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Once you reach Dave Ramsey's Baby Step #4, Erica is here to help you pursue your financial goals and navigate the next steps wisely.

The 7 Baby Steps

Dave Ramsey says to be intense, passionate, and fired up about things that matter.  Let's explore how we can contribute to transforming your life and legacy through strategic investing. In alignment with Dave's principles, our firm pledges to promptly respond to all inquiries, recognizing the importance of accountability in this financial journey.


Erica Gargol is entrusted with the responsibility of being a Dave Ramsey SmartVestor Pro.  Dave's philosophy emphasizes the elimination of debt and the importance of long-term investments as fundamental strategies for wealth accumulation and retirement preparedness. Erica is dedicated to closely integrating these principles into her financial approach, aiming to better assist individuals on their unique financial journeys. Committed to helping clients pursue their investment goals, Erica welcomes the opportunity to discuss how her team can tailor their services to meet specific needs. The team prioritizes your financial well-being, offering guidance and support throughout the process.


If you are a Dave Ramsey fan and on baby step #4, feel free to fill out our quiz for additional investment guidance: SmartVestor Quiz


To be an Endorsed SmartVestor Pro, a financial advisor must:

  • Have the heart of a teacher. 
  • Treat you like a teammate. They teach and guide but don't intimidate. They know it's your money and keep you in charge.
  • Know the Ramsey values. They understand Dave Ramsey’s 7 Baby Steps and agree to his Code of Conduct.
  • Be experienced. They have at least two years of full-time experience as a registered investing professional.
  • Be coachable. They participate in ongoing coaching to help them maintain high standards of customer service.


To learn more about Erica click here


The SmartVestor program is a directory of investment professionals.  Neither Dave Ramsey nor SmartVestor are affiliates of G&G Wealth or LPL Financial.

<span style="font-weight: bold;" data-mce-style="font-weight: bold;">Dave Ramsey's Official Website</span>

Dave Ramsey's Official Website

"If you will live like no one else today, later you can live like no one else." 

View Official Website