At Mindful Finance, we believe that most attempts at financial training fail because they over-emphasize content and process. That focus makes learning this information tedious and difficult for non-financial professionals. Instead, our team focuses on developing strategic financial tools, concepts and activities to tie great learning to improved financial performance.

Financial awareness and improved decision making happen when learning is fun, simple and relevant to the day-to day activities and behaviors of your salespeople, managers and employees. We customize our proprietary activities to your specific business environment and performance measures. As a result, our programs provide immediate impact on how people think, communicate and take action concerning better financial decisions and results. Below are the members of the team that make it happen.

Members of the team by function:

Project Management, Design and Delivery: Michael Higgins is the founder of Financial Decision Maker and an expert in the creation and deployment of training methods and processes for individuals, groups and leaders in business. He has managed a range of training projects, including the subjects of finance, leadership, communication and customer service for companies such as ABB, Steelcase, Wachovia Securities, Midas, Limited Brands and Herman Miller. The projects have resulted in positive, long-term change in company culture, individual behavior, and business outcomes.

Project Management, Design and Delivery: Ted Kinsman is a developer at Financial Decision Maker and provides twenty years of consulting skills in systems analysis, executive management, master facilitation, project management and course design. Drawing from an advanced degree in business, Ted offers a unique perspective gained from projects conducted worldwide and has worked with such clients as Verizon Wireless, General Motors, Exxon-Mobil, American Honda, ABB, Philips Electronics, BOC Gases, and Steelcase. 


Marketing, Strategic Direction, Mindful Support: Ozzie Gontang is a partner/owner at Mindful Finance. "Oz" is also a storyteller. His gift is helping individuals alter their perceptions, self-limiting beliefs, false assumptions, life stories that neglect one’s unique contribution, and thinking that blocks competence, community, and what is humanly possible.  He is a Chair for 30 + years for Vistage International (formerly TEC), a peer-advisory organization.


Online Design and Development: Jeff Gregory has worked in technical communications since the mid-1980's. With a Bachelor's in Journalism and  a Master's in History of Science from the University of Wisconsin-Madison, he started out as science writer working for the university. Since then, Jeff has focused on course development and technical writing in the software, telecommunications, and emergency response fields.

Online Design and Development: Ken Saltz holds a Master's degree in Educational Technology from San Diego State University. He has over ten years experience analyzing, designing, developing and implementing Electronic Performance Support Systems and performance-centered training solutions for Fortune 500 companies and government agencies.

Web development and technical support: William Rice is a training professional. He is the author of Moodle E-Learning and Moodle Teaching Techniques. William enjoys finding ways to apply time-tested, proven teaching techniques using new tools--such as e-learning systems, video conferencing, and online social networking. His professional passion is creating learning experiences that enable students to accomplish their goals. His job on the Financial Decision Maker team is to provide technical support, solve technical glitches and support the development of new web products. 

At Mindful Finance, our work is built on three assumptions:

  1. Decision-making acumen is a primary foundation of leadership ability
  2. Having people with this ability is essential to developing bench strength, success and strong bottom lines at every company
  3. In the 21st century economy, every manager at your company is a financial decision-maker and most managers need and want to make better decisions to affect cash flow and profit performance.

We partner with our clients to provide customized, friendly, practical decision-making training that improves communication, team synergy and operational decisions at every level.

Our Team

Our Focus

In the short term, train your non-financial managers to improve profit & cash flow; in the long term, change their decision-making confidence and mindset for good!