AGENCIES
Carlos has over 20 years of successful sales experience. He's spent the last decade in finance, insurance, real estate, and business consulting. Carlos is the author of "The Financial Fight," a book written to help folks understand and overcome the challenges of retirement. He holds insurance licenses for all major lines in Florida, Ohio, Texas, and South Carolina
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Walters Asset Protection was founded by Terry Walters and Francine Carrio-Walters with a single mission: to help families build, grow, and protect generational wealth.
With over two decades in the financial services industry, Terry has served more than 2,500 clients through private consulting and leadership in the mortgage and lending space. His experience spans retirement strategies, estate planning, tax-advantaged savings, credit restoration, real estate investing, insurance, and commercial lending—providing families with comprehensive, practical financial guidance.
Francine, founder of Walters Asset Protection, leads the firm’s educational outreach and growth. She is passionate about simplifying the wealth-building strategies traditionally reserved for the affluent and making them accessible to everyday families through financial education and community engagement.
Continuing the legacy, Tristan Carrio, has now joined the family business bringing fresh energy and a deep sense of purpose to serve the next generation. Together, Terry, Francine and Tristan represent a multigenerational team rooted in service, transparency, and a shared commitment to financial literacy, legacy building, and long-term client success.
Modern Wealth Management is a leading financial service agency catering to families and business owners. They provide personalized strategies and comprehensive solutions for clients' financial needs. Services offered include investment management, retirement planning, tax optimization, estate planning, and employee benefits for businesses. With a commitment to transparency and client-centricity, Modern Wealth Management leverages technology and industry expertise to deliver exceptional service. They are a trusted partner in helping clients achieve long-term financial success in today's dynamic landscape.
We are Jarrett and Sierra. We're a married entrepreneurial couple that focuses on building wealth together and teaching other couples how to work together in the same way – with the aim to provide them with the knowledge and resources to successfully create generational wealth for their families. We're authors, public speakers, thought leaders, and we host a podcast where we discuss the things that we’re passionate about; financial freedom, positive thinking, and healthy relationships
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Lanard & LaTisha Gibbs run a successful financial services firm, where they assist clients in obtaining and protecting a secure financial future. Their services include Million Dollar Baby Plans, Tax-Free Retirement Strategies, BYOB (Be Your Own Bank),and Creditor and Probate Protected Plans. They have worked in the industry since 2018. Your future is their focus.
Serg A. Mesa a.k.a. The Money Doctor The “Financial Facilitator” to families and corporations alike for over 26 years and counting. Serg has excelled in the Wall Street Brokerage firms, banking channels and insurance companies and uses that extensive set of skills and contacts to assist individuals just like you to live debt free, start-fund and run businesses in addition to protecting and developing income
for you now and in your retirement.
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As a Vice-President of TKO, Rubiel leads his team named BBA (Bring Back America) in Chicago, IL. BBA is committed and focused on providing no-nonsense simple life insurance solutions for Chicagoland area families and businesses. He is customer focused and has over 10 years of experience in the insurance industry with an emphasis on long-term relationship building. At no cost, he will help you find an insurance plan that best suits your personal insurance needs and budget. By educating you on all the options available, he will give you the power to compare and the freedom to choose. Give Rubiel a call today; he looks forward to helping you.
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My biggest Joy is helping my clients achieve their goals and dreams through financial planning.
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I enjoy getting to know each family I work with - Understanding who they are and what want in their future.
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Being an Insurance Broker with TKO provides me the ability to expand and grow my business while helping other agents do the same.
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As Christian and Family man, having a solid financial plan gives me comfort in knowing that my family will financially taken care of, if I was not around. Let me know show you how I can do the same thing fo you.
Let's Start planning for your future today!
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Nate Brown is the founder and CEO of Dominance Financial. He has a huge heart and is passionate about helping families to become successful & financially secure. He occasionally sponsors seminars in the community teaching financial literacy to families and children.
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As a leader and trusted confidant to many, Nate is known for his integrity & his drive amongst other professionals in the industry. He currently helps coach agents in 3 different sectors.
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Outside of business, Nate is a loving husband to his wife Tania and a proud father of his 3 beautiful daughters. He loves to be active, playing drums at his church, or seeing new sights with his family. Nate also likes to "throw down" on the grill and create memorable moments with everyone he encounters.
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"Helping people...that's just what I do!" - Nate Brown
Monique Baker is a licensed life insurance broker and professional since 2021. Monique is licensed in multiple states across the US and has many clients across the United States. Monique loves the financial services industry as she is very passionate about helping people.
Monique understands the needs of the American family when it comes to planning for insurance needs, retirement planning, tax free savings, estate planning, e- commerce, credit reparation, and a list of other financial resources. Having helped multiple clients and running an agency within an FMO, Monique Baker understands the needs of the community of all walks of life and economic status. Her focus is on the mission of helping people improve their financial literacy, gain clarity of and reach their financial goals.
