Philosophy Finance is here to help you feel more confident, more informed, and more in control of your financial future.
Everyone deserves the knowledge to accomplish their financial goals.
Derrek Christensen
Philosophy Finance Founder
Philosophy Finance is an education company, not a financial advisory firm. We’re here to help you understand your options, build your confidence, and connect you with trusted professionals when you’re ready — so you can ask better questions and make informed decisions.
Bringing Your Financial Goals to Life
Our Approach
At Philosophy Finance, the approach is grounded in clarity, integrity, and suitability . With a background in finance and insurance, I believe people deserve clear explanations — not jargon.
The goal is to help you build confidence, expand your knowledge, and move forward with purpose — whether you’re navigating something new or revisiting old decisions. It’s about understanding the landscape so you can make thoughtful choices.
And when you’re ready for personalized support, we can connect you with trusted professionals who align with your purpose.
Online Resource Guide
Access trusted resources. Knowledge is power — and it’s better when it’s shared. Explore. Learn. Use technology to move forward.
These resources are independent and not affiliated with Philosophy Finance. They are shared for their insights — not as advice.
Clarity Starts Here
Financial questions are welcome at Philosophy Finance.
Understanding is the first step toward peace of mind and control.
Insight helps you move forward with confidence.
“If the sacrifice is too great, the path isn’t clear enough“
Anonymous
46% of U.S. households have no retirement accounts
Nearly half of American households lack retirement savings: In 2022, approximately 46% of U.S. households had no retirement accounts, such as 401(k)s or IRAs*
55% of Americans worry they won’t be financially secure in retirement.
Many Americans are concerned about retirement readiness: A 2024 survey revealed that 55% of Americans worry they cannot achieve a financially secure retirement.**
90% save for short-term goals — over 50% keep it in low-interest bank accounts averaging 0.41%.
Most Americans aren’t maximizing their savings potential. Research indicates that while nearly 90% of Americans are saving or planning to save for short-term goals, more than half are using traditional bank accounts with average interest rates around 0.41%, missing opportunities for higher returns.***
*Source: National Institute on Retirement Security (NIRS), “Retirement Insecurity 2023: A Deepening Crisis,” February 2023
**Source: National Institute on Retirement Security (NIRS), “Retirement Insecurity 2024: Americans’ Views of Retirement,” February 2024.
***Source: Federal Reserve Board, “Report on the Economic Well-Being of U.S. Households in 2022,” published May 2023
Looking for Group Education?
Sometimes learning feels easier when you’re not alone. Sharing ideas in a class or group setting is a powerful way to make things click!
A Little About Me
My name is Derrek Christensen. Previously, I worked in insurance and financial services as an agent and stock broker. Getting licensed by large companies was eye-opening — it revealed both the strengths of the system and the gaps that real people face. Reinforced was the idea how a little information goes a long way. Everyone’s financial future deserves a conversation. Your unique philosophy should be a driving force in your future. I’m here to help make that conversation easier. It starts with understanding, and grows with intention.
What’s your philosophy?
“An investment in knowledge pays the best interest”
Benjamin Franklin
How Philosophy Finance Helps
Clarity
The right question can move everything forward. Financial topics should be easy to understand — and easier to explore.
Peace of mind doesn’t have to feel out of reach. At Philosophy Finance, we break things down, clear up the confusion, and help you take the next step with confidence.
Ready to explore financial topics in a way that actually makes sense?
Whether it’s one-on-one or with a group, schedule an educational session designed to inform and empower.
Guidance
Finding the right professional can feel overwhelming — and knowing where to start is half the battle. Guidance isn’t about quick answers; it’s about making sure the next step fits your situation, your values, and your pace.
We help you find licensed professionals who reflect your financial philosophy and put people first.
Looking for a financial professional who aligns with your goals?
We’ll help you explore your options without the pressure or sales pitch.
Ready to Take That First Step?
Curious about the basics? Wondering how to set yourself up for success? That next step can feel daunting—but once you take it, momentum builds, and it gets easier from there.
Talking about finances doesn’t have to be tough. Whether you are overwhelmed with options or looking for a place to start, complexity can become simplicity.
Start where you’re comfortable—book a session to build your foundation, or work alongside a professional at your pace.
“You don’t have to see the whole staircase, just take the first step”
Martin Luther King Jr.
Philosophy Foundation
An educational session focused on clarity, confidence, and direction — for individuals, classes, or community groups.
Learn on your terms.
Educational sessions available for individuals, classes, or community groups.
Ideal for beginners, teams, classrooms, or anyone wanting to feel more confident with money.
Leave with real takeaways, not a longer to-do list.
Take control of you financial future.
Connect with the Right Professional
From clarity to action, the conversation shifts to building a plan — with the level of control and support that fits your style.
Initial Consultation
Collaborative Planning
Work alongside a professional while staying actively involved in decisions.
Ongoing Guidance Periodic check-ins and support without full account management.
Hands-Off Management
Let a licensed advisor take the reins with a plan built around your goals and preferences.
Specialized Referrals
Frequently Asked Questions
What is a Fiduciary?
As defined by Kaplan Series 65 LEM 12th Edition:
A person authorized, in good faith, to hold assets for another person and manage those assets for the benefit of that person.
This word is tossed around a lot. Professionals in the financial space are required to act this way. It just means they are in control of your money(investments) and have to make suitable, responsible choices on your behalf.
What’s the difference between a personal session and a group learning session?
A personal session is a one-on-one (or one-on-two) meeting where we can focus entirely on your questions, goals, and situation. It’s tailored to you—whether you’re just starting out or refining your financial strategy.
Group learning sessions are designed for schools, community groups, or teams. They offer a broader, educational experience where we cover key financial topics in a way that encourages discussion and shared learning.
Both are grounded in education—not advice—and the right choice depends on how you prefer to learn.
Do you offer financial advice during sessions?
No. There is a regulated, fine line in the financial industry about providing advice. Suitability must be discussed as your financial future deserves that personalized conversation. I believe knowledge can help you control your path.
How are the professionals you refer vetted?
I have met with each of the professionals I have listed on our site. I asked them about their philosophy and what type of clients they can help the most. Clarity around an advisor’s approach and level of involvement can lead to a more aligned relationship. We believe a stronger connection to your goals and expectations creates a better outcome. Each professional is independently licensed and regulated by the standards of their respective industry
Why do some sessions have different prices?
Different topics require different levels of depth and preparation. For example, sessions like Speculative Investing and Alternative Investments build on foundational concepts, which is why Philosophy Foundations is a recommended prerequisite. Pricing reflects the complexity of the topic, the level of preparation involved, and the responsibility we take in presenting that information clearly and thoughtfully.
Don’t see your question addressed? Email us or post your question here.
Need Help? Get In Touch With Us Today!
The views expressed on this site and any linked resources are intended solely for educational purposes. Nothing provided here should be interpreted as financial, investment, tax, or legal advice. All financial decisions are personal and should be made with consideration of your unique circumstances. Before taking any financial action, consider speaking with a qualified professional. Philosophy Finance does not endorse or guarantee the accuracy of third-party content linked on this site.