Meet Eric and Sharlene.

Eric and Sharlene share a look inside the Wealth & Harmony Life Plan, formerly called the Stewardship Academy. Eric and Sharlene share their heartfelt journey of moving from financial frustration to intentional abundance through the Stewardship Academy.

In this candid and conversational testimonial, they reveal how budgeting felt tedious and progress seemed stagnant until they took the leap of faith to trust the program. From learning to align their finances with their faith to embracing a mindset shift that unlocked new opportunities, their story highlights the power of vulnerability, teamwork, and trusting the process.

They discuss the emotional and practical breakthroughs, including how intentional financial planning and mindset mastery transformed their quality of life. This testimonial demonstrates the program's life-changing impact, showing how faith, partnership, and actionable strategies can lead to financial freedom and a brighter future.

Meet Terry & Jill.

All I see are wins, wins, wins, no matter what. Car Paid off, Credit Cards paid off, and New Car in under 5 months. AND a new business.

I consider all of my clients like family, and this family is no exception. I absolutely love how they operate and how their story started. Jill was ready to start, but Terry was not ready to start. In this video, they explain how they waited for the Power of Agreement, and their transformation was mind-blowing.

This family experienced many money mindset illusions that could have bound them in fear and stress. The Brayboy family shares their incredible journey of financial transformation through Set 4 Increase. From struggling with uncertainty during the pandemic to achieving rapid wins, this faith-driven testimonial reveals how prayer, agreement, and stewardship led to paying off debt, raising credit scores, and even starting a business.

Their story is a powerful testament to trusting God, making bold investments, and stepping into financial freedom with confidence.Their story is a testament to the power of trusting God, making bold investments, and stepping into financial freedom with confidence. They now feel empowered, no longer worry about money, and are building a legacy for their family.

Meet Michella.

Michella's testimonial highlights a powerful journey of financial transformation. Michelle shares her experience of going from a structured but ineffective budgeting system to achieving accountability, mindset shifts, and financial freedom with Set 4 Increase. Her family was debt free in just 18 months.

She candidly discusses her struggles with maintaining a budget, the tipping point that pushed her to seek help, and the life-changing results of eliminating debt and learning to make money work for her. Her story is a testament to the importance of persistence, mindset shifts, and trusting the process, offering hope and inspiration to anyone hesitant about taking the first steps.

Meet Cynthia & Rachael.

In this heartfelt testimonial, two participants from the Set 4 Increase group program share their journeys from financial chaos to clarity. They candidly reveal their struggles with disorganization, overspending, and fear of change and how the program’s tools and guidance helped them transform their lives.

They discovered the power of discipline, teamwork, and faith in the process through accountability, budgeting, and mindset shifts. With improved credit scores, savings, and newfound financial freedom, their story is a beacon of hope for anyone hesitant to take the first step. This testimonial is a testament to the power of vulnerability, trust, and the life-changing impact of Set 4 Increase.

We have included chapters for ease of navigation and viewing.

Meet Jason and Family.

Hear their words of advice on trusting the process and hitting their financial goals. See how their journey started with organizing their finances to reach their goals. Read their testimonial on the video.
Their most recent win was their $13,000 student loan payoff without having to touch savings. AMAZING.

Meet Amy.

Amy Mitchell, a small business owner and entrepreneur, shares her inspiring journey of financial transformation with Set 4 Increase. After struggling with unclear budgeting methods and watching her money slip away post-divorce, Amy found herself at a tipping point. With the guidance, support, and expertise of Set 4 Increase, she regained control of her finances, saved her dream of building a business, and learned how to manage her money confidently.

Her story is a testament to the power of accountability, practical tools, and unwavering support, showing others that no matter how lost you feel, there’s always a path to financial clarity and success.

Meet David & Kiwana.

Kiwana and David Thomas join Brent and Lucy with Covenant Army to share their mission with Set 4 Increase, aiming to help families escape the paycheck-to-paycheck cycle. They discuss their personal financial challenges and the importance of budgeting, tithing, and faith in achieving financial clarity.

The couple emphasizes personalized guidance, strong client relationships, and the generational impact of financial education, while encouraging mindset shifts for better financial management and community engagement.

When God is in it there is NO limit. Within one week of working with Mrs Thomas I received a raise and more importantly I am able to be proactive with my finances instead of being reactive. This has put me in a place to purchase my first home a year later after being mentored by her and blessed by the knowledge she possesses . My credit score is great I just needed financial stability so I could start saving for a rainy day. I can say, I am now in line to reap all the rewards the Lord wants me and my family to receive. More importantly showing people the power of His love touches you in many different ways you just have to know when to accept it. Remember it is never over when the Lord has people like Mrs Thomas to teach and guide us especially when dealing with one of the most important aspects of our life, money, that can really make us or break us. I just want to say thank you and I know you are already blessed but you will receive many more. I tell and encourage everyone to begin taking control and I let them know to start at set4increase.com.

