Relationship Above All
Trust comes before strategy. I get to know you and your family before I recommend anything.
About
Relationships First. Always.
I'm Ryan Frey, founder of Evernorth Financial. For nearly two decades, I've helped families and business owners build, protect, and pass on what matters most.
My story
Why I Do This Work
When I started in this industry, my goal was simple: help people build real financial security. Over time, I learned that the numbers are only part of the job. The real work is understanding people: their families, their businesses, their worries, and what they hope to build.
I've been there for new businesses, growing families, difficult diagnoses, and the passing of loved ones. Those moments showed me how much it matters to have someone in your corner who understands your whole situation.
That's why I built Evernorth Financial.
The turning point
A Turning Point in My Practice
In 2021, I was introduced to Nelson Nash's Becoming Your Own Banker. It changed the way I thought about capital, financing, and financial planning.
There is so much financial noise today: market predictions, hot tips, and competing advice from every direction. I realized that what my clients needed wasn't another product or prediction. They needed a foundation: controlling their cash, understanding where their money flows, and making every decision from a position of strength.
That realization didn't narrow my practice to one strategy. It became a lens for everything else: when you control your cash, you have more options, more clarity, and more confidence in the decisions that follow.
"In a world full of financial noise, you need a foundation that doesn't move."
The bigger picture
One Strategy Is Never the Whole Picture
Infinite Banking opened my eyes to a different way of thinking about capital, but I quickly saw that real financial clarity requires more than one strategy. Business owners and families face tax questions, protection needs, investment decisions, succession plans, retirement decisions, and estate concerns — and those pieces all affect each other.
That's why I built Evernorth to look at the whole picture. The goal isn't to find one strategy that solves everything. It's to understand how the pieces fit together and build a plan around what matters most to you.
Why Evernorth
Built Around the Way Financial Decisions Actually Happen
Financial decisions rarely happen one at a time. A decision about your business can affect your taxes. A tax decision can affect your retirement. Your retirement plan can affect your estate. And protecting your family or business can influence all of them.
Evernorth was built to look at those connections — not just individual products — and help clients make better decisions with the bigger picture in mind.
One relationship. A broader view. A plan built around you.
What I believe
What I Believe
Clarity Over Complexity
Financial planning should help you understand your options, not leave you with more questions than answers.
Strategy Over Products
The right product is only useful when it serves a larger strategy.
Here for the Long Haul
Your financial life will change. My role is to help your plan evolve with it.
Your professional team
You Shouldn't Have to Coordinate Your Own Financial Team
Your accountant, lawyer, investment professionals, and other specialists each bring important expertise. My role is to help connect the pieces when your situation requires it.
You maintain the relationships you already trust. I help make sure the financial strategy is being looked at as a whole.
My commitment
My Commitment to You
I'll tell you what I believe, explain why I believe it, and be honest when I think something isn't right for you.
You should never feel pressured into a financial decision you don't understand. My job is to help you see the bigger picture, understand your options, and make decisions you feel confident about.
Ryan Frey, Founder, Evernorth Financial
NEXT STEP
Let's Start With a Conversation
You don't need to have everything figured out before you reach out. Bring your questions, your goals, or simply the things you're trying to make sense of. We'll start there.