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Ask Ralph: Christian Finance

Recent Episodes

April 2, 2025

What 7 Daily Steps Can I Take to Rebuild My Confidence With Money?

Feeling overwhelmed by your finances? You’re definitely not alone, and today, we're diving into how we can rebuild that confidence with our money. Ralph's unpacking seven daily steps that blend financial savvy with faith, hel...
April 1, 2025

What’s Stopping You From Starting an Emergency Fund? Try These 5 Tips!

Imagine waking up, and your car just won't start. Yikes, right? Today, we're diving into the wild world of emergency funds and why they’re more important than your morning Starbucks coffee. In this episode, we dive headfirst ...
March 31, 2025

How Do I Save My Mom From My Dad’s $200,000 IRS Nightmare – And Should I Even Try?

Ralph Estep Jr. dives right into the deep end today, tackling the massive wave of a $200,000 IRS debt that’s crashing down on a family. It’s a stressful situation, especially for the mom who’s completely in the dark about the...
March 30, 2025

How Can I Turn My Paycheck Into Purpose?

Are you stuck in the daily grind and feeling like your paycheck is just a ticket to nowhere? Well, buckle up, because Ralph Estep Jr. is here to help us flip that script! Today, we’re diving deep into how to turn that paychec...
March 29, 2025

Who Pays the Bills When Your Grown Kids Won’t Fly the Coop?

Are your adult children still crashing at home? Well, you’re definitely not alone! Today, we’re diving into a listener's heartfelt question about the tricky situation of supporting grown kids who just won’t leave the nest. We...
March 28, 2025

Can't Pay the IRS? How can you Avoid Major Penalties with These 4 Strategies?

Feeling the IRS pressure? You're definitely not alone! Today, Ralph Estep Jr. dives into the nitty-gritty of what to do when you can’t pay Uncle Sam. We’re laying down four simple strategies to help you dodge those pesky pena...

Recent Blog Posts

April 1, 2025

5 Simple Tips to Start Your Emergency Fund Today

What’s Stopping You From Starting an Emergency Fund? Try These 5 Tips! Life has a way of throwing curveballs, and unexpected expenses can quickly lead to stress and financial strain. Imagine a sudden car repair, a medical bill that wasn't ful…

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March 31, 2025

Innocent Spouse Relief: Can It Save Your Mom From Your Dad's IRS Debt?

How Do I Save My Mom From My Dad’s $200,000 IRS Nightmare – And Should I Even Try? The weight of a significant tax debt can be immense, casting a shadow of worry and uncertainty over an entire family. When that debt reaches a staggering…

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March 30, 2025

How to Align Your Work and Finances With God’s Purpose

How Can I Turn My Paycheck Into Purpose? Many individuals experience a disconnect between the hours spent earning a living and a deeper sense of fulfillment. The weekly paycheck, while necessary, can sometimes feel like the sole purpose of our labo…

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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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