Build a financial plan your family can stand on.
You lead at work and at home. Your finances deserve the same strength and care. Start with a complimentary Financial Needs Analysis and real, no-pressure financial education.
Partnered with Revolution Financial Management
Candy & Ryan Pedersen are licensed financial professionals with RFM
No family left behind.
Hard-working families are being left behind.
Most people were never taught how money really works. They earn a good living but carry debt, lack real protection, and feel unsure about retirement. That is not a character flaw. It is an education gap, and we can close it together.
"Are we protected?"
If something happened tomorrow, would your family's income, home, and future be secure?
"Will we have enough?"
Retirement feels far away until it isn't. Is your money working as hard as you are?
"What will we leave behind?"
Legacy is more than money. It is the security and values you pass to the next generation.
Clarity first. Then a plan.
Your Financial Needs Analysis is a relaxed, one-on-one conversation where we look at where you are, where you want to go, and what may be standing in the way. You'll leave with clarity, whether or not you move forward.
Book
Pick a time that works for you, in person or virtual.
Review
We walk through income, protection, debt, savings, and goals.
Plan
Receive clear recommendations and education, with zero pressure.
Candy Pedersen
Licensed Financial Professional
Revolution Financial Management
Candy brings the same heart she brought to nursing: educate first, protect what matters, and help every family build real abundance.
Financial services and education
Financial Education
Workshops and one-on-one sessions on how money works, from cash flow to compound interest.
Life Insurance & Income Protection
Protect your family's income, home, and future if the unexpected happens.
Retirement Planning
Strategies designed to help you grow and protect your savings for the years ahead.
Debt & Cash Flow Strategy
A clear plan to reduce debt, free up cash flow, and build momentum.
Legacy & Wealth Transfer
Plan what you'll leave behind so the next generation starts ahead.
Business Owner Solutions
Protection and retirement strategies for owners, key employees, and teams.
Put your money to work with strategies built for growth and protection.
Offered through Revolution Financial Management, these strategies may help you grow wealth while protecting what you've built.
Indexed Universal Life (IUL)
Permanent life insurance with cash value potential linked to a market index, plus protection from market losses.
Fixed Indexed Annuities
Growth potential tied to an index, principal protection, and options for guaranteed lifetime income.
Tax-Advantaged Retirement Strategies
Approaches designed to help reduce the tax impact on your savings now and in retirement.
When you learn to lead your finances, you discover investing is more than the market.
Indexed strategies through RFM help protect and grow what you've already built. Real estate opens another door: tangible assets, cash flow, and long-term wealth you can see and touch. Together, they build a stronger, more complete foundation for your family's future.
Build real estate wealth and income, using investors' funds.
Real estate is one of the most proven paths to long-term wealth, and you don't need to use your own money to get started. Ryan and Candy are building their own real estate investing business through Renatus Real Estate Investing Education, and they love helping others learn, step by step, how to find deals, fund them with investor capital, and create lasting income.
- Learn proven real estate investing strategies
- Discover how to fund deals with investors' money
- Build cash flow and long-term wealth
- Learn alongside Ryan & Candy Pedersen and a supportive community
Get started with real estate investing
Tell us a bit about you and we'll reach out with next steps.
"No family left behind."
Heart & Backbone Leadership is proud to partner with Revolution Financial Management to bring financial education and protection to families across Idaho and beyond.Disclosure: Insurance and annuity products are offered through Revolution Financial Management. Candy & Ryan Pedersen are licensed insurance professionals. Candy is licensed in ID, WY, CO, FL, UT, WI, and OR. Indexed products are not direct investments in the stock market. Guarantees are based on the claims-paying ability of the issuing insurance company. This content is educational and not tax, legal, or investment advice. Real estate education is provided in partnership with Renatus and is separate from products offered through RFM. [Final disclosure language to be approved by RFM compliance.]