Five services, one conversation
Life insurance is where most clients start. The other four are there when a family or a business needs the next layer, and Cheri sees all five together instead of selling them one at a time.
Every service begins the same way: a free call, your real numbers, and the options explained before anything is signed. Insurance products are placed through licensed carriers. Funding, the employer health program, and LegalShield plans come through partner companies Cheri works with directly.
Which service do you need first?
If anyone depends on your income, start with life insurance. If you own a business, start with whichever problem is costing you money this month, and the rest follows.
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
Covered California and off-exchange plans, supplemental accident and critical illness coverage, and a zero-cost employer benefit program through EHP.
Business Funding
Startup capital, revenue-based financing, real estate lending, and SBA loans, arranged nationwide through America's Funding Experts.
Financial Consulting
401k rollovers, IUL strategies, and fixed indexed annuities for people who want growth without gambling their principal.
LegalShield Plans
A provider law firm on call for a flat monthly fee. Personal and small business plans through Cheri as an independent associate.
Why the five belong under one roof
A business owner's life insurance, loan, health benefit, and contract review are all pieces of the same picture. Handling them separately is how gaps open up.
- SBA lenders often require life insurance on the owner, so funding and coverage get arranged together.
- An old 401k and a new life policy are two halves of one retirement conversation.
- An employer health benefit and a LegalShield business plan are both ways to keep a small team without adding a big cost.
Not sure where to start? Start with a call
Twenty minutes with Cheri is enough to know which service you need first and roughly what it costs. No pressure and no obligation.