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AJM Associates' Partners

Above The Clouds

Charles Richardson Jr

Financial Therapy


Charles had creditors constantly calling, a car that was too expensive, more clothes than he could wear, and a six-figure debt. He spent money to escape a financially unstable life that he had created. In 2008, he knew he needed to make a change. Charles started to put his principles to work, and now, his income works for him. Today, his credit score is above 800. He has the extra luxuries that he desires, and the only zero in his life is his financial stress level.  


In 1973 Charles earned a business degree from Michigan State University. After that, he worked in Manhattan for 10 years. During his time there, he watched many ordinary men and women create wealth and most importantly retain it. He learned firsthand how to employ a strategy, day by day, week by week, and month by month that helps individuals and families retain more of their income, to live the life they deserve. Charles learned from the economic collapse of 2008, and mastered the philosophy, mental strength, and proper daily steps to prosper in running his household finances like a business. 


Why trust Above The Clouds to help you put a plan in place so that you keep more of the money you earn? Not only does Charles have 20+ years of practical monthly cash flow planning knowledge under his belt, but he practices what he preaches. Charles uses the principals that he teaches in his own life, and they work. Using his plan and tools, he was able to pay his mortgage in full in only 4 years. At the same time, he is still able to donate to multiple causes he cares about while continuing to live comfortably. 


If you desire to keep more of your own money and direct it so that it benefits you, talk to Charles at Above The Clouds. Or if you want to increase your net worth, and live a life that is stress free and financially stable, he can help. Click “Start Living” and find out how Above The Clouds can help you live the life you deserve.


If you are a business owner that wants to provide a retention tool; the gift of employees keeping more of their income, reach out to Charles. Click “Start Living” and find out how they might assist. 

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Contact Information

(734) 224-8650

Website: Above The Clouds

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