Ready to Achieve Financial Freedom? Take Control of Your Finances, Change Your Life
* Program led by Elisabet Ruiz-Dotras, PhD in Finance, Coach, Financial Advisor and Speaker
Elisabet RD's media appearances







Is this your reality?

Good salary but no security
You earn a good income, but you don't feel like your money is working for you. The lack of time, knowledge, or interest is keeping you from achieving a sense of control and security.

Business success but financial stress
Your personal and business finances are often intertwined. You earn a great income, but a clear plan for your net worth, your business, and your future is missing.

Need to build a retirement plan
You dream of a secure future, but you're not sure how to get there. Whether you're planning for a traditional retirement or aiming to retire early, you need a clear roadmap to financial freedom.

Trapped by debt
After years of hard work, you feel stuck. Debts and loans are taking a big bite out of your salary, and you have no clear plan to make your money grow.
Your path to Financial Freedom starts here

Your financial life doesn’t have to be a source of stress. Whether you’re struggling with debt or dreaming of an early retirement, you have a clear path forward.
Financial coaching is not about judgment or complicated spreadsheets; it’s a personalized partnership designed to help you build confidence, create a clear plan, and transform your relationship with money.
I’m Elisabet Ruiz-Dotras, a financial expert and passionate advocate for financial well-being. I believe that with the right guidance, anyone can achieve their financial goals. My coaching and mentoring services are designed to empower you to take control of your finances and forge a clear path toward a secure future.
What you will accomplish
Through our sessions, you will gain invaluable insights and practical strategies to:
- Understand and Organize: Gain clarity over your current financial situation, building a realistic and flexible budget that works for your life.
- Achieve your Goals: Design a strategic plan tailored to your specific goals, whether it’s eliminating debt, preparing for a comfortable retirement, or saving for a major purchase or investing.
- Embrace Independence: Develop a clear roadmap to achieve financial independence and build lasting wealth.
- Find Peace of Mind: Gain the confidence and security of knowing your money is working for you, allowing you to align your personal values with your financial decisions.

