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Ask Ralph: Christian Finance

Recent Episodes

April 23, 2025

What If One Habit Could Transform Your Finances Forever?

Is it possible that one small habit could completely shift your financial mindset? In this episode of Ask Ralph , we explore the often-overlooked, yet profoundly powerful impact of gratitude on our money. Gratitude might not ...
April 22, 2025

What If You Already Have Enough?

Do you ever feel like no matter how much you earn or save, it’s still not enough? In this episode of Ask Ralph , we explore how cultural pressures and constant comparison can fuel financial dissatisfaction—and why the Bible o...
April 21, 2025

Feeling Lost With Money? Start Here

Struggling to find clarity with your finances? In this episode of Ask Ralph , we’re addressing the emotional and spiritual weight of financial confusion—and why the first step forward isn’t a spreadsheet or budget, but prayer...
April 20, 2025

LIVE SHOW REPLAY - Are You Ready to Break Free from Financial Shackles?

Are you tired of feeling chained by your finances? In this episode of Ask Ralph , Ralph and Craig dive deep into the habits, mindsets, and spiritual principles that keep so many of us stuck in a cycle of financial stress. Fro...
April 19, 2025

Why Is Giving the Secret to Financial Breakthrough?

What if the path to financial peace doesn’t start with getting more, but with giving more? In today’s episode, we’re diving deep into a countercultural idea: that the breakthrough so many believers are praying for might actua...
April 18, 2025

How Can I Plan for Future Expenses and Avoid Financial Surprises?

Ever feel like you’re finally catching your financial breath—then boom, you see a future expense on the horizon, and it knocks the wind right out of you? In this episode of Ask Ralph , we’re talking about those big bills that...

Recent Blog Posts

April 23, 2025

How Gratitude Can Transform Your Finances for Good

One habit could transform your finances forever? Hello, and welcome back to Ask Ralph – Christian Finance, where we explore practical ways to honor God with our finances. Have you ever felt stuck on a financial hamster wheel? Maybe you worry …

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April 22, 2025

What the Bible Says About Having “Enough”

What If You Already Have Enough? A Christian Perspective on Financial Sufficiency, Stewardship, and Contentment The question, "What if you already have enough?" resonates deeply within the landscape of Christian financial thought, presenting a sign…

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April 21, 2025

Overwhelmed by Finances? Here’s What to Do First

Feeling Lost With Money? Start Here Introduction: You're Not Alone in Feeling Lost Feeling overwhelmed, stressed, anxious, or simply directionless regarding personal finances is a common human experience. For many, money troubles can be profoundly…

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About the Host

Ralph V. Estep, Jr. Profile Photo

Ralph V. Estep, Jr.

Christian Financial Consulting

Ralph V. Estep, Jr. is a highly accomplished professional with a diverse background in finance, accounting, technology, and entrepreneurship. As the principal at Saggio Management Group, Inc., he has demonstrated exceptional leadership and expertise in various roles throughout his career.

Ralph's educational journey began at St. Mark's High School in Newark, Delaware before attending the University of Nebraska where he was an esteemed member of the Cornhusker Marching Band and had the privilege of performing at the Florida Citrus Bowl in Orlando.

Continuing his pursuit of knowledge and excellence, Ralph earned a Bachelor of Science Degree in Accounting from the University of Delaware. He further expanded his academic achievements by obtaining a Master's in Business Administration from Wilmington University.

Throughout his professional journey, Ralph has been recognized for his outstanding accomplishments and commitment to excellence. He is a member of prestigious organizations such as the Golden Key National Honor Society and Beta Gamma Sigma International Business Honor Society.

With an extensive range of professional designations including Licensed Public Accountant (LPA), Accredited Business Accountant (ABA), Accredited Tax Advisor (ATA), Accredited Tax Preparer (ATP), and Internal Revenue Service Registered Tax Preparer (RTRP), Ralph possesses comprehensive expertise in tax preparation and financial management.

Beyond his impressive qualifications, Ralph has actively engaged with various community programs as both a mentor for Junior Achievement and through participation in the Dale Carnegie Leadership Training Program.

Throughout his career journey thus far, Ralph has held significant positions that have showcased both his financial acumen and leadership abilities. Notably, he served as Chief Financial Officer at Westminster Presbyterian Church where he streamlined financial operations through implementing electronic reporting mechanisms resulting in improved accuracy and efficiency.

Additionally, Ralph made significant contributions during his tenure at American Spirit Federal Credit Union where he rose to Executive Vice President after being promoted from staff accountant to Vice President of Financial & Lending Operations. His involvement in the credit union's community charter and collaboration with Fiserv to develop an in-house financial management system demonstrated his commitment to innovation and growth.
Ralph's expertise extended further as he joined Morris, James, Hitchens and Williams, a prominent law firm in Wilmington, Delaware. As the firm controller, he played a pivotal role in enhancing technology utilization, internal controls, communication systems through the development of a comprehensive intranet platform.

Recognized for his exceptional performance at Aftech (a Fiserv resource), Ralph redesigned their client communications system while also improving management performance across the organization. His efforts were acknowledged by Fiserv for his superior contributions.

In 2005, Ralph established The Estep Group as a public accounting firm based in Townsend, Delaware. With an emphasis on leveraging cutting-edge cloud technology and adopting paperless office practices, he built a world-class technology accounting practice that catered to hundreds of business and individual clients. Later rebranded as Saggio Management Group and Saggio Accounting+PLUS when relocated to Smyrna, Delaware. The business is now located in Middletown, Delaware.

Driven by his passion for technological advancements within the industry, Ralph founded Virtuale Success Inc., offering clients access to state-of-the-art cloud services through turn-key virtual computer desktops. In partnership with another Silicon Valley pioneer, in 2013, he launched Capital Cloud Solutions which provides comprehensive cloud technology solutions nationwide.

Outside of his professional pursuits, Ralph is happily married to Jennifer Estep, and together they have two sons. His dedication extends beyond work, fostering strong family bonds alongside career accomplishments.

In addition to his professional endeavors, Ralph co-founded Estep Farm LLC in 2014 where they raise black angus cows. He also created the Ask Ralph podcast in 2017 where he shares valuable insights on finance, taxation, and entrepreneurship. Ralph has even hosted "Ask Ralph" show on radio platforms, enabling him to reach wider audiences with expert advice.

Ralph V. Estep Jr.'s remarkable journey exemplifies excellence, harnessing expertise across finance, taxation, technology, and entrepreneurship. He continues to make significant contributions within these fields while maintaining strong ties within both professional circles and personal life.

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