BOOK A CALL WITH RALPH
Ask Ralph: Christian Finance

Recent Episodes

Oct. 17, 2024

What is the rule of 55 and how can I use it to reduce my taxes?

Are you feeling trapped in your job and dreaming of an early retirement? The rule of 55 might just be your ticket to accessing your 401(k) funds without penalties before reaching 59 and a half. Ralph dives deep into this lit…
Oct. 16, 2024

Should I purchase special medical insurance when I travel abroad?

Are you planning a trip abroad and wondering if travel medical insurance is really necessary? In this podcast, we explore the crucial importance of purchasing specialized medical insurance for international travel, especiall…
Oct. 15, 2024

What are some of the best online deals banks offer for opening a new account?

Are you feeling undervalued by your current bank? This episode dives into the world of online banking, highlighting the incredible perks and bonuses that could significantly boost your financial situation. Ralph Estep Jr. sh…
Oct. 14, 2024

What are the 5 most common places retirees spend their money in retirement?

Retirement can bring unexpected financial surprises, and understanding where your money is likely to go is crucial for enjoying your golden years. This episode uncovers the five most common areas where retirees tend to spend…
Oct. 13, 2024

How do I effectively embrace God's gift of rest?

Are you feeling overwhelmed and struggling to find peace in your hectic life? Today, Ralph addresses the vital question of how to effectively embrace God's gift of rest. He shares personal insights and practical steps to hel…
Oct. 12, 2024

What are the differences between a revocable and irrevocable trust?

Are you worried about what will happen to your hard-earned assets after you're gone? Understanding the differences between a revocable and irrevocable trust is crucial for protecting your legacy and ensuring your wishes are …

Recent Blog Posts

What Are the Tax Benefits of Using the Rule of 55?

Is the Rule of 55 the Key to Early Retirement and Lower Taxes? | Essential Financial Freedom Tips Are you considering an early exit from your career but worried about the penalties for tapping into your 401(k) before turning 59 and a half? You&rsqu…

How Can Travel Medical Insurance Protect You on International Trips?

Should You Purchase Special Medical Insurance When Traveling Abroad? | Essential Travel Tips Are you planning an international trip? Have you considered the importance of special medical insurance? If you’ve ever faced a medical emergency in …

What Perks Do Banks Offer for Opening New Accounts Online?

What Are Some of the Best Online Deals Banks Offer for Opening a New Account? Are you tired of your current bank offering lackluster interest rates and minimal perks? It might be time to make banks and credit unions provide a switch and explore the…

About the Host

Ralph V. Estep, Jr. Profile Photo

Ralph V. Estep, Jr.

Accountant, Author, Farmer and Podcast Host

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 bo… Read More