Financial freedom starts with Elisabet Ruiz-Dotras
PhD in Finance, Financial Advisor, Coach, and Speaker
I am an international professor, researcher, and speaker. As a frequent media collaborator, I share insights on financial and business topics.
I consider myself passionate about finance and love to share my knowledge to make life easier for others.
After more than 30 years in academia, I felt the need to share my expertise differently—in a much more personal way, focused on people’s real needs.
A firm believer in continuous learning and personal growth, I have reached a point in my life where transforming your reality and empowering your financial journey is my life’s mission.
Your journey to a secure financial future begins with a single conversation.
Ready to get started?
What will you achieve?
Financial clarity and control
We will help you understand your current financial situation, giving you the power to take control and build a stronger economic future.
Make informed financial choices
We will empower you with the knowledge to make informed financial decisions, ensuring you choose what's best for you and your future.
Healthy financial habits and behaviors
Say goodbye to financial problems for good.
Your custom savings plan
We'll work together to turn saving into a habit. We'll outline your financial goals and create a plan to help you consistently grow your wealth.
Release financial guilt
Free yourself from guilt over not managing expenses, lacking time for your finances, or feeling you spend too much.
FIRE
We will create a clear, actionable roadmap to accelerate your journey to financial independence and retire on your own terms.
Retirement security
We will build a robust savings and investment plan designed to ensure you can retire with confidence and comfort.
Debt freedom
We will develop a powerful strategy to eliminate debt, take back control of your cash flow, and build a strong financial foundation.
Guidance every step of the way
We'll guide you throughout the entire program, addressing any questions and helping you simplify and organize your finances effectively.
How it works
Your relationship with money is more than just a bank account; it’s a mix of habits, mindset, and knowledge. Our service is specifically designed to address this complexity.
More than a simple advisory, we offer a unique program that combines Coaching & Mentoring. This is the perfect balance of expertise, guidance, and a wealth mindset to boost your financial intelligence, cultivate healthy financial habits, and create a new outlook.
Our program isn’t about quick fixes; it’s about a complete transformation. We will guide you to shed doubts and lack of control, empowering you to make conscious and optimal financial decisions. The result is not just a plan, but a financial life built with intention, freedom, and peace of mind.
Discover how we can help you transform your financial well-being.
1
Foundation & Clarity
The first step is to establish a solid foundation. We’ll conduct a comprehensive review of your finances to gain a clear understanding of your current situation. This allows us to identify your short-, medium-, and long-term financial goals and define a clear roadmap for where you are and where you want to go.
2
Strategy & Mindset
This is where the real transformation begins. We will design a detailed action plan, but we won’t stop there. We will also work on the habits, mindset, and behaviors that influence your financial decisions. By understanding your unique personality, we will help you overcome obstacles and stay focused on your goals.
3
Guidance & Action
You won’t be on this journey alone. Throughout the five-month program, I will be by your side to guide you every step of the way. This continuous support is crucial for keeping you on track, answering your questions, and ensuring you feel supported at all times. We’ll conduct consistent check-ins and adjust strategies as needed to make sure you achieve your goals.
Why choose Elisabet RD? Academic Excellence, Research Innovation, and the Unique KABAS Method
30+ Years of Teaching Experience at International Universities
For more than three decades, I have been a university professor dedicated to delivering knowledge with academic rigor and quality. This commitment is an essential requirement in all my endeavors.
Advanced Training in Finance and Coaching
My interdisciplinary training in finance and coaching enriches my programs by providing both knowledge and personal development. I focus on enhancing your relationship with money and breaking behavior patterns that limit your financial improvement.
15+ Years of Research and Publications in Financial Education
I have spent over 15 years researching and publishing on topics related to gender, financial education, and entrepreneurship. My scientific studies highlight the urgent need to empower people in this field, especially women.
A Unique and Innovative Method Combining Coaching and Financial Education
My KABAS method combines my expertise as a PhD. in finance with my coaching experience. This exclusive method is inspired by OECD criteria to empower and equip individuals with lasting financial skills.
Packages and Prices
The One-Month Reset
(30 days suport package)
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Ideal for people willing to take control of their finances and achieve their goals
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Aiming at financial organization, debt management (including credit cards and student loans), financial awareness, and wealth-building
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Pre-session information gathering
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Two (2) one-hour sessions with your coach to organize your finances
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Duration: 30 days
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Useful tools for personal finance
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Customized recommendations after each session
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"Ask your coach" questions answered via email during your 30 days
The Financial Blueprint
(5 months program - Total support package)
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Ideal for people willing to change their relationship with money and achieve lasting financial empowerment
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Get a clear view of your finances and establish concrete goals
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Establish lasting healthy financial habits
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Overcome financial stress once and for all
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Pre-session information gathering
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1:1 session to organize your finances (one-hour session with your financial coach)
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Two (2) one-hour sessions with your financial coach to change habits and behaviours following the Kavas Method
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1:1 session to set a strategy to reach your financial goals (one-hour session with your financial coach)
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A Guide with your Financial Roadmap
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Customized recommendations during and after each session
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Detailed summary and action plan after your meeting
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Your Financial personality test to understand your habits and behaviours
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Useful tools for personal finance
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"Ask your coach" questions answered via email during your five months
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Duration: 5 months
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Total of five (5) One-on-One sessions
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Payment plan available
What They Say About Our Program
Quick results in a short period of time. Working with Elisabet has been wonderful. She is amazing, super empathetic, very approachable, and highly knowledgeable in the subject matter..
What I liked the most were the quick and optimal results. I have achieved more than I imagined and in much less time. I have quickly organized my chaotic financial situation, both personally and as a couple. I have changed my perception of money and eliminated fears. The work we have done gives me a lot of security and greatly reduces my stress.
I highly recommend this service to anyone who wants to quickly organize their finances and feel at ease.

MASTER your finances and UNLOCK your financial freedom
An opportunity you don’t want to miss
In case it helps you decide
It's for you if
- You have regular income but struggle to save consistently every month.
- You want to change your relationship with money.
- You want to improve your current financial situation.
- You want to prepare for your retirement.
- You want to accumulate wealth instead of debts.
- You want to be financially savvy and improve your financial literacy.
- You are willing to work and make changes in your life.
It's not for you if
- You are looking to get rich overnight.
- You are not willing to change behaviors and attitudes.
- You are not committed to working during the program weeks.