Business
Ronnie Gauthier: High Reward Through High Risk

Ronnie Gauthier currently holds a Master’s degree in Psychology; however, she is currently the head – along with her husband Jay – of a fast-growing entrepreneurship-focused team that works with around 150 financial agents nationwide. Gauthier has always been an advocate for the idea of taking big risks or a leap of faith when one feels as though they are stuck in a rut. Ronnie and her husband’s firm are examples of this mindset.
Raised in South El Monte, California, Ronnie credits being raised by her grandmother as one of the most influential parts of her story. “She taught me that with faith, a positive mindset, and an amazing work ethic, you can do what you want in life,” she reflects. Gauthier has kept these morals close to her heart while building her career over the past decade. With their organization, Ronnie and Jay Gauthier spend their time helping everyday people with their individual situations. They also train those working toward becoming licensed agents. On the training side of her job, Ronnie stated, “I am passionate about being able to coach and be a consultant to others who are trying to become successful in the financial industry.”
The most important part to Ronnie, personally, has been the personal growth and what she has learned through her mistakes. “It can feel at times like you are tearing yourself apart to build yourself up,” Gauthier comments. “It’s a very uncomfortable feeling, but it’s part of the process when you are trying to succeed.”
You can check out Ronnie’s personal Instagram here.
Business
Derik Fay and the Quiet Rise of a Fintech Dynasty: How a Relentless Visionary is Redefining the Future of Payments

Long before the headlines, before the Forbes features, and well before he became a respected fixture in boardrooms across the country, Derik Fay was a kid from Westerly, Rhode Island with little more than grit and audacity. Now, with a strategic footprint spanning more than 40 companies—including holdings in media, construction, real estate, pharma, fitness, and fintech—Fay’s influence is as diversified as it is deliberate. And his most recent move may be his boldest yet: the acquisition and co-ownership of Tycoon Payments, a fintech venture poised to disrupt an industry built on middlemen and outdated rules.
Where many entrepreneurs chase headlines, Fay chases legacy.
Rebuilding the Foundation of Fintech
In the saturated space of payment processors, Fay didn’t just want another transactional brand. He saw a broken system—one that labeled too many businesses as “high-risk,” denied them access, and overcharged them into silence. Tycoon Payments, under his stewardship, is rewriting that narrative from the ground up.
Instead of the all-too-common “fake processor” model, where companies act as brokers rather than actual underwriters, Tycoon Payments is being engineered to own the rails—integrating direct banking partnerships, custom risk modeling, and flexible support for underserved industries.
“Disruption isn’t about being loud,” Fay said in a private strategy session with advisors. “It’s about fixing what’s been ignored for too long. I don’t chase waves—I build the coastline.”
Quiet Power, Strategic Depth
Now 46 years old, Fay has evolved from scrappy gym owner to an empire builder, founding 3F Management as a private equity and venture vehicle to scale fast-growth businesses with staying power. His portfolio includes names like Bare Knuckle Fighting Championships, BIGG Pharma, Results Roofing, FayMs Films, and SalonPlex—but also dozens of companies that never make headlines. That’s by design.
Where others seek followers, Fay builds founders. Where most celebrate their exits, Fay reinvests in people.
While he often deflects conversations around his personal wealth, analysts estimate his net worth to exceed $100 million, with some placing it comfortably over $250 million, based on exits, real estate holdings, and the trajectory of his current ventures.
Yet unlike others in his tax bracket, Fay still answers cold DMs. He mentors rising entrepreneurs without cameras rolling. And he shows up—not just with capital, but with conviction.
A Mogul Grounded in Real Life
Outside of business, Fay remains committed to his role as a father and partner. He shares two daughters, Sophia Elena Fay and Isabella Roslyn Fay, and has been in a relationship with Shandra Phillips since 2021. He’s known for keeping his personal life private, but those close to him speak of a man who brings the same intention to parenting as he does to scaling multimillion-dollar ventures—focused, present, and consistent.
His physical stature—standing at 6′1″—matches his professional gravitas, but what’s more striking is his ability to operate with both discipline and empathy. Fay’s reputation among founders and CEOs is not just one of capital deployment, but emotional intelligence. As one partner noted, “He’s the kind of guy who will break down your pitch—and rebuild your belief in yourself in the same breath.”
The Tycoon Blueprint
The playbook Fay is writing at Tycoon Payments doesn’t just threaten incumbents—it reinvents the infrastructure. This isn’t another “fintech startup” with a flashy brand and no backend. It’s a strategically positioned venture with real underwriting power, cross-border ambitions, and a founder who understands how to scale quietly until the entire industry has to take notice.
In an age where so many entrepreneurs rely on noise and virality to build influence, Fay remains a master of what can only be called elite stealth. He doesn’t need the spotlight. But his impact casts a long shadow.
Conclusion: The Empire Expands
From Rhode Island beginnings to venture boardrooms, from gym owner to fintech force, Derik Fay continues to build not just businesses—but a blueprint. One rooted in resilience, innovation, and long-term infrastructure.
Tycoon Payments may be the latest chess piece. But the game he’s playing is bigger than one move. It’s a long game of strategic leverage, intentional legacy, and generational wealth.
And Fay is not just playing it. He’s redefining the rules.
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