. No handoffs, no lost context.

04

In-house mortgage underwriting

Average close in 18 days vs. the 38-day industry median. We control the file from application to clear-to-close.

05

Tax-aware investing, coordinated with your CPA

Harvesting losses, locating bonds in tax-deferred accounts, matching gain/loss across asset classes. We share the workbook.

06

4-hour response, 24/7 portal

Secure message your advisor team any time. Median first response: 1h 42m. After-hours triage for time-sensitive items.

Work process

Four steps. Roughly three weeks, end to end.

No 90-page proposal binder. No mystery. You'll see the plan being built.

STEP 01 · ~20 MIN

Discovery call

Goals, constraints, current state. We pull credit (with permission) and review existing statements. Free.

STEP 02 · 5–7 DAYS

Plan build

A written plan covering loans, insurance, investments, and tax. Every recommendation has the math behind it.

STEP 03 · ~2 WEEKS

Implementation

We handle the paperwork: loan applications, policy shopping, account transfers, beneficiary updates.

STEP 04 · ONGOING

Tuning

Quarterly check-ins. Annual full replan. Life-event replans (marriage, birth, job change, inheritance) on demand.

Loan services

Six loan products. One underwriting team.

In-house underwriting means we control the timeline. Median close: 18 days for purchase, 14 for refi.

Home Loan

Conventional, FHA, VA, and jumbo. 3% down on conventional for first-time buyers; 0% down on VA.

From 6.38% APR · 30-yr fixed

Education Loan

Undergraduate, graduate, and refinance of existing federal/private student debt. No origination fee on refi.

From 4.99% APR · Variable & fixed

Business Loan

SBA 7(a) and 504, term loans, lines of credit. Pre-qualification in 48 hours; same-bank funding partners.

From 9.50% APR · SBA 7(a)

Auto Loan

New, used, and refinance. Direct dealer payoffs; we beat the dealer's captive rate on 7 of 10 applications.

From 7.12% APR · New, 720+ FICO

Personal Loan

Unsecured, fixed-rate. Home improvement, medical, debt consolidation. Soft-pull pre-qual in 90 seconds.

From 9.40% APR · 36 mo unsecured

Mortgage Loan

Refinance, cash-out, and investment-property mortgages. DSCR loans for landlords; no personal income needed.

From 6.50% APR · 30-yr refinance

Not sure which loan fits?

One call, no commitment. We'll tell you straight — including if the answer is "wait."

Talk to a loan officer
Insurance services

Nine lines of coverage. Coordinated with your loan and portfolio.

We shop 40+ A-rated carriers. Bundling across lines saves clients an average of $1,840/year.

Auto Insurance

Liability, collision, comprehensive, gap, and rideshare endorsement. SR-22 filings handled.

Avg. $1,420/yr · 40+ carriers

Health Insurance

ACA marketplace, short-term, supplemental, and Medicare Advantage. Subsidy-eligible plans prioritized.

From $0/mo · After subsidy

Home Insurance

HO-3, HO-5, HO-6, and HO-8. Replacement cost calculator reviewed annually with your mortgage balance.

Avg. $1,810/yr · Single-family

Life Insurance

Term, whole, universal, and indexed universal. Laddered term structures for young families — 70% cheaper.

From $22/mo · 20-yr term, $500K

Travel Insurance

Trip cancellation, medical evacuation, baggage, and adventure-sport riders. Annual multi-trip available.

From $48/trip · Single-trip

Mortgage Insurance

PMI removal guidance at 80% LTV. BPMI vs. lender-paid analysis. We help you drop it the month you qualify.

Avg. $95/mo · Until 78% LTV

Burial Insurance

Final-expense whole life, $5K–$50K, no medical exam. Issue ages 50–85. Level or graded benefit.

From $34/mo · $10K benefit

Pet Insurance

Accident & illness, wellness add-on, multi-pet discount. Direct vet pay option for 8,000+ clinics.

From $28/mo · Cats; $42 dogs

Business Insurance

General liability, BOP, workers' comp, E&O, cyber. We coordinate with your SBA lender's requirements.

From $52/mo · BOP, low-risk

Bundle and save — or unbundle and save more.

We model both. The cheaper option wins, every time, regardless of commission.

Get a coverage review
Investment services

Four strategies. Tax-aware. Plain-spoken.

