Most of us attended school for more than a decade to learn about reading, writing, and arithmetic – but we never learned about our finances! I founded J&M Creative Solutions, LLC (a division of Five Rings Financial) on the belief that Americans should be provided with a sound education on how money works. And who am I? I’m J. Allen Hull, but most people just call me Josh. I am a Financial Educator. I believe that ignorance is expensive so I help Americans to learn and understand key money principles – for free – so they can achieve financial health, protect the money and assets they have, secure a better future for their family, and learn to financially live – not just exist.