ABOUT US

Have you ever played Monopoly with someone who's never played before and is asking about the rules as they go? There is a very slim chance they will actually win the game. Their inexperience and lack of knowing the rules could lead them into making some bad decisions that will haunt them as the game goes on.  That's how 67% of the US population lives their life. They’re thrown into the world without truly understanding the rules and are left to ask questions as they go.                                                                                                                         

Crucial Concepts will teach you “The Financial Rules of the Game” we call life. We help people take control of their finances and create a plan for a more secure financial future. Whether you're struggling with debt, looking to save for retirement, or just want to be more confident in your financial decision-making, we can help. We work with clients to create personalized financial plans that are tailored to their individual goals and needs. Our approach is practical, straightforward, and focused on helping clients achieve their financial goals in a way that works for them. With Crucial Concepts help, you can build a strong foundation for your financial future and feel more confident about your financial decisions.

The Tree of Concepts


Christopher Seepersaud is a financial coach and founder of Crucial Concepts. Chris holds a Bachelors of Science degree in Electrical Engineering and a MBA in Finance from Sacred Heart University.

Chris has a passion for helping people take control of their finances and achieve their financial goals.

Chris began his financial coaching journey 5 years ago when he entered the corporate workspace as a software engineer and realized just because people make good money doesn’t necessarily mean they know how to manage it. Chris grew fascinated with finances which is why he pursued an MBA in Finance. During his studies he gained a deep understanding of the inner workings of the financial markets and the psychology of money. Upon graduation he realized that his true calling was to help everyday people manage their money and achieve financial security.

Since then, Chris has worked tirelessly to hone his skills as a financial coach. He has helped countless individuals and families create personalized financial plans that align with their goals and values. Chris believes that financial success is not just about making money, but also about making smart decisions with that money.

Chris is known for his ability to simplify complex financial concepts and communicate them in a way that is easy for his clients to understand. He takes a holistic approach to financial coaching, addressing everything from budgeting and debt management to retirement planning.

In his spare time, Chris enjoys reading about personal finance and staying up-to-date on the latest industry trends. He is also an avid traveler and enjoys exploring new destinations with his family.

Meet Chris