We charge 0.65% AUM, dropping to 0.45% above $1M. No load fees, no 12b-1 trails, no proprietary funds.

Investment Management

Discretionary management of IRA, Roth, brokerage, 401(k) rollover, and 529 accounts. Three-index-fund baseline, factor tilts for clients who want them. Quarterly rebalancing, tax-loss harvesting at $5K+ loss thresholds.

0.65% AUM · Drops to 0.45% above $1M

Stock Investment

Direct indexing for accounts $250K+. We hold the S&P 500 constituents individually so we can harvest losses at the constituent level — typically 1.2% of AUM per year in tax alpha. Thematic and ESG sleeves available.

From $250K · Direct indexing

Gold Investment

Physical allocated gold via BullionVault, gold ETFs (IAU, GLD), and gold-mining equity baskets. We cap precious metals at 5–10% of portfolio — enough to matter in a tail event, not enough to drag long-term returns.

0.12% expense · ETF sleeve

Mutual Funds

Active, index, and factor-tilted funds screened for low expense ratio (<0.50%) and no loads. We use Vanguard, DFA, Avantis, and iShares. We will not place you in a fund with a 12b-1 fee. Full holdings review annually.

Avg. 0.12% fund expense

Get a free portfolio x-ray.

Send us your last statement. We'll return a fee-and-tax analysis in 48 hours — no obligation.

Request the x-ray
Other finance services

The nine things that don't fit neatly elsewhere.

Most clients use two or three of these. None are required.

Wealth Management

For households $2M+. Estate, tax, insurance, and investment under one lead advisor.

From $2M investable

Retirement Planning

401(k) optimization, Roth conversion ladders, SEPP for early retirees. Monte Carlo on your number.

Included in Coordinated+

Credit Score Repair

Dispute letters, goodwill campaigns, authorized-user strategy, and rapid rescore for mortgages.

From $49/mo · 6-mo avg.

Debt Relief

Negotiated settlements on unsecured debt. We do not push debt consolidation loans when settlement is better.

15–25% of enrolled debt

Credit Card

Card selection based on your spend pattern — not issuer kickbacks. Cash-back vs. travel math shown.

Free · We get no issuer commission

Master Card

Secured Mastercard for credit rebuild; World Elite for high-spend. Limits based on cash, not FICO.

From $200 secured limit

Tax Planning & Estate

Year-round tax strategy coordinated with investments. Estate docs (will, trust, POA) via partner attorneys.

From $399/yr · Planning only

Auto Warranty

Vehicle service contracts from Endurance and CarShield. We tell you when "self-insure" is the better call.

From $58/mo · 5-yr/100K

Digital Payments

Bill-pay automation, ACH scheduling, and Zelle-for-business setup. Coordinated with cash-flow plan.

Included · All clients
Pricing

Three plans. Cancel any time.

Loan and insurance quotes are always free. The subscription covers ongoing advice and coordination.

Foundation
$0/mo
For clients using us for a single loan or insurance policy. Advice is transactional.
  • Free loan & insurance quotes
  • Single-service consultation
  • Secure document portal
  • Email support, 24-hr response
  • Annual policy/loan review
Start free
Most chosen
Coordinated
$89/mo
For households that want loans, insurance, and investments working together.
  • Everything in Foundation
  • Dedicated 3-person advisor team
  • Investment management, 0.65% AUM
  • Annual tax-loss harvesting
  • Quarterly reviews + annual replan
  • 4-hour message response, 24/7 portal
Choose Coordinated
Concierge
$399/mo
For complex households ($2M+ net worth, business owners, multi-state tax).
  • Everything in Coordinated
  • Lead advisor + CPA + estate attorney
  • Investment AUM drops to 0.45%
  • Monthly tax coordination calls
  • Estate document review & updates
  • 2-hour response, dedicated line
Apply for Concierge
Book a consult

Tell us where you are. We'll tell you what's next.

The first call is 20 minutes, free, and ends with a clear next step — even if that step is "do nothing yet."

  • +1 (800) 555-0142Mon–Fri 8am–9pm ET, Sat 9am–5pm
  • hello@eliminatecarddebt.infoMedian first reply: 1h 42m
  • 20-minute consultVideo or phone. Free, no commitment.
  • NMLS #2489017SEC-registered investment advisor
Reviews

Six households. Six different problems. Same team.

