Intentional. Structural. Built to last.
Cheri Muniz started Ascend Financial Wellness Group in 2016 so that families and small businesses in the Sacramento region could get the kind of financial protection that used to require a private advisor.
Who is Cheri Muniz?
Cheri is the founder and CEO of Ascend Financial Wellness Group, a California-licensed life and health insurance agent, and a business consultant based in Roseville, California.
Before insurance, she spent years on the lending side of the table. That experience is why a conversation with Cheri rarely stops at a single policy. She looks at the mortgage, the business loan, the health benefits, and the legal exposure together, because that is how a family actually experiences them.
The practice is BBB Accredited with an A+ rating and is woman and veteran-owned. Cheri's guiding principle is simple: treat others as you would like to be treated. In practice that means telling a client when they do not need a product as readily as when they do.
- California Department of Insurance license #0K85961, life and health
- Founded April 2016, BBB Accredited since 2022, A+ rating
- Independent LegalShield associate and EHP health benefits partner
- Business funding through America's Funding Experts and National Corporate Credit
What "Ascend Wealth Architecture" means
It is the name Cheri gives to the order of operations she uses with every client. Protection first, then growth, then the legal and business layers that keep it all standing.
Foundation
Life insurance sized to replace income and clear debt. Health coverage that keeps one diagnosis from becoming a financial event.
Growth
401k rollovers, IUL cash value, and fixed indexed annuities for money that needs to grow without being exposed to a bad year.
Structure
Funding to grow the business, LegalShield to protect it, and employee benefits that help keep good people.
Rooted in Roseville, working statewide
The practice is based in Roseville, in the Sacramento region, and serves California families by phone and video. Business funding and LegalShield clients come from across the country.
Meetings are by appointment, and most of the work happens over a call with documents signed electronically. If you prefer to sit across a table, that can be arranged locally.
Questions about Cheri
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 practice is based in Roseville, California, in the Sacramento region, and works with clients across the state by phone and video.
Meetings are by appointment. Most consultations happen over the phone or on a video call so you can review documents from home.
Cheri is a licensed insurance agent, not a registered investment advisor. She can recommend and place insurance-based products such as life insurance, IUL, and fixed indexed annuities, and connect you with funding and legal partners.
For securities, tax filing, or legal advice she will point you to the right licensed professional rather than stretch beyond her license.
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.
Yes. Health and financial details are used only to prepare quotes and applications and are shared only with the carriers or partners you choose to apply with.
See the privacy page for the full policy on what is collected and how it is handled.
Talk with Cheri this week
Twenty minutes, no obligation, and a clear answer about what your family or business should have in place.