WealthWave’s Mission Recognized

A Milestone in the Fight for Financial Literacy

On January 1, 2025, history was made for WealthWave as Jorge Kalmar was presented with a Certificate of Recognition from the State of California Senate for his outstanding leadership and dedication to advancing financial education. This prestigious honor, awarded by Senator Susan Rubio of the 22nd District, celebrates the significant impact of WealthWave’s educational initiative, How Money Works, which strives to empower individuals and families with critical financial literacy skills.

The recognition highlights the importance of financial education as a tool for creating opportunities and fostering long-term financial independence. Senator Susan Rubio praised the initiative, stating:  

"On behalf of the California State Senate, it is my honor to recognize the launch of your educational program, How Money Works, to share information on financial literacy. Thank you for your interest in supporting our community. Congratulations!" – Senator Susan Rubio, 22nd District

This honor is not just for Jorge Kalmar or WealthWave—it represents a shared mission to make financial literacy accessible to everyone. It’s a powerful reminder that understanding money and how it works is a vital skill that can transform lives. WealthWave’s commitment to this mission is evident through every class we teach, every book we share, and every student we guide toward becoming a client. Each step taken is a move toward greater financial independence for individuals, families, and communities alike.

The program, How Money Works, is designed to simplify complex financial concepts so they are accessible for all, aiming to close the knowledge gap that leaves so many people unprepared to manage their personal finances. Whether it’s teaching the importance of budgeting, explaining how compound interest works, or helping participants understand how to protect and grow their wealth, this initiative continues to inspire positive change.  

This recognition from the California Senate reinforces WealthWave’s unwavering belief that financial literacy is a fundamental human right, and it motivates us to expand our reach even further. Together, we are building a future where financial freedom is no longer a privilege but a reality for all.

Why Financial Literacy Matters

Far too many people in this country have never been taught the fundamentals of how money truly works. Traditional education systems focus on academics but fail to equip individuals with the essential skills needed to manage, grow, and protect their wealth. This gap leaves individuals vulnerable, often making critical financial decisions based on misinformation, trial and error, or worse—inaction. The lack of financial literacy not only impacts personal finances but can ripple through families and communities, perpetuating cycles of debt and instability.

At WealthWave, we define a client as someone who is under the protection of another. We don’t take that responsibility lightly. We believe education is the foundation, but education alone is not enough—education without action is meaningless. Our mission is clear and focused on empowering individuals to take control of their financial futures.

• To equip individuals with the knowledge they never received in school, at home, or in the workplace. We uncover the basics of money, from budgeting and saving to understanding investments and planning for retirement.  
• To provide access to financial professionals who can guide them toward informed decisions. Our experienced team helps clients navigate the often-complicated world of finance with personalized advice and support.  
• To ensure they have the tools, products, and services necessary to maximize their time and money. Whether it’s insurance, investment strategies, or budget management tools, we provide resources tailored to their goals.  

Financial literacy is more than just a skill—it’s the foundation for a better quality of life. Through education, guidance, and the right tools, WealthWave is committed to helping individuals build a secure future for themselves and their families. Together, we can close the gap and create a world where everyone has the confidence and knowledge to make the most of their financial opportunities.

A Movement That Changes Lives

Tom Mathews, a leader at WealthWave, puts it best: “You don’t have to be a financial expert to change lives. You just have to care enough to share the truth about money with people who desperately need it.” That belief drives everything we do at WealthWave. It’s not just about financial literacy—it’s about creating a movement that empowers individuals and families to take control of their financial future. We believe that knowledge is power, and by simply sharing the truth about money, we can spark life-changing action.

Every financial education class we teach, every How Money Works book we put in someone’s hands, and every conversation we have with a family in need is a lifeline. It’s about more than just numbers—it’s about protecting and empowering people to break free from the cycle of financial struggle. Families burdened by debt, individuals unsure how to save for the future, and young professionals just starting out all benefit from simple, straightforward education that most of us were never taught in school.

Bill Mitchell, another key WealthWave leader, often reminds us: “It’s not about selling products—it’s about solving problems. When you teach people how money works, you don’t have to convince them to take action. They’ll want to do it because they finally understand.” And it’s true—financial education isn’t about pushing a product or making a sale. It’s about helping people connect the dots, giving them the tools they need to make confident, informed decisions, and showing them that financial freedom is within reach.

This movement is about more than just helping individuals; it’s about creating a ripple effect that can transform entire communities. When we help one family learn how to budget or one individual start saving for retirement, the impact goes far beyond that single action. We’re building a foundation of financial confidence that can be passed down for generations. Together, we’re not just changing lives—we’re changing legacies.

The Next Step: Expanding Our Impact

This recognition by the California State Senate is more than just a moment of pride—it’s a call to action for every WealthWave leader across the country. The demand for financial literacy has never been greater, and we hold the key to meeting this need. But our mission goes beyond simply teaching concepts—we must also serve individuals and families by helping them take actionable steps toward a more secure financial future. It is through action that knowledge turns into life-changing results.

We must continue to guide people toward becoming clients and creating legacies that will last for generations. Every conversation, every lesson, every interaction has the potential to alter the course of someone’s financial life—and in turn, their family’s future.

What can you do today?

• Share one of TheMoneyBooks series with someone who could benefit from its powerful, life-changing lessons.
• Invite a friend, family member, or colleague to attend a financial education class and empower them with tools for success.
• Start a meaningful conversation that could transform a family’s financial habits and help them build a legacy for the next generation.

This is not just a business—it’s a movement that touches lives, creates opportunities, and fosters hope. It continues to grow because leaders like Jorge Kalmar are proving that financial education is much more than just knowledge; it’s a responsibility, a mission, and a calling. By inspiring others to take control of their finances, they are changing lives in ways that ripple through communities.

There’s no question: the work we do matters. The impact we make is real. And the responsibility we carry is profound. Let’s continue this fight together and push forward with renewed passion and focus. Together, we are changing the world—one financially educated person at a time.

Join the Movement. Teach. Serve. Protect. Lead.