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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. Unlike traditional methods, this approach did not rely on constant refinancing or lifestyle sacrifice. Instead, it focused on controlling cash flow to reduce interest and accelerate debt payoff as agreed.
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.
Where your cash goes should be up to you!
Think of Money Max as your personal financial GPS, guiding you to the lifestyle you’ve always dreamed of.
Keeps track of your payments, expenses, and debts in a secure, central location
Works 24/7, 365 days a year to suit your specific financial needs
Uses advanced banking strategies to determine the exact timing and amounts you should pay towards your mortgage and other debts
The result? Less time paying off your debts and more money in your pocket for the things that matter most: your family, your home, and the lifestyle you want.
The numbers don’t lie. The Money Max Account has helped homeowners eliminate over $2 BILLION in debt and counting.
The best part about it?
Money Max can help you convert your debt into wealth!
Let’s say you have a $300,000 mortgage at a 4% interest rate. After 30 years, you’ll have paid $515,609.
That’s an additional $215,609 going straight to the bank!
Now add the Money Max Account into the equation, and the story changes.
With a Money Max account working around the clock, you can make a 30 year mortgage a 7-10 mortgage, saving hundreds of thousands in the process! Now you have options to grow your nest egg!
That’s putting your money back where it should be: in your pocket.
So, in 2022 the foundations of UFF's Money Max Account were laid, and the rest of the history is in the results...
Decades later, Money Max has helped countless clients pay off not thousands, not millions, but BILLIONS of dollars in debt. Its success has garnered features from online publications such as the International Business Times,Financial Tech Times, Investing.com, and many more. And this is only the beginning.
