Dime Rise Financial — Financial Literacy & Wellness
Welcome toDime Rise™
Financial Literacy is a growing necessary skillset — for K-12 schools, individuals, colleges, universities, businesses, and communities of all sizes.
About the Company
Who We Are
Dime Rise™ is a financial education and wellness company dedicated to helping individuals, families, students, professionals, and organizations develop stronger financial knowledge and healthier financial habits. The company believes that financial literacy and personal well-being are deeply interconnected.
Founded and led by Dr. Nicole Munhoo, a Certified Financial Education Instructor (CFEI®) with more than 21 years of experience in education, leadership, and business development, Dime Rise™ provides financial education programs tailored to different age groups and life stages. Its audiences include children, students, college learners, families, working professionals, small businesses, large companies, and retirees.
The company covers a broad range of financial topics, including budgeting, saving, credit management, debt reduction, annuities, homeownership, life insurance, emergency funds, education planning, e-commerce, and legacy planning. Its services are delivered through training programs, seminars, webinars, consultations, and self-paced online courses supported by a curriculum certified by the National Financial Educators Council.
Based in Maryland and serving the New York Tri-State and Washington, DC Metropolitan areas, Dime Rise™ also reaches individuals and organizations across the United States and Canada through its professional network, financial services, financial products, financial and wellness SaaS, and digital learning platforms.
Normalizing Financial Literacy and Well-Being as Interfused.
Mission of Dime Rise™
Business to Business&Business to Consumer
Solutions Built for Every Stage of Your Financial Journey
Whether you are looking to erase debt, start a consistent savings plan, master the basics of personal finance, enhance your financial literacy level, or learn about new annuity and life, accident, or health insurance products available — we offer a range of programs designed to guide you every step of the way.
What We Provide
Our Core Offerings
Business to Business
Financial wellness programs, workshops, and educational resources designed to support employees, teams, and organizations. Group health insurance and HR & Benefits solutions for employers are also available through licensed services. Financial and wellness SaaS solutions are also offered to help businesses integrate financial well-being tools — including HR and benefits administration — into their operations. Dime Rise also offers business funding solutions, connecting clients with flexible financing options — including lines of credit, merchant cash advances, SBA loans, and more — through our partnership with REIL Capital.
Insurance Solutions
Dr. Nicole Munhoo, Founder & CEO of Dime Rise™, offers Life, Accident, Cancer, Critical Illness, Long-Term Care, Vision, and Dental Insurance through licensed services.
Complimentary Notary Services
Dime Rise™ customers receive complimentary notary services for added convenience and support.
Business to Consumer
Personalized financial education and guidance to help individuals and families manage money, reduce debt, understand insurance, and prepare for the future.
Insurance Foundations
Learn the basics of insurance and make informed decisions. Connect with licensed agents for personalized coverage.
Budgeting & Debt Management
Build realistic budgets and strategies to pay off debt faster.
Dr. Nicole Munhoo
Founder & CEO of Dime Rise™
DR. NICOLE MUNHOO
"Taking a creative approach to business — from the artistic stage to the boardroom."
Beginning her career as a classical performing artist, Dr. Nicole Munhoo brings a creative, non-traditional perspective to financial education and business leadership. With over 21 years of experience, she has dedicated her career to empowering individuals and communities through transformative financial education.
She holds a B.S. in Organizational Management, an MBA in Project Management, and a Doctor of Education in Higher Education Leadership — completed Summa Cum Laude from Saint Peter's University.
Her dissertation: "A Qualitative Research Study on the Perceptions of Financial Literacy and Financial Well-Being of Students Using Loans at Colleges and Universities in New Jersey."
Professional Licensing
Licensed Producer — Life, Accident & Health Insurance
Acquired Finance & Insurance Trainings & Certifications
Whether you are looking to erase debt, start a consistent savings plan, master the basics of personal finance, enhance your financial literacy level, or learn about new annuity and life, accident, or health insurance products available — we offer a range of programs designed to guide you every step of the way.
