United Financial Freedom began with one goal: to help homeowners achieve financial freedom in less time while saving more money.
A 15- or 30-year mortgage gives you a payment schedule. It doesn’t show you every opportunity to put your available cash to work.
We believe you should have a clearer picture of your options.
That’s why we created the Money Max™ Account: software that brings your budget, cash flow, and payment strategy together. See how changes to the timing and amount of your payments could reduce interest and help you pay off your mortgage and other debts sooner, with more room for the things that matter to you.
United Financial Freedom was created because the system that most families rely on is not designed to set them free.
In the early 2000s, founder John Washenko worked with homeowners across the country helping them refinance and consolidate debt. On paper, the solutions looked helpful. In reality, John began to see the same families coming back again and again, each time with less equity, more stress, and fewer options. What was meant to be relief had become a cycle that quietly worked against them.
This problem was not theoretical. It was personal.
As a teenager, John witnessed his family endure significant financial hardship, including the loss of their home. That experience profoundly shaped his commitment to helping families understand money, reduce debt, and build financial stability.
Unwilling to accept that debt was something people simply had to live with, John began searching for real solutions. He studied financial systems used outside the United States and discovered a cash flow based approach that had been successfully implemented for decades in countries such as the United Kingdom and Australia. The approach focused on how available cash and payment timing could work together to reduce interest and accelerate debt payoff, without making repeated refinancing the strategy.
In 2002, John and his team laid the foundation for what would become the Money Max™ Account.
That foundation grew into United Financial Freedom, a company built on education, transparency, and measurable results. Today, UFF helps families reduce financial stress and bring hope through education and proven financial solutions. Using financial forecasting, cash flow management, and smart technology, UFF provides a clear plan of action that helps clients understand how their money truly works.
This work is personal, rooted in experience, and committed to helping families move toward lasting financial freedom.
Finding your way to a debt-free future can be confusing. That’s exactly why we created the Money Max Account.
Think of Money Max as your personal financial GPS, showing where you stand, helping you plan your next move, and making it easier to stay on course toward the life you want.
Brings your budget, payments, expenses, and account balances together in one place.
Gives you online access to your financial picture so you can review your plan on your schedule.
Uses your income, expenses, balances, and loan terms to recommend payment amounts and timing through a personalized Action Plan.
The goal? Less money going toward interest and more room for your family, your home, and the future you want to build.
Explore how Money Max works →Paying down debt can be about much more than reaching a zero balance. It can create room for what comes next.
Money Max helps you explore how putting available cash toward your balances could reduce future interest costs and shorten your payoff timeline. As payments fall away, you can decide how to put those dollars to work.
That might mean building an emergency fund, preparing for retirement, or pursuing a long-term goal. Every dollar you no longer need for a payment gives you another choice.
See the possibilities. Build your plan. Give your money a purpose that matters to you.
Since the foundations of Money Max were laid in 2002, the purpose has remained the same: help families understand their money, take a more active role in their financial future, and create more options for the life ahead.
