Join us on "I Am Refocused Radio" as we welcome Ralph V. Estep, Jr., a seasoned accountant, author, and podcast host, to discuss the intersection of faith and finance. Ralph shares practical strategies and biblical principles for breaking free from the cycle of living paycheck to paycheck.


In this inspiring conversation, Ralph draws from his extensive experience in finance, accounting, and entrepreneurship to offer actionable advice on:

• Creating a budget that honors God
• Investing for the future
• Managing debt and building credit
• Leadership and entrepreneurship
• Applying biblical principles to financial decision-making

Tune in to discover how to achieve financial freedom and live a more purpose-driven life.


https://www.askralphpodcast.com/refocused

Ralph V. Estep, Jr. is a highly accomplished professional with a diverse background in finance, accounting, technology, and entrepreneurship. As the principal at Saggio Management Group, Inc., he has demonstrated exceptional leadership and expertise in various roles throughout his career.

Ralph's educational journey began at St. Mark's High School in Newark, Delaware before attending the University of Nebraska where he was an esteemed member of the Cornhusker Marching Band and had the privilege of performing at the Florida Citrus Bowl in Orlando.

Continuing his pursuit of knowledge and excellence, Ralph earned a Bachelor of Science Degree in Accounting from the University of Delaware. He further expanded his academic achievements by obtaining a Master's in Business Administration from Wilmington University.

Throughout his professional journey, Ralph has been recognized for his outstanding accomplishments and commitment to excellence. He is a member of prestigious organizations such as the Golden Key National Honor Society and Beta Gamma Sigma International Business Honor Society.

With an extensive range of professional designations including Licensed Public Accountant (LPA), Accredited Business Accountant (ABA), Accredited Tax Advisor (ATA), Accredited Tax Preparer (ATP), and Internal Revenue Service Registered Tax Preparer (RTRP), Ralph possesses comprehensive expertise in tax preparation and financial management.

Beyond his impressive qualifications, Ralph has actively engaged with various community programs as both a mentor for Junior Achievement and through participation in the Dale Carnegie Leadership Training Program.

Throughout his career journey thus far, Ralph has held significant positions that have showcased both his financial acumen and leadership abilities. Notably, he served as Chief Financial Officer at Westminster Presbyterian Church where he streamlined financial operations through implementing electronic reporting mechanisms resulting in improved accuracy and efficiency.

Additionally, Ralph made significant contributions during his tenure at American Spirit Federal Credit Union where he rose to Executive Vice President after being promoted from staff accountant to Vice President of Financial & Lending Operations. His involvement in the credit union's community charter and collaboration with Fiserv to develop an in-house financial management system demonstrated his commitment to innovation and growth.

Ralph's expertise extended further as he joined Morris, James, Hitchens and Williams, a prominent law firm in Wilmington, Delaware. As the firm controller, he played a pivotal role in enhancing technology utilization, internal controls, communication systems through the development of a comprehensive intranet platform.

Recognized for his exceptional performance at Aftech (a Fiserv resource), Ralph redesigned their client communications system while also improving management performance across the organization. His efforts were acknowledged by Fiserv for his superior contributions.

In 2003, Ralph established The Estep Group as a public accounting firm based in Townsend, Delaware. With an emphasis on leveraging cutting-edge cloud technology and adopting paperless office practices, he built a world-class technology accounting practice that catered to hundreds of business and individual clients. Later rebranded as Saggio Management Group and Saggio Accounting+PLUS when relocated to Smyrna, Delaware. The business is now located in Middletown, Delaware.

Driven by his passion for technological advancements within the industry, Ralph founded Virtuale Success Inc., offering clients access to state-of-the-art cloud services through turn-key virtual computer desktops. In partnership with another Silicon Valley pioneer, in 2013 he launched Capital Cloud Solutions which provides comprehensive cloud technology solutions nationwide.

Outside of his professional pursuits, Ralph is happily married to Jennifer Estep, and together they have two sons. His dedication extends beyond work, fostering strong family bonds alongside career accomplishments.

In addition to his professional endeavors, Ralph co-founded Estep Farm LLC in 2014 where they raise black angus cows. He also created the Ask Ralph podcast in 2017 where he shares valuable insights on finance, taxation, and entrepreneurship. Ralph has even hosted "Ask Ralph" show on radio platforms, enabling him to reach wider audiences with expert advice.

Ralph V. Estep Jr.'s remarkable journey exemplifies excellence, harnessing expertise across finance, taxation, technology, and entrepreneurship. He continues to make significant contributions within these fields while maintaining strong ties within both professional circles and personal life.