Schedule a MeetingRead. Learn. Grow.
Practical books spanning financial literacy and faith-based leadership — written to empower every stage of your journey.
Financial Education
The Price of a Dream
Rethinking Financial Education
Christian Leadership
Cultivating Leaders
A Practice of Christian Discipleship
Financial Education
For Everyone
We serve a large community of learners — professionals, families, students, and individuals at every stage of life.
Empowering. Transformative.
Financial literacy for children ages 0–18, college students, working professionals, and retirees.
21+
Years of Experience
16
Education Topics
All Ages
Age Range Served
CFEI®
Certified Instructor
Watch Dr. Nicole's Oral Defense
A Qualitative Research Study on the Perceptions of Financial Literacy and Financial Well-Being of Students Using Loans at Colleges and Universities in New Jersey.
Trusted Partners
We Work With
Dime Rise™ collaborates with leading organizations to deliver transformative financial education across communities.
JustNIL
Empowering student athletes, artists, musicians, dancers, and creators with NIL opportunities and financial literacy — because value is not limited to the field.
National Financial Educators Council
The leading provider of financial education certifications and curriculum.
AFLAC Insurance Company
Supplemental health insurance providing coverage for circumstances not covered by standard health policies — including accident, critical illness, hospital confinement, and more.
World Financial Group
Offering life insurance and annuities to help individuals and families build financial independence, protect their loved ones, and plan for a secure future.
Business Capital
For Every Stage of Growth
REIL Capital is a New York-based business financing firm offering a full suite of funding solutions — from merchant cash advances and lines of credit to SBA loans and asset-based financing. Dime Rise clients can apply directly through our exclusive referral link.
ExclusiveApply Now — Dime Rise ReferralHeadquartered in New York · Financing businesses nationwide
reilcap.com →
Smarter Spending.
Faster Savings.
Ramp is a modern corporate card and spend management platform available through Dime Rise™. Automate expense reports, earn cashback, and get real-time visibility into every dollar your business spends.
Featured Partner
SmartCredit
Know Your Credit.
Own Your Future.
Dr. Nicole integrates credit education into her financial literacy curriculum because understanding your credit is one of the most impactful steps toward long-term financial freedom. SmartCredit makes that process accessible, clear, and actionable.
- Monitor all three credit bureau scores
- Real-time credit alerts & notifications
- Personalized action plans to improve your score
- Identity theft protection & dark web monitoring
- Financial tools to track your overall well-being
3 Bureaus
Equifax, Experian & TransUnion monitored
Real-Time
Instant alerts on score changes
Dark Web
Identity theft & breach monitoring
Action Plan
Personalized steps to raise your score
Start monitoring your credit today →
Signing up through our link supports Dr. Nicole's mission — at no extra cost to you.
Benefits That Work
For Every Employee.
Through Dime Rise™, businesses of all sizes can access Wex Health's comprehensive benefits platform — including HSAs, HRAs, FSAs, LSAs, and COBRA administration — helping employees maximize their health dollars and financial well-being.
Smarter HR.
Happier Teams.
Through Dime Rise™, businesses gain access to WebHR — a powerful, cloud-based HR platform that streamlines every stage of the employee lifecycle, from hiring and onboarding to payroll, performance reviews, and people analytics.
- Hiring, onboarding & applicant tracking
- Payroll processing & compliance management
- Performance reviews & goal tracking
- Time & attendance with leave management
- People analytics & HR reporting dashboards
- Employee self-service portal
Get Licensed.
Build Your Career.
Dime Rise™ partners with Kaplan Financial Education — the nation's leading provider of insurance and securities licensing exam prep — to help aspiring professionals pass their licensing exams and launch careers in financial services.
Service Area
Proudly Serving the New York Tri-State Area & Washington, DC Metro Area
Dime Rise™ is rooted in the New York Tri-State area and the Washington, DC Metro area, delivering hands-on financial education to individuals, families, and organizations across these communities. Through our network of affiliations and partnership organizations, we are committed to reaching anyone across the United States and Canada who is ready to take control of their financial future.
