From SP

Working with Paul completely shifted how I think about travel—but more importantly, how I manage our finances overall. What started as a conversation about points and premium travel became a foundation for greater clarity, structure, and intentional decision-making.

The biggest impact for me was getting organized—understanding our spending, reducing unnecessary recurring expenses, and building a clear budget and forecast. It also prompted us to take a closer look at our broader financial picture, from underperforming savings accounts to real estate, to ensure our money is actually working for us.

That foundation is what makes the points strategy effective. When you’re managing multiple cards, you need to be on top of cash flow, timing, and expenses—what’s on the cards simply becomes a reflection of a well-planned system. It also shifted our mindset from “can we afford this?” to “was this planned, and is this the right time?”—a change that’s had an impact far beyond travel.

With his guidance, we confidently switched both personal and business cards and eliminated unnecessary fees, but those wins were really a byproduct of having the right structure in place.

What I appreciate most is his approach: thoughtful, practical, and sustainable. The travel and points are exciting, but they’re truly the icing on the cake—the real value is building a financial foundation that supports the lifestyle you actually want.

From DV

Working with True Course Advisors has been a total game changer for us! Before connecting with him, we tried to be smart about our credit cards but knew we were leaving value on the table. We had no clear system, and it all felt more complicated than it needed to be.

Paul completely reframed the way we think about points and travel. He helped us simplify everything, focus only on what actually matters, and build a system that fits seamlessly into our everyday lives. While maxing out points is a huge win, it’s also about doing it in a way that’s easy to manage and sustainable long-term, which is exactly what we needed.

Paul is practical, thoughtful, and tailored his approach. There’s no unnecessary complexity, just a clear, actionable plan that works.

We haven’t booked our first “all points” trip yet, but for the first time, we feel confident and excited about what’s possible. We’re already looking forward to going all out on our next international adventure, knowing we have the right strategy in place thanks to Paul.

If you’ve been meaning to get smarter about your credit cards and travel strategies but don’t know where to start, Paul is absolutely the person to talk to!

-DV