My name is Carlo Valdes. I have many years of experience working in the Insurance Industry and I’m currently an Independent Broker with The Miliare Group which allows me to do business with 50+ carriers and providers, but more importantly, the top-rated insurance companies in the industry. Fun fact about me, I competed in 2 Olympics in the sport of Bobsled: 2018 in Pyeongchang, South Korea and 2022 in Beijing, China. I retired right after the Games in China and now focusing all my attention on my business and helping clients. (We can always chat about Bobsled if you’re interested!)
During my time in the insurance industry, I have taken the initiative to understand how to properly structure and weaponize Life Insurance to build tax free wealth. Most people think that Life Insurance is just used as a defensive tool, but more and more people are realizing that it can be used as an offensive tool. They don’t teach us this in school. As an Insurance Strategist, my job is to help clients figure out a custom and effective insurance plan that fits their needs and goals. There are many different strategies that clients can utilize based on their financial landscape. One of those concepts is Infinite Banking, which is not widely used and can only work if structured properly and specifically. If this is not the right fit, there are other ways to structure a policy that will align with your goals. Permanent Life Insurance is broken down between two chassis: Whole Life and Universal Life. As you might have seen more and more on social media and other platforms, there is an ongoing debate between Whole Life and Index Universal Life and which is better. Both work very well, given the client’s circumstances, and I will help explain the main differences and benefits in our initial consultation. I also own both policies and they are both performing great.
My process includes this initial consultation to not only provide information on both Permanent Insurance solutions, but also to gain a better understanding of where you are at, financially, and where you want to go. We could get to finding solutions in the first meeting, but we will more than likely need a second, possibly third, meeting to present those solutions in order to lock in the best policy(ies) for you. Through this process, I will also want to get to know you better as a person and/or family. The most important thing for me is having a friendly relationship with my clients where it’s more than just business. I want to make anyone I sit down with comfortable and at peace knowing they have the right plan for them but also know that they can come to me for anything else they need help with, as I would like to be that resource.
