Frank Woods

Founder and Financial Literacy Advocate

Over a lifetime, I’ve been fortunate to have excellent mentors — people who showed me what thoughtful planning looks like, and others whose missteps taught me just as much. From both, I learned the same lesson: the principles that build financial security aren’t complicated. They just require discipline.

A few golden rules have guided me ever since:

  • Live on less than you make. It sounds simple because it is — and yet it changes everything.
  • Save 15% of every dollar that comes in. Not someday. Now. Every time.
  • Never invest in anything you don’t fully understand. If you can’t explain it, you shouldn’t own it.
  • There are no shortcuts. No scheme, no tip, no “opportunity” replaces the quiet, steady work of building wealth over time.
  • These aren’t secrets. They’re habits — and they’re available to anyone willing to practice them. That’s why I’m here.

Credentials

Certified Financial Education Instructor

May 2023

A respected certification obtained through specialized training with the National Financial Educators Council (NFEC), empowering him to deliver effective financial literacy education on topics like budgeting, debt management, savings strategies, and building long-term financial wellness, while adhering to high standards of instructional excellence.

Certified Financial Planning Master's Degree - Boston Institute of Finance

December 2020

A globally recognized program earned through intensive education at the Boston Institute of Finance, demonstrating mastery in holistic financial planning, risk management, investment strategies, tax planning, retirement, estate planning, and a commitment to ethical standards.”

Master's degree Business Administration - Nazareth College Rochester NY

May 1997

A specialized focus on Finance and Macro Economics, providing a strong foundation in financial markets, economic principles, strategic decision-making, and analytical skills essential for guiding others toward financial success.

Bachelors of Science Industrial Engineering - State University of New York at Buffalo

September 1987

Frank Woods of WoodsWealthWisdom.com