We Are Recommended by Dave Ramsey

Justin Winstead Agency – Endorsed by Dave Ramsey

15 years ago I was clueless when it came to how to manage my money (or myself). With horrible credit and even worse credibility, my ignorance was costing me more than I realized.  I was gifted a book, The Total Money Makeover by Dave Ramsey, which changed the trajectory of my life.  I took responsibility for my financial failures and took control of my financial future.  I have achieved what Dave refers to as “financial peace,” and I now desire to help others win with money as well.


Justin with Dave and his wife Sharon at their home in Tennessee.

Using many of Dave’s financial peace principles, our agency has built a reputation for operating with “the heart of a teacher.” We also offer The Power of Choice by shopping multiple carriers and conducting ourselves ethically. This has led to our agency being endorsed by Dave Ramsey and included in his trusted network of top pro’s.  We also earned the endorsements of Ramsey Personalities, Rachel Cruze and Chris Hogan.

For more info on what working with an ELP means for you keep reading below.


ELP’s earn Dave’s endorsement—they can’t buy it

Justin with Dave Ramsey and his daughter, Rachel Cruze, live at the Dave Ramsey show in Franklin, Tennessee.

Being an ELP isn’t easy; it’s hard work because ELP’s are held to a higher standard of excellence.

While ELP’s do pay a fee to cover website maintenance and employment costs, Dave’s endorsement is not bought—it’s earned.

Dave Ramsey has a 45-person team that interviews potential ELP’s several times and provides support to make sure your ELP provides the advice Dave would give. His team also makes sure that every ELP is someone you feel comfortable talking to and is a person you can trust.

On top of that, they evaluate the performance of all ELP’s every month to make sure they (Dave’s team) recommend you to the best agent possible. Also, every person who uses an ELP has a chance to grade them based on their personal experience through surveys we provide.

ELP’s give great customer service and are easy to understand

Dave’s team makes sure each of our ELP’s truly has the heart of a teacher, so you can trust your ELP to provide top-notch customer service. No one likes to be talked down or made to feel as if they don’t matter.

ELP’s take pride in the fact that they treat each Dave fan like a friend.

Why use a Dave Ramsey ELP Independent Insurance Agent like Justin Winstead Agency?

It’s simple actually. Choice, ethics, and professionalism.

A shocking number of people in our country grossly overpay for car, home, and many other types of insurance without even realizing it. A Dave Ramsey ELP like us, works for you, not the insurance company.

We are not limited to a single financial company’s products or plans. Independent advisors like us can search dozens of insurance products and tools from many reputable insurance companies.

And best of all, it’s absolutely free to work with a Dave Ramsey ELP independent insurance professional!  You’ll never be charged more for working with one of his pro’s.

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