NFEC Certified Financial Education Instructor & Advocate
Dr. Nicole Munhoo is a recognized financial literacy advocate as a Certified Financial Education Instructor (CFEI®) through the National Financial Educators Council. Her profile and advocacy work are featured directly on the NFEC website.
View Dr. Nicole's NFEC Advocate Profile
New York Foundling
Proud Annual Supporter
Supporting Adoption & Foster Care
Dime Rise™ is proud to support the New York Foundling through annual philanthropy and donations. The New York Foundling is one of New York's oldest and most respected nonprofits, dedicated to providing children in foster care and adoption with the stability, support, and opportunity they deserve. We believe that financial empowerment and community care go hand in hand — and giving back is at the heart of everything we do.
Dr. Nicole Munhoo is a passionate advocate for financial literacy among foster youth aging out of the system at age 18, as well as for adoptees — both in childhood and adulthood. She champions access to financial education as a critical resource for young people navigating life's transitions without a traditional safety net.
Dr. Nicole's commitment to this cause is deeply personal — she was herself an infant adoptee of the New York Foundling. She has remained a lifelong advocate for the greater purpose of providing safe homes, resources, healthcare, education, and safety for adoptees and foster youth. Read Dr. Nicole's adoption story on the NY Foundling website →
Safe Homes
Stable placements for children in need
Education
Financial literacy for foster youth
Family Support
Strengthening families & communities
Lifelong Advocacy
Resources for adoptees at every age
We encourage our community to join us in supporting this important cause. Every contribution helps provide children in foster care and adoption with a brighter future. You can give directly at nyfoundling.org/donate-online.
Offering Customized Financial Education
A customized curriculum for children ages 0–18, college students, adult learners, mid-career professionals, and retirees.
Basics of Banking
Life, Accident & Health Insurance
Retirement Planning
CFEI Certified Financial Education Instructor Curriculum
Children & Family Financial Preparedness
College Planning for Students & Families
Homeownership
Investments
Debt Management
Budgeting
Savings
Emergency Fund Strategies
Family Vacation Budgeting
Financial Mathematics
Ecommerce
Estate Planning
Learn Financial Literacy
at Your Own Pace
Dime Rise™ offers the eVolve Financial Literacy Course through our dedicated learning platform — built for students, families, and professionals who are ready to take control of their financial future.
Comprehensive Curriculum
Structured financial literacy courses covering budgeting, savings, investing, and more.
NFEC Certified
Courses developed in partnership with the National Financial Educators Council.
All Ages Welcome
Programs designed for K–18 students, college learners, professionals, and retirees.
Learn Online
Flexible, self-paced online learning accessible from anywhere at any time.
FREE FINANCIAL
LITERACY ASSESSMENTS
Complimentary assessments completed by over 170,000 people nationwide — for self-assessment, pre/post-testing, or benchmarking your financial knowledge.
individuals have completed a free financial literacy assessment nationwide
free financial literacy tests covering topics from budgeting to retirement planning
◈ Featured Assessments
National Financial Capability Test
30 questions on financial literacy & income generation. Taken by over 100,000 people from high school through adulthood.
Advanced Financial Education Test
Advanced topics: loan payments, inflation, risk-based pricing, FICO scoring, and investments. For high school students and adults.
Financial Foundation Decisions Test
8 questions on entry-level decisions — buying a car, renting, college affordability, credit cards, and loan terms.
Student Loan Test
12 questions on loan qualification, repayment, loan sources, and consequences of default. Essential for every college-bound student.
Topic-Based Tests
10 subjects* Tests are provided by the NFEC and may only be taken on the NFEC website. Results delivered via email immediately after completion.
eVolve Financial
Literacy Course
Browse courses, enroll, and begin your financial education journey with Dr. Nicole Munhoo — on our dedicated learning platform.
