I trust Fernando with all our life insurance policies in the company and the family. He is extremely concerned with the well-being of his clients, and develops practical options for asset protection and wealth creation. He is responsive and thorough, a true professional worth having in one’s corner. The life insurance policies he established for the family have served at difficult times to tide the family through hard times, and actually saved the family’s assets had it not been for the financing available through those insurance policies. This was a benefit not calculated when purchasing life insurance but was life saver nonetheless. I would strongly encourage individuals to consider whole life options with Fernando. Not just for the death benefit and tax advantages, but for the access to money when it is most needed and none are available from other means.