To Educate, Teach, and Expose Families and Individuals concerning the use of money, interest payments, and getting out of debt to be able to leave a long lasting positive financial legacy to their children and love ones for generations to come...
Terence S. Phillips, is the founder of TSP Financial Group and is has been in the accounting, finance, banking, and auditing arena for over 25 years.
Since graduating from Hampton University in 1989 with a Bachelor of Science degree in Accounting/Finance; Terence has seen the ups and downs of the financial markets, housing crises, and economic distress over the past few decades. He also experienced his own challenges during this time. However, he was able to not only survive, but thrive during this time with the help and guidance of his Lord and Savior Jesus Christ!
Terence also has a Master's Degree in Education from the Univeristy of Phoenix, and also holds various certificates in Customer Service, Management Training, Sales and Marketing. He has hands-on experiences and training in Automotive/RV Finance, Budgeting, Governmental Accounting, Sales/Marketing, Taxes, Real Estate, and Financial Planning/Budgeting. Hearing this young man's personal testimony during one of his workshops and presentations is a must!
Feeling the need to branch out further, and share his God given gifts, experiences, and testimony in this Financial Market, TSP Financial Group was birthed and a dream became reality. During many of Terence's networking encounters, a brand new business relationship was birthed with Jason S. Thomas and Don Daniels with the PILL Method Trust.
The Trio share the same goals and inspirations of helping to educate people concerning their Mortgage and Finances, Bringing Wall Street to Main Street, and giving back to the community. Therefore, a collaboration of the companies was formed. Like putting gas to a fire — their businesses has exploded and speaking engagements, seminars, and presentations are constantly book solid months in advance to obtain the wealth of financial knowledge these young men possess.
Terence is married to the beautiful and lovely Dr. Deidre M. Phillips. They both share in raising three beautiful children, leaving a lasting financial legacy for generations to come.
Jason S. Thomas is the founder of Future Family Finance and is a veteran leader in finance with over 25 years of experience in all aspects of finance in the USA, Central America and Europe. Jason specializes in Financial Education, Mortgage lending and understanding how money works.
Jason earned a Bachelor of Science in Finance for Oakwood University and soon opened his own Mortgage Brokerage Firm and in Miami, FL. After almost 5 years in the Mortgage business, he and a partner opened a Title Company in the same area.
After 7 years in the Mortgage business, Jason began assisting his existing clients in wealth management and currency trading. With huge successes, Jason, along with 2 other partners opened Capital Hill FX.
In 2010, Jason once again felt the urge to help individuals understand debt and how money worked. He joined forces with the PILL METHOD Trust, where he, along with founder Don Daniel, development the most powerful financial education presentation to date.
Jason’s ultimate goal is to help families realize that being debt free is a plausible goal that is worth striving for. He travels around the world sharing the many concepts that he has developed with audiences all eager to learn the secrets of money and how it all works. He and his wife, Carmen Hope Thomas, developed the “Husband and Wife Financial Bootcamp” to help couples learn how to work together to build wealth for their families for generations to come.
Jason Thomas is a certified financial educator with the National Financial Educators Council and has had the honor of moderating a panel on finance for the National Urban League’s annual national convention in Ft. Lauderdale, FL 2015.
Don L. Daniel, Jr., is the Founder and Chairman of The P.I.L.L. Method Trust Inc. His company is responsible for developing a systematic approach to learning to read the language in which loans are written, the language of Amortization with front loaded Interest. He started working on the basic concepts of his company in December 2006 while still employed as a Firefighter and EMT in Battle Creek, Michigan.
By July 2007 he was sure he had discovered that the lending industry was committing, what he now terms,“Financial Violence”, by systematically charging excessive interest. He is also convinced that the lending industry through psychologically coercive tactics and subterfuge incorporated in it’s marketing and advertising coupled with an intentionally imposed dearth of education on how the amortized loan with front loaded interest actually works, we as borrowers have became complicit in our own victimization. We are actually quite comfortable in seeking our banker’s advice on which loan products are best suited for our needs and the most efficient way to repay a loan!
According to the New York Times the numbers of 60 and 70 year olds preparing for and going into retirement still under the crushing weight of debt is skyrocketing! The message of Proverbs 22:7 has never rung truer; “The borrower is slave to the lender!" So with a burning desire to change the financial landscape, after much prayer and many discussions with his wife Patricia, it was decided to end his 17 year career as a Firefighter/EMT, 2 years after achieving the rank of Lieutenant, to work full-time on his fledgling P.I.L.L. Method Company. (Don is only the 2nd African American to make Lieutenant in the 100 year history of the Battle Creek, Michigan Fire Department.)
P.I.L.L. stands for:
P - Prepayment of Principal
I - Isolation of Principal Amounts
L - Leverage and
L - Liquidity
Don Daniel Since his humble beginnings Mr. Daniel has helped thousands of consumers learn to read, interpret, plan and implement a course of action that can cancel up to 75% of their scheduled interest payments, eliminate interest bearing loans in 1/3 the time and build wealth. All this is accomplished without refinancing, while keeping the payments the same and with little to no increase in one’s budget!
In 2011 alone, PILL Method clients began a journey to eliminate over $3,011,000.00 dollars of interest from their loans and cut a cumulative 390 years of payments they will never make by optimizing the use of their current budget! These numbers have been steadily rising ever since. Also in 2011 Mr. Daniel applied for and received the copyright for The P.I.L.L. Method.
The P.I.L.L. Method Trust Inc. brings to light the closely guarded secrets used by lenders to market loans and the products that support their industry. These deceptive methods are designed to keep consumers in debt most of their lives while helping them to believe they are making good sound financial decisions that save them time and money. All this is done while borrowers pay 75% more interest than they need to. Here is an important question we need to learn to ask ourselves, "If I am saving money...who's losing it? If your answer is the lending institution, please think again!
Mr. Daniel and The P.I.L.L. Method Trust has partnered with visionary computer programmers to introduce the cutting edge technology of Artificial Intelligence to consumer and business finance. This powerful system has, first of it’s kind, algorithms designed to optimize the use of money so that consumers will have more money available to purchase goods, services and education. So that there will be more money available to invest in retirement and more money available to pay off debts such as student loans, auto loans and mortgages in record time...all without an increase in income! How you ask? Through a process he calls Computer Aided Financial Optimization. This program is so advanced it has been called the “GPS for your money”.
The P.I.L.L. Method is incredibly more powerful than the commonly used and antiquated debt roll down or debt snowball system. Don Daniel is an ordained elder and has severed on the finance committee of the Oakwood University Church where he and his wife are currently members. His wife of 13 years is Patricia Stewart Daniel and is employed as an Administrator at Oakwood University. Elder Daniel has a passion for helping individuals understand the spiritual nature of their finances and how God wants us all to have more so we can do more in supporting the work to build up Christ’s Kingdom. The Daniel family includes two grown children Don III, 34 and Devin 27.
Terence S. Phillips
Jason S. Thomas
Don L. Daniels, Jr.
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