Names shortened for privacy. Locations and scenarios verbatim. Reviewed and authorized by each client.

"

We were three weeks from closing on a refi when our old lender's underwriter went on vacation. Eliminate Card Debt picked up the file Tuesday morning and we closed the following Friday. Same rate they quoted on day one.

Maria T.
Houston, TX · Mortgage refinance
★★★★★
"

I run a plumbing company with 14 trucks. Needed an SBA 7(a) and commercial auto on the same timeline. They got both done in 21 days and the insurance bundled $4,200 off what I was paying Travelers.

David K.
Charlotte, NC · Business owner
★★★★★
"

My old advisor had me in four different mutual funds all charging 1.1% on top of his 1% fee. They showed me the math, moved me to a three-fund portfolio, and my expense ratio went from 2.1% to 0.12%. That's $4,800 a year back in my account.

Aisha P.
Columbus, OH · Portfolio rebuild
★★★★★
"

We have two kids, one in elementary, one in preschool. They built a 529 ladder for both, set up $1.2M in laddered term life on my husband (we both work, he earns more), and explained every trade-off in language my mother-in-law could follow. Worth every dollar.

The Nguyen Family
San Jose, CA · Young family plan
★★★★★
"

I'm 67, retiring at 70. They ran a Medicare Advantage vs. supplement comparison that showed the supplement was $1,100/yr more upfront but $3,400/yr cheaper once I factored in my COPD meds. The agent spent 90 minutes on the phone with me. No one at Humana ever did that.

Robert L.
Phoenix, AZ · Pre-retiree
★★★★★
"

First-time homebuyers, terrified, didn't know the difference between APR and interest rate. Our advisor walked us through every line of the Loan Estimate, called the listing agent to confirm closing timeline, and was on the phone at 7am the day of closing. We have recommended them to four friends.

Jenn & Mark S.
Portland, OR · First home + bundle
★★★★★
FAQ

Eight questions we get every week.

If yours isn't here, write to us. We answer everything in writing.

Q01 Are you a fiduciary?

Yes. We are registered investment advisors under the Investment Advisers Act of 1940, which means we are legally bound to act in your best interest. We hand you a signed fiduciary pledge at onboarding. If we ever breach it, you have a direct claim.

Q02 How are your advisors compensated?

Every advisor is salaried. No commissions, no product bonuses, no sales quotas. The firm earns money from client subscriptions and AUM fees — that's it. We do not receive kickbacks from lenders, insurers, or fund companies.

Q03 What states do you serve?

All 50. We hold resident insurance licenses in Delaware, Pennsylvania, New Jersey, and Texas; non-resident licenses in the remaining 46 states. NMLS #2489017 covers loan originator activity nationwide. SEC registration covers investment advisory nationwide above the $100M AUM threshold (we are above it).

Q04 Can I use you for just one service — say, a mortgage?

Yes. About 40% of clients start with a single transaction (a loan or a policy). The Foundation plan covers that at $0. If it makes sense to coordinate later, we'll suggest it — but we won't push.

Q05 What credit score do I need to qualify for a loan?

It depends on the product. Conventional mortgages: 620 minimum, 740+ for best rates. FHA: 580. VA: 580 (no official minimum, but most lenders want 580). Auto: 660+ for prime rates. Personal: 640+. We can pre-qualify with a soft pull — no score impact — in 90 seconds.

Q06 How quickly can you close a mortgage?

Our 2024 average was 18 days for purchases and 14 days for refinances. The industry median was 38 days (ICE Mortgage Monitor, Q4 2024). We control underwriting in-house, which is the bottleneck at most lenders. Appraisal is the one variable we can't compress.

Q07 What's the minimum to start investing?

$25,000 for managed accounts. Below that, we'll point you to a robo-advisor (we recommend Betterment or Wealthfront) and bring you over when you cross the threshold. Direct indexing starts at $250,000.

Q08 Is my data secure?

256-bit AES encryption at rest, TLS 1.3 in transit. SOC 2 Type II audited annually by Withum. We use Plaid for bank connections (read-only, no credentials stored). We never sell data. We share information with lenders and insurers only when you authorize a specific application. Full details in the Privacy Policy.

Subscribe to the weekly brief.

One email, Friday morning. Rate movements, tax-code changes, and one piece of advice we'd give our own family that week. No spam, no upsells.

Thanks — check your inbox Friday morning for your first issue.