Protect the people who depend on you
Life insurance built around your family's real numbers, from a California-licensed agent who explains every option in plain language before you sign anything.
What does Ascend Financial Wellness Group do?
We help families and business owners put the right protection in place, starting with life insurance and building outward to health benefits, funding, and legal coverage as your life needs it.
Income replacement, mortgage protection, final expenses, and cash value strategies such as IUL, matched to your budget rather than a sales quota.
Cheri's background in lending means the conversation covers your household and your company together, not one product at a time.
You leave every call knowing what each option costs, what it does, and what happens if you wait. Then you decide.
Five ways to protect what you are building
Life insurance is the foundation. The rest are there when a family or a business needs the next layer.
Life Insurance
Term, whole life, and indexed universal life from an independent agent. Coverage sized to replace your income, clear the mortgage, and keep your family's plans intact.
Health Insurance
Individual and family plans, supplemental coverage, and a zero-cost employer benefit program through EHP.
Business Funding
Startup capital, revenue-based financing, real estate, and SBA loans, arranged nationwide.
Financial Consulting
401k rollovers, IUL strategies, and fixed indexed annuities for people who want growth without gambling their principal.
LegalShield Plans
A law firm on call for a flat monthly fee. Personal and small business plans through Cheri as an independent associate.
Your coverage gap in 60 seconds
Move the four sliders and watch the number most families never calculate. This is the same first pass Cheri does on a call, before any carrier or product is mentioned.
An estimate, not a quote. It leaves out savings, Social Security survivor benefits, and future college costs, which is why the real conversation matters. Final expenses are assumed at $15,000.
How working with Cheri actually goes
Three steps, no homework you cannot finish in an evening, and nothing signed until you understand it.
A 20-minute conversation
Phone or video. Who depends on you, what you owe, what you earn, and what is already in place. Cheri listens more than she talks.
Options side by side
Two or three real quotes from carriers that fit your health and budget, with the trade-offs written out. Term, permanent, or a mix.
Application to approval
Cheri handles the paperwork, schedules any exam, and follows underwriting until the policy is in your hands.
Meet Cheri Muniz
Founder and CEO of Ascend Financial Wellness Group, a California-licensed insurance agent with a background in lending.
Cheri started the practice in 2016 with one idea: financial wellness should be reachable for regular families and the small businesses they run, not just people who already have an advisor. Every strategy she recommends is meant to be intentional, structural, and built to last.
Answers people ask Cheri every week
How much life insurance do I need?
The three-number method most agents use, worked through on a real California household.
Term vs. permanent: which one is right for you?
Where term wins, where IUL or whole life earns its higher premium, and the mix many families end up with.
Business funding options for California owners
Startup, revenue-based, real estate, and SBA financing compared by speed, cost, and what you need to qualify.
Questions before you call
Most families need enough to replace 7 to 10 years of income, plus the mortgage and other debts, plus final expenses. That usually lands between 10 and 15 times annual income.
The coverage gap tool on this site walks through the math in under a minute. Cheri then checks it against your real budget and the health questions carriers will ask.
A healthy person in their 30s can often get a $500,000, 20-year term policy for roughly $25 to $45 a month. Permanent policies such as IUL or whole life cost more because they build cash value and never expire.
Your age, health, tobacco use, coverage amount, term length, and policy type drive the price. Nothing is quoted until an application is reviewed, so treat any number online as a starting point.
Term insurance covers you for a set period, usually 10, 20, or 30 years, and pays only if you die during that term. Permanent insurance (whole life, universal life, IUL) lasts your whole life and builds cash value you can borrow against.
Term is the cheapest way to cover a big need for a set time, like raising kids or paying off a mortgage. Permanent fits estate planning, business succession, and people who want a policy that is guaranteed to pay out someday.
Simplified issue policies can be approved in days. Fully underwritten policies with a medical exam usually take 3 to 6 weeks because the carrier orders records and lab results.
Cheri sets expectations up front, handles the paperwork, and follows the application through underwriting so nothing stalls.
Yes. Cheri is an independent agent, which means the recommendation is built around your health, budget, and goals rather than one carrier's product list.
Every carrier is different about health conditions, occupations, and hobbies. Comparing several is how a client with a condition still gets a fair rate.
Cheri Muniz holds a California Department of Insurance license (#0K85961). Business funding and LegalShield clients are served nationwide because those programs are not insurance products.
If you live outside California, ask. Cheri will tell you whether she can help or refer you to someone who can.
The initial consultation is free. Insurance agents are paid by the carrier when a policy is issued, so you never write a check for the advice.
Business funding and LegalShield reviews are also free to start. If a program carries a fee, it is explained in writing before anything is signed.
Call (916) 597-0314 or send the short form on the contact page. Cheri or her team will call or email you back to set a time.
Come with a rough idea of your monthly budget, any existing policies, and the people you want protected. Everything else can be worked out on the call.
It is an employer-sponsored health benefit program offered through EHP (The Employer's Choice) that uses existing tax provisions so a business can add benefits for employees without a new line item on the budget.
It is not a replacement for major medical insurance. It works alongside a group plan or as a first benefit for employers who have none. Eligibility depends on payroll structure, so a short review is the first step.
Startup funding, revenue-based financing, real estate lending, and SBA loans are the main categories, arranged through America's Funding Experts and National Corporate Credit.
The right option depends on time in business, revenue, credit, and what the money is for. A quick intake shows which programs you could realistically qualify for before anyone pulls credit.
A LegalShield membership gives you a dedicated provider law firm for a flat monthly fee. Personal plans cover consultations, letters and calls on your behalf, document review, will preparation, and traffic matters.
Small business plans add contract and document review, debt collection letters, and consultations on business questions. Cheri is an independent associate and can enroll you directly.
Cheri Muniz is the founder and CEO of Ascend Financial Wellness Group, a California-licensed insurance agent, and a business consultant based in Roseville, California. She started the practice in 2016.
The business is BBB Accredited with an A+ rating and is woman and veteran-owned. Her background in lending shapes how she looks at a family's or a company's whole picture.
Start with a conversation, not a quote form
Twenty minutes with Cheri is enough to know what your family needs and roughly what it costs. No pressure, no obligation, and no jargon.