Pay off your debt and mortgage faster while paying less per month!

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How it works...

SWIFT stands for Save With Intuitive Transactions. We created this program to help you eliminate credit card debt and to pay off your mortgage in as little as half the time. Unlike traditional banks, our system works for you by providing a solution that allows you to save extra money that can be put towards saving for a solid financial future. Remember, you only owe your creditors the principal amount. So why not let PersonalBanker build a strategy that works for you, not the banks or your creditors. See how you can achieve financial independence in as little as ½ the time or less! Your PersonalBanker program can be created as soon as you’d like. Get your SWIFT Debt analysis and see if PersonalBanker is right for you.

Simple- The software platform is a self-directed platform, it is very user-friendly and easy to navigate. It eliminates the guesswork, simply input your financial profile and the plan is set-up for you, nothing could be easier. There are online tutorials and helpful hints throughout the platform. It sends out reminders via text or email whenever you have an upcoming payment that is due. It also makes recommended payment suggestions to a specific creditor based on the net disposable income available every month. It allows you to adjust your monthly budget whenever your finances change. All you need to do is follow the plan exactly as it is outlined for you, you’re on your way to a debt free lifestyle. Simplicity is one of the most powerful selling points of our software platform.

Smart- ​The software platform uses proven mathematical algorithms to create a custom wealth acceleration plan for every individual/family regardless of current financial circumstances. By design, the software will maximize the highest and best use of your net monthly discretionary income for the purposes of debt elimination and wealth acceleration. The software platform helps you to create and maintain a set monthly budget, giving you the ability to track your recurring monthly expenditures as well as any unforeseen expenses. It also helps you track your investments, giving you the ability to project the future growth of these accounts for when you are ready for retirement. It does all the work for you, which means you will never have to worry about your financial future.

Secure- Secure- ​At no time do we require you to provide us with any of your sensitive financial information, such as the names of your financial institutions, etc. The software platform will help you create a plan that will accelerate the repayment of all consumer debts including a mortgage in record time, this means you’ll have more cash available to invest in what matters most, your own personal financial goals, not the banks. Imagine living a debt free lifestyle where you’ll never have to stress about your finances again. We value your privacy. Although we do not require you to disclose your sensitive financial information, we will never disclose any of your account information with any other third party entity without your permission. This ensures that you can have peace of mind knowing that your account is safe and secure.

Save With Intuitive Financial Transactions (S.W.I.F.T)

Our soultuion follows an intuiative schedule, customized to you. Supercharging and eliminating your debt faster.
Debt elimintation is about payment efficiency.
Pay off your debt in as little as half the time ofr less.
A payment schedule that works for you and not your creditors.


Detailed Budget- The software platform requires that you take the time to create a budget for you to meet your financial goals. This is the first step to realizing your dream of true financial freedom. Closely review how much money you earn each month and then reconcile it with how much you are spending each month. The software platform will only work if you are making more money than you are spending.

Checking/Savings Account or Line of Credit (LOC)- The software platform uses one of the above bank instruments as a tool to drive the platform. In most cases, using a traditional checking/savings account will be sufficient, however if you choose to use a line of credit, the line of credit must have the capacity to operate just like your checking account and must be set up with an open-end interest calculation. Using a line of credit with our web-based software platform creates an environment in which the money available from your line of credit account generates an interest cancellation on your primary mortgage.

Wealth Acceleration Software Platform- Statistic show that most consumers do not meet their financial goals on their own due to a lack of financial literacy. This is the reason why using a mechanism such as our software platform to help manage your finances is so important. Every individual, due to the uniqueness of their financial circumstances, requires a custom wealth acceleration plan to achieve optimal results. The software platform will maximize the highest and best use of your net discretionary income every single month, creating the highest interest savings possible in the least amount of time.

It is important to note that while using a line of credit is considered by some as the optimal way to take advantage of this program it is not the only way to use the program effectively. The mathematical algorithms at the core of our financial software program will also work with other financial accounts/instruments such as a traditional checking and/or savings account. Although rarely used, it will even work effectively by using a credit card as your acceleration account.

​We want to put more money back in your wallet.

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About us

Our Consultants have been providing expert cashflow management and debt elimination services to individuals throughout the country since 1998.


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