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One hour.
Your actual numbers.
A straight answer.
Every engagement starts the same way: an hour on what you have, what you want, and whether the two line up. Nothing gets recommended in it, and nothing is expected of you when it ends. Tell us what's on your mind below and Ismael will find a time that works.
What the hour gets you
You walk out with four things.
01
Your full picture, on one page.
Every policy, contract, and account you bring, read plainly: what each one pays, what it costs, and what it's actually doing.
02
The gaps, named and sized.
Where something is missing or no longer fits, you'll know what it is and roughly what addressing it involves.
03
The order to take things in.
Not everything needs attention at once. You'll know what's first, what's second, and what can wait.
04
A straight answer, including "leave it alone."
Some of what you own is probably doing its job. When that's the whole story, that's the answer you'll get, and the hour still ends with you knowing more than you did.
What happens after you submit
1.
Ismael calls you. Not an assistant, not a call center. The person you'll be working with is the person who calls.
2.
You pick the place. Either a video call or at our office at Venture X.
3.
You bring what you can find. Policy pages, statements, an annuity contract, or nothing at all. Missing paperwork has never stopped a first conversation.
4.
You get the hour. Mostly questions about your life, then a plain reading of what you brought. Nothing gets recommended that hasn't been explained.
5.
You decide what's next. Or you decide nothing. Both are normal ways for the hour to end.
Request your hour
Making financial decisions can be challenging without the right information. If you have questions or want to review your current retirement strategy, please reach out to us using the form below.
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Please do not include sensitive personal information (such as account numbers or Social Security numbers) in this form.
Frequently Asked Questions
Does the first hour cost anything?
No. There's no charge and no obligation attached to it. You can take what you learn and do nothing with it, and some people do exactly that.
How is Ismael paid?
By commission from the insurance company, when and if a product is placed. Not by fees on your accounts, but not by the hour. That means the first conversation costs you nothing, and it means you should ask this question of anyone in this business. You'll always get a plain answer to it here.
Do I have to move my money to work with him?
No. Much of the work is reading what you already own and telling you whether it still fits. When something new does make sense, you'll see the trade-offs before you decide, and the pace is yours.
What if I already work with a financial professional?
That's common, and it doesn't have to change. Advisors typically manage investments. This practice works on the insurance side: annuities, life insurance, and how they fit what you're trying to do. Plenty of people keep both, and the two should know about each other.
Is there a minimum amount I need to have?
No. The work is about what you're trying to get done, not the size of what you bring. If what you need is an hour and one straight answer, that's a fine use of the hour.
What should I bring?
Whatever you can put your hands on policy declaration pages, account or plan statements, an annuity contract, anything an insurance company has mailed you. If you can't find something, come anyway. The paperwork can catch up.
