Our History

Back in 2001, UFF founders John Washenko and Skyler Witman owned and operated a mortgage brokerage together.

They’ve been friends since childhood, and they had always talked about going into business together. That dream had become a reality when they decided to open their mortgage business. Skyler and John were helping everyday Americans finance their homes and consolidate their debts.

They focused on providing the best interest and terms for their clients, and still, they had a problem.

Repeat customers. In any other business you’d want repeat customers, right?

As it turns out, the same shouldn’t go for consolidating debts; too frequently.

Skyler and John saw that their clients were coming to refinance over and over again. And each time they returned, their clients drove themselves even deeper into debt until there was no equity left.

They felt somewhat responsible, and they realized they had to find a solution. Skyler and John saw these clients with nowhere else to turn for cash and thought back to their own childhoods:

“At the age of 13, my parents were experiencing deep financial stress. I remember the repo man backing into our driveway and hauling our family cars away. Shortly after, we had to move because our house was repossessed by the bank.”

So, the two of them searched diligently for a solution. But most solutions seemed like a “bandaid on a broken arm”—and some of those solutions were bad for people’s credit.

Finally, they found inspiration in a financial concept that had been used in the UK and Australia for several decades. This concept allowed homeowners to pay off their mortgage fast, and without changing their lifestyles, by using a special financial account.

So, in 2002 the foundations of UFF’s Money Max Account were laid, and the rest of the history is in the results…

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.

Money Max Features

Account Connect

Compatible with most financial institutions, including banks and credit unions.

It is quick and easy to connect to your Accounts.

Transactions are automatically downloaded and categorized daily - no more waiting for monthly statements to balance your accounts.


Create general budgets to track your spending, or itemize expense budgets to help keep your spending under control.

Detailed categories allow you to sort individual transactions and stay on budget.

Flexible design allows you to set up your Program to be in line with your unique situation - giving you full control over your finances.

Advanced Financial Tools

This intuitive online system enables you to use financial strategies to transform scheduled interest payments into wealth.

Designed to help you build a reserve for those unplanned expenses or emergencies, helping you avoid going deeper into debt.

A detailed Cashflow report allows you to see the ebb and flow of finances - allowing you to better understand your road to Financial Freedom.

And So Much More...

Customizable dashboard displays the financial information that is most important to you.

See the effect of future financial decisions, giving you all the tools you need to take control of your future.

Comprehensive reports keep you aware of your total financial picture.

Convert Debt into Wealth

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.

Interested In The Money Max Account?

Schedule Your Free 1 On 1 Debt Analysis Today

J Scott Schaffer Independent Agent Phone: 440-746-0963 Email: scott@jscottschaffer.com
J Scott Schaffer
Independent Agent