Raymond Thomas Jr.

TruFreed-Um Financial Coaching, LLC


 Senior Financial Coach 



Founder's Bio


TruFreed-Um Financial Coaching, LLC was founded by Raymond Thomas Jr to address the growing demand for affordable, customer focused, and unbiased financial coaching.  For over 20 years, Raymond has demonstrated a “teacher’s heart” and remained steadfast in his commitment in waging a “war on debt” through financial coaching and educational courses based on the foundation of biblical financial principles and stewardship development.


Raymond has a Bachelors in Business Management with a concentration in Finance from National University and a Masters in Management and Leadership from Webster University.  Raymond provided financial coaching and education to Marines during his 25-year career to include serving in the Iraqi war campaign.  As a retiree, Raymond continued his financial coaching experience as a Personal Banker for Wells Fargo for 3 years.


Moreover, Raymond is an ordained Elder who served as a Pastor and continues to help many people in their successful Christian journey as stewards of the material resources that God blesses us all with.  That desire for continued growth in financial stewardship led Raymond to attend the Dave Ramsey Financial Peace University.


Upon completion of the Financial Coach Master Training, Raymond received the Ramsey Solutions Master Financial Coach Designation.  He also holds the prestigious Ramsey Preferred Coach designation.  This exclusive title is only offered to Top Performing coaches.  He was inspired to help those in his community achieve debt freedom to build wealth and leave an enduring legacy for their families through his coaching ministry of financial stewardship and literacy. His vision will be carried out through various methods of communication, group sessions, one-on-ones, and other platforms, as necessary.


These are three of the foundational scriptures that our coaching is based on:

  • Stewardship - Psalms 24:1 - “The earth is the LORD’s and everything in it.”

  • Coaching - Proverbs 27:17 - “As iron sharpens iron, so one person sharpens another.”

  • Debt Freedom - Proverbs 22:7 - “The rich rule over the poor, and the borrower is slave to the lender.”


Raymond has been married to Michele for 30 years and they have two adult children their daughter, Nicole and son, Dominique.



  • Facebook Social Icon
  • LinkedIn Social Icon
  • Twitter Social Icon
  • Pinterest Social Icon
  • Instagram Social Icon