Roxane Padilla has been providing insurance to people around the Chicagoland area since 2018. She has helped hundreds of clients understand and provide solutions for life insurance, retirement planning, tax free accumulation, and leveraging to help build a strong financial foundation. Roxane believes that putting her clients first and maintaining a high level of professionalism on their behalf is what makes clients eager to refer her to their family and friends. Roxane brings a high level of expertise to her clients and works diligently with them to find a plan that meets all of their concerns. Roxane's specialty lies in helping clients structure to support the future needs. Roxane is licensed in 13 states, to provider protection and solutions across the U.S.
Roxane has been married for 10 years and has three children, a daughter and two sons. She enjoys dancing and being with her family when she is not helping other families. She is a graduate of Loyola University with a Bachelors in Healthcare Management and a Masters for the University of Arizona in Public Health.
Kathryn, also affectionately known as Kat, is a devoted mother of five, including a child with unique needs. Her unwavering dedication to the service of others has been the cornerstone of her career in the healthcare industry since 2007. Kathryn's true fulfillment arises from her adeptness at nurturing and motivating individuals, arming them with the knowledge and tools for unparalleled success. With an impressive track record spanning over 15 years in both medical and insurance domains, and the support of a team boasting over 20 years of combined experience, Kathryn is resolute in her mission to help others attain the same heights of success that she has tirelessly pursued.
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Kathryn is deeply passionate about assisting seniors in navigating the complexities of healthcare, particularly in areas such as applying for prescription assistance programs, Medicaid, and tailoring Medicare plans to their unique needs. As a subject matter expert, Kathryn’s goal is to simplify the often bewildering world of insurance, ensuring seniors find comprehensive plans that not only ease their financial burden but also provide them with the best possible coverage and peace of mind.
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Cedrick Harding & Loretta Freeman
Legacy Smart Group (LSG) is a Veteran led organization founded by retired members of the U.S. Army. LSG's logo displays the image of an Elephant which Stands for Power, Loyalty, Intelligence, family and more. Our goal is to become an extended family member of a client and business owner. This is established through 3 lenses and 1 vision displayed within symbols of our logo shown as far as Health, Life, Wealth & Partnership by creating Entrepreneurship opportunities. United with the Hope Alliance (UNITED), LSG will be amongst the New Breed of Agents Nationwide with "intellectual knowledge" that is unmatched through The Kaizen Organization. There is no place like home where we help you, brand you! ~Cedrick
Juan J. Hernández and Karen Díaz are the founders of LTL Financial Group (Latinos Transformando Latinos), one of the most influential Latino-led financial agencies in the United States.
From immigrant beginnings to industry leadership, Juan and Karen have built a multi-state organization spanning 20+ states, supporting hundreds of licensed agents and serving thousands of families with protection, wealth, and legacy-focused strategies. Their agency is recognized for developing producers into true business owners with scalable systems and long-term enterprise value.
Their leadership and impact have been featured on national television and radio, including Univision, as well as in major business magazines and media outlets. Their work has earned formal recognition from city governments, state agencies, members of State Congress, and the State Senate for advancing financial education and economic empowerment.
As parents to Fabian, Adrielle, and JJ, Juan and Karen lead with faith, discipline, and a generational mindset—building agencies, leaders, and legacies that last.
Top builders. Proven leaders.
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Luz & Legacy Insurance is an independent insurance brokerage and financial consulting firm based in Arizona, founded by Walkiria Cowger and Talita Guerrero. The firm operates with a 360° advisory approach, combining education, strategy, and personalized planning to help individuals, families, and business owners build long-term financial security and legacy.
Deeply rooted in community and cultural understanding, Luz & Legacy is committed to empowering immigrant and multicultural families through clear guidance, trusted relationships, and compassionate, client-centered service.
About Walkiria Cowger
Walkiria Cowger is a Brazilian-born financial professional who began her career in the financial industry at 16. She holds an MBA and is a co-author of Prosperity DNA. Her work is driven by a passion for helping immigrant and multicultural families build security, confidence, and a meaningful legacy through financial education and thoughtful planning.
Please let me know if you need anything else from me.
Andre Parker
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I started my entrepreneurial journey in 1995 when I unconsciously created a 6-figure business but failed 2 years later because of my lack of business and financial acumen. I didn't truly start learning about money until 2012. That is when I joined a personal financial success company to learn about investing, cash flow and debt management, and business and tax strategies.
In 2015, I became a licensed financial professional. This is when I not only taught people about money and legacy, it's when I started helping them implement various investment, cash flow, debt, retirement, life insurance, and legacy transfer strategies.
My Money and Legacy was created to further educate the masses and help them finally learn how to stress less over money and become a legacy creator for their family and generations to come.
New Agency Coming Soon...
New Agency Coming Soon...