Free Finance
Liber Financultura (Free Finance) is a Costa Rica-based online financial education school serving Spanish-speaking adults in Latin America and the Caribbean, teaching personal finance management and early retirement through its 12-week Masterkit program and personalized advisory sessions.
- Company typePrivate
- Founded2014
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Free Finance does
Liber Financultura (doing business as Free Finance) is a privately held, founder-owned online financial education school founded in 2014 and headquartered in San José, Costa Rica, with a legal jurisdiction in Miami-Dade County, Florida. The company teaches Spanish-speaking individuals and couples in Latin America and the Caribbean a proprietary "7 Steps of Financultura" methodology — covering mindset, subconscious reprogramming, intentional income distribution, intentional expense management, investment education, financial protection, and action planning — aimed at retiring young and generating passive income. The core product is Masterkit de Financultura, a 12-week online program delivered through 12 pre-recorded video sessions, two live group classes with the founders via Zoom, 18+ bonus video sessions, and 12 workbooks, supplemented by a private Facebook community and a Zona de Alumnos member portal.
The company's business model combines (a) one-time license revenue from Masterkit enrollment, (b) professional-services revenue from personalized Plan de Acción and Asesoría Personal advisory sessions, and (c) ancillary revenue from specialized Talleres workshops on debt elimination and real estate investment evaluation. Pricing is not publicly disclosed and is presented only during a qualification-oriented application call that follows a free 30-minute masterclass used as a lead magnet. Go-to-market is sales-led and community-led: an application-based enrollment funnel, inside-sales consultations, organic content marketing via a weekly podcast (Dinero y Finanzas Personales), blog, and a multi-platform social presence (YouTube, Instagram, Facebook, TikTok, LinkedIn, Threads, email newsletter), with alumni testimonials driving word-of-mouth referrals.
The company was included on the Costa Rican securities regulator (SUGEVAL) "Alertas al Inversionista" list, prompting an official statement clarifying it operates strictly as a financial education provider rather than as an investment advisor. The firm is bootstrapped with no disclosed external funding, operates with a core team of 1-10 employees (founders María L. Víquez and Gus, plus a small team including Inti), and has scaled Plan de Acción delivery via certified Masterkit alumni educators since September 2022.
Free Finance firmographics
Firmographics- Name
- Free Finance
- Legal name
- Liber Financultura
- Website
- https://liberfinancultura.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Liber Financultura (Free Finance) is a Costa Rica-based online financial education school serving Spanish-speaking adults in Latin America and the Caribbean, teaching personal finance management and early retirement through its 12-week Masterkit program and personalized advisory sessions.
- Ownership category
- akta.pro rank
Free Finance industry classification
Industry- Product category
- Personal Finance Education
- akta.pro primary industry
- Financial & Consumer Literacy (Banking, Credit, Contracts) (EDAAAAAG)
- akta.pro secondary industry
- Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)
Keywords
Where Free Finance is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Free Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Masterkit Program: Comprehensive 12-week online financial education program delivered through video coursework, live Zoom sessions, and supplementary materials. Program fee is discussed during application call - no public pricing listed.
- Plan de Acción (Action Plan Sessions): One-on-one personalized Zoom sessions with certified financial educators for financial diagnosis, goal-setting, and roadmap creation. Discounted access (40%) available exclusively for Masterkit alumni.
- Personalized Financial Advisory: Individual financial advisory sessions offered as additional service for personalized guidance beyond standard program curriculum.
- Live Workshops/Talleres: In-person or virtual workshop sessions on specific topics such as debt elimination and real estate investment evaluation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Masterkit Program - Comprehensive financial freedom curriculum |
| Subscription | Pay-as-you-go | Plan de Acción personalized sessions |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels10 records
Free Finance product offering
Product offeringCore offering
Liber Financultura (Free Finance) is an online financial education school that teaches the management of personal finances through a proprietary 7-step methodology called the 7 Steps of Financultura. Its core offering is the Masterkit de Financultura, a 12-week program with pre-recorded video sessions, live Zoom classes with founders, workbooks, and supplementary materials, complemented by personalized one-on-one advisory sessions (Plan de Acci\u00f3n) and specialized workshops on debt elimination and real estate investing. The school targets Spanish-speaking individuals in Latin America and the Caribbean seeking financial freedom, debt elimination, and early retirement.
Product overview
Liber Financultura is an online financial education school offering a multi-product portfolio centered on achieving financial freedom. The core product is Masterkit de Financultura, a 12-week comprehensive online program teaching the '7 steps of Financultura' methodology. This core is supplemented by add-on services including personal advisory sessions (Plan de Acción) for individualized guidance, specialized workshops on debt management and real estate investing, and a weekly podcast (Dinero y Finanzas Personales). The company targets Spanish-speaking individuals in Latin America and the Caribbean who seek to retire young and live off passive income.
Differentiator
Problem solved
Functional benefit
Brands
- Masterkit de Financultura: The primary online financial education program consisting of 12 video sessions, 2 live classes, and 18+ additional video sessions teaching the 7 steps to achieve financial freedom and retire young.