Evolve Financial
Literacy Full Course
A comprehensive, self-paced program designed to transform how you think about, manage, and grow your money — built on 21+ years of real-world expertise.
Everything You Need to Build Financial Confidence
Walk through the essential pillars of financial literacy — from budgeting and saving to investing and financial well-being. Complete it on your schedule.
- On Demand — start anytime
- Fully online, learn from anywhere
- Complete in 3–4 months at your own pace
- NFEC Certified curriculum
Scan to Enroll & Pay
Points to the secure Square payment page
Interested in the Evolve Financial Literacy Course?
Fill out the form below and Dr. Nicole will reach out to you personally with enrollment details and answers to any questions you may have.
E-Commerce & Smart Shopping
Shop Smart.
Sell Smarter.
Dr. Nicole Munhoo encourages smart shopping as a cornerstone of financial well-being. Through her financial literacy curriculum, she teaches the value of e-commerce, thrifting, and reselling as practical tools for building financial stability and reducing unnecessary spending.
Dr. Nicole currently holds a Trader's License in Maryland and operates her own eBay store — offering pre-owned and new items at reasonable prices, modeling the very principles she teaches.
Smart Shopping
Learn how to make intentional purchasing decisions that align with your financial goals and budget.
Thrifting & Reselling
Discover how thrifting and reselling can build income streams and stretch every dollar further.
Ecommerce Education
Understand the fundamentals of buying and selling online as a practical financial literacy skill.
State of Maryland
Maryland Trader's License
Dr. Nicole is an officially licensed trader in the State of Maryland — bringing verified credibility, legal standing, and real-world experience to every lesson on ecommerce and reselling.
Dr. Nicole's eBay Store
Pre-Owned & New Items
at Reasonable Prices
A living example of smart reselling and ecommerce in action.
ebay.us/m/zbwndw→Shop Our Stores
Dr. Nicole's eBay Store
Pre-Owned & New Items
at Reasonable Prices
Browse Dr. Nicole's curated eBay store — a living example of smart reselling and ecommerce in action. New and pre-owned items at prices that make sense for your budget.
Dime Rise™ Shop
Natural Soaps &
Whole Bean Coffee ☕🧼
Each product carries an inspirational message designed to promote wellness, happiness, and peace. Shop flavors, scents, and expressions that uplift.
Online Thrift Store
Shop Dime Rise
on ThredUP 👗✨
Quality pre-owned clothing at affordable prices. Shopping secondhand is one of the smartest ways to stretch your dollar and reduce waste — Dr. Nicole leads by example.
Dr. Nicole's Free
Financial Education Podcast
Conversations on careers, financial literacy, and building lasting Well-Being in the workplace and beyond. Completely free — because financial education should be accessible to everyone.
What is Workplace Bullying?
Dr. Nicole explores how workplace bullying impacts careers, income stability, and long-term financial health.
Listen on SpotifyWhy Did I Choose Financial Literacy as a Dissertation Topic?
The personal journey and academic motivation behind choosing financial literacy as the focus of her doctoral dissertation.
Listen on SpotifyOrganizing Emergency Funds for Various Purposes
How to strategically organize emergency funds for different life purposes — from job loss to medical expenses.
Listen on SpotifyPregnancy Discrimination Overview
Employee rights, legal protections, and the financial impact discrimination can have on working parents and families.
Listen on SpotifyHomelessness Amongst the Educated
The financial, systemic, and social factors that contribute to housing instability even among degree holders.
Listen on SpotifyMore Episodes
New conversations on financial literacy, well-being, and empowerment.
View all on SpotifyContact Us
We'd love to hear from you. Reach out any time — Dr. Nicole responds personally.
Phone
(240) 241-9899Email
[email protected]Location
18310 Montgomery Village Ave.Suite 300, Office G-35Gaithersburg, MD 20879Hours
By Appointment (Mon–Sun)
Evening and weekend times available for meetings, conferences, seminars, webinars, workshops, training sessions and consultations.