Mani Hatami is a financial educator, author, and founder of Zenith Financial Group in Los Angeles. After arriving in the U.S. as an immigrant, he experienced firsthand the confusion and challenges of navigating the American credit system - a system no one explained but everyone expected him to master. Determined to help others avoid the same mistakes, Mani became a credit consultant and has helped thousands of clients build, repair, and understand their credit. He's known for breaking down complex financial topics into simple, human language that anyone can understand. Through radio shows, workshops, and his bestselling books like Everything You Need to Know About Credit and Credit for a New Life, Mani empowers immigrants and underserved communities to take control of their financial futures. When he's not teaching or consulting, Mani is building tools that make credit and money management more accessible to everyone.