- Plan de Acción
- Financultura y Bourbon
- Masterclass Gratuito
Products and services
- Masterkit de Financultura A 12-week online financial education program offering 12 pre-recorded video sessions, 2 live group classes via Zoom with the founders, and over 18 additional video sessions teaching the proprietary 7 steps to achieve financial freedom and retire young. Includes 12 workbooks, bonus materials on real estate and mortgages, and access to a private Facebook community. Designed for Spanish-speaking individuals in Latin America and the Caribbean who want to escape debt cycles, build passive income, and retire young. Enrollment is by application only.
- Plan de Acci\u00f3n (Asesor\u00eda Personal) One-on-one personalized Zoom sessions where a certified financial educator diagnoses the student's current financial situation, identifies goals, and creates a customized action plan for implementing the Financultura methodology. Available as a standalone advisory service and offered at a 40% discount to Masterkit alumni. Targeted at individuals and couples needing tailored guidance beyond the standard program curriculum.
- Talleres de Educaci\u00f3n Financiera (Workshops) In-person or online workshop sessions covering specific financial topics such as debt elimination, achieving financial order, and evaluating real estate investment opportunities. Offered as supplementary educational events for individuals and couples who want targeted training on a single topic.
Quantifiable outcome
- Person who saves 50% of income using proper investment instruments can retire in 15 years
- +4 more outcomes
Companies that use Free Finance
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
Free Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Free Finance partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Free Finance competitors and assessment
Company assessmentRegional players
- Crehana: Latin American online education platform offering professional and personal development courses in Spanish. Comparable as a Spanish-language online education provider in the same geographic market targeting similar consumer segments.
- Aprende Institute: Spanish-language online education platform focused on vocational and life skills courses for Latin American audiences. Comparable as a regional Spanish-language online education school targeting adult learners in similar geographies.
Direct peers
- iGrad: Financial education platform serving students, employees, and individuals with interactive courses and coaching. Comparable as a digital financial wellness platform combining curriculum with personalized coaching services.
- Money Management International: Non-profit financial education and counseling organization offering debt counseling, housing counseling, and financial literacy programs. Comparable as a structured personal finance education provider with curriculum-based delivery and certified counselor model.
- Financial Peace University: Ramsey Solutions' flagship 9-week personal finance course with video lessons, workbook, and group accountability. Directly comparable as a structured multi-week financial education curriculum sold as a premium course.
- Ramsey Solutions: Dave Ramsey's personal finance education company offering Financial Peace University and Ramsey+ courses. Directly comparable as a methodology-driven personal finance education brand built around a charismatic founder's proven system.
Emerging players
- Zogo: Gamified financial literacy app partnering with banks and credit unions. Partial overlap as a digital financial education platform focused on younger demographics and bite-sized curriculum delivery.
- Greenlight: Financial education app and debit card for kids and teens with parent-managed learning modules. Partial overlap as financial literacy platform with digital curriculum delivery and family-focused segments.
Others
- Khan Academy (Personal Finance): Free educational platform with a comprehensive personal finance course library. Adjacent competitor that sets the zero-price baseline for online financial education content and pressures paid alternatives.
Broad incumbents
- NEFE (National Endowment for Financial Education): Established non-profit foundation providing financial education research, programs, and SmartAboutMoney.org resources. Comparable as a broad personal finance education organization with curriculum and consumer-facing tools.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Free Finance social profiles
Digital presenceFree Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Free Finance leadership team
Management profileNumber of profiles
Profiles2 records
Free Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Free Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Free Finance
What does Free Finance do?
Liber Financultura (Free Finance) is an online financial education school that teaches the management of personal finances through a proprietary 7-step methodology called the 7 Steps of Financultura. Its core offering is the Masterkit de Financultura, a 12-week program with pre-recorded video sessions, live Zoom classes with founders, workbooks, and supplementary materials, complemented by personalized one-on-one advisory sessions (Plan de Acci\u00f3n) and specialized workshops on debt elimination and real estate investing. The school targets Spanish-speaking individuals in Latin America and the Caribbean seeking financial freedom, debt elimination, and early retirement.
Is Free Finance a public or private company?
Free Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Free Finance founded?
Free Finance was founded in 2014. It employs 1 to 10 people.
Where is Free Finance based?
Free Finance is headquartered in Miami, United States, in the North America region.
How does Free Finance make money?
Four revenue lines are on record. Masterkit Program is the primary driver. The others are plan de Acción (Action Plan Sessions), personalized Financial Advisory and live Workshops/Talleres.
Who are Free Finance's main competitors?
Regional players on record are Crehana and Aprende Institute. Direct peers are iGrad, Money Management International, Financial Peace University and Ramsey Solutions. Emerging players are Zogo and Greenlight. Khan Academy (Personal Finance) is listed as an others. NEFE (National Endowment for Financial Education) is listed as a broad incumbent.
Does Free Finance have an API?
No public API is recorded for Free Finance.
What industry is Free Finance in?
Free Finance's product category is Personal Finance Education. Its primary akta.pro industry code is EDAAAAAG, Financial & Consumer Literacy (Banking, Credit, Contracts), with a secondary code of FSAGADAH, Financial Education & Coaching (Digital Programs, Tools).