- Tiwana (Richmond, VA)

The Stewardship program has not only taught me how to be disciplined with my spending. The Stewardship program has also taught me how to be wise with my spending and how to save money for in case of emergencies as emergencies always Arise. I used to live paycheck to paycheck because I thought that every last dollar in my pocket should be spent because of my consumerist lifestyle. I did not focus on how much money I was saving at a time, rather I was focused upon spending all my money in the paycheck and resetting to the new paycheck.. The stewardship program has taught me to track my spending and to plan for future purchases so I can be aware of the money in my bank at all times and plan on saving money. I am now working at an excellent Job and I recently started my own Business thanks to the wonderful action plans that the stewardship allows me since I have an account with a Plan.It is great to have a bank account with a purpose attached and I would highly recommend the stewardship program to anyone that is looking to build or strengthen their credit, have a savings for future purchases, and to learn about financial strategies that may help to empower them.

- Victor (PalmBay, FL)

I would like to offer this statement about the services, "It really works if you are truly committed to the program." I ran into financial difficult along the journey of life and it many changes with funds dry up. Plus, not being a good steward over what he blessed me with throughout my career. But by listen, applying and following the programs offered threw Set 4 Increase, plus the one-on-one sections with financial consultant to help me navigate threw this process for my own situation is priceless. I now find myself back on the road with a good solid foundation built on sound biblical principles in place that actual work and to see my credit scores rise as a result speak volume about the services I received. I would refer anyone to this service if they are really serious about getting control over their finances situation or have run into problems.  

Thanks, 

- Howard (Rockledge, FL)

It is surreal when I think of the progress that my family and I (we) have experienced working with Kiwana Thomas and Set 4 Increase over the past five years. When we started working towards financial stability, we had just purchased our home, the transmission went out on one of cars, and I found myself quickly blowing through one of our savings accounts to handle all that life was throwing at us. While my background is in accounting and I knew the importance of a budget, which we had, I had not taken the time to track and assign every penny we earned. I needed help with ironing out the details of the money earned, spent and re-establishing our savings account. Within the first year, our year of sacrifice, we tightened our belts, cut back on discretional spending, and watched our debt dwindle. Within the next few years, we strategically eliminated debt while maintaining our life of travel, something very important to our family, and rebuilding our savings. Kiwana has been instrumental in helping us to obtain financial peace. Her method of allocating money to funds and incorporating our family goals each year when creating our financial worksheet has led to our financial success. Now, we have a solid savings, are exploring investment opportunities, as well as suring up our retirement funds. The service and attention we’ve received the past few years while working with Kiwana has been top notch. I highly recommend that anyone who is looking to turn their financial situation around, or even build on the foundation they already have established give Kiwana Thomas and Set 4 Increase a try. Your financial freedom is waiting!

- Jason & A. (North Carolina)

Our family was so blessed by the service that Set 4 Increase provided for us. From every single meeting we had to every task we were given, everything was explained thoroughly and we never felt like we were lost. They gave us the tools we needed and the knowledge to set us up for success. Since working with them we've been able to pay off a car and three credit cards that totaled close to $10,000. Now we love budgeting and we have freedom in that area of our finances. We are so grateful for the service and the care we received.

- Ashle (Houston, TX)

This has been one of the best decisions I have made for me and my son! I have been working with Kiwana / Set 4 Increase since June of this year.

When I first heard of the program I was unsure of how I was going to come up with the money to pay for her services BUT I sat back and realized that I would spend more a month on unnecessary things than I do to pay for the program. Once I was committed she came up with numbers and a budget and made it work! I don’t even realize the money is gone!

You can tell she is doing what she loves! She is so patient and truly cares about your situation and your finances and it shows with everything she does. When I came to her I was at a point where everything was behind and my credit score was the lowest I’ve ever had it.

Now about 6 months later I am working a budget that is perfect, my credit score has increased 100+ points and I am a few months away from being debt free. I am also on my way to purchasing a house through a program she introduced me too!!!! She has so much knowledge and works in the community to gain other resources. I can not thank Set 4 Increase / Kiwana for everything she is doing for me and my son!! 

If you are in need of someone who truly cares and someone to help you get on track THIS IS WHERE YOU NEED TO GO! You will not regret it.

- Rachael (PalmBay, FL)