Life Insurance Consulting
Term, whole, and indexed universal, explained clearly. We help you choose what your family actually needs, and which products to skip.
Read moreIndependent financial consulting · Hialeah, FL
Plain advice on insurance and small-business finance.
Independent consulting for families and small businesses in South Florida. Three services, one conversation: what you need protected, when, and on what budget.
Book a 30-minute call
Thirty minutes. No obligation. English or Spanish.
Three services. Two languages. One conversation.
What we do
Three services, each starting from the same conversation.
We listen first, then explain what your options are and what we'd recommend. You decide what to do. Nothing on this site is a sales pitch.
Health Insurance Consulting
Marketplace, employer, and supplemental coverage. We help you pick a plan that matches how you and your family actually use care.
Read moreBusiness Financial Consulting
For owner-operators and small partnerships. Practical guidance on cash flow, retirement, and key-person planning.
Read more
Security product
Tamper-evident tape that makes opening visible.
High-visibility red security tape that leaves a permanent residue when removed. Its writable surface and concealed IMELCF message help document handling and reveal unauthorized access.
- Material
- 50-micron BOPP
- Available widths
- 40 mm and 50.8 mm
- Roll length
- 50 metres
Handling equipment
Pallet trucks, manual and electric.
Hilt pallet trucks for warehouse and dock work: the hand-pumped DF30 rated for 3,000 kg, and the walk-behind electric TE220 with a lithium battery and integrated side shifter.
- Models
- DF30 manual · TE220 electric
- Capacity
- 3,000 kg / 2,000 kg
- Drive
- Hand-pumped / brushless AC, lithium
Warehouse equipment
An electric forklift, delivered ready to work.
Sit-down counterbalance forklift from HILT with a triplex free-lift mast. Each unit arrives with its charger, on-site installation, and a mounted HTX-522 fire extinguisher.
- Capacity
- 2.5 tonnes at 500 mm
- Battery
- 80 V / 456 Ah lithium
- Mast
- Triplex, 4,030 mm lift
Rescue equipment
A 1,000-lumen light built for water and impact.
Head-worn and helmet-mountable rescue light with a red and blue signal mode, an IP68-rated ABS body, and a 4,800 mAh lithium cell that runs up to 18 hours on low.
- Output
- 1,000 lm, white
- Protection
- IP68, submersible
- Runtime
- 6–18 hours by mode
Rescue equipment
A rescue helmet that floats on its own.
Brimless ABS helmet for swiftwater rescue, certified to EN 1385:2012. Integrated ear protection, 11 vents that drain as they ventilate, and one-handed sizing from 52 to 62 cm.
- Standard
- EN 1385:2012
- Size range
- 52–62 cm, one-handed dial
- Weight
- 500 g or less
How we work
Listen, summarize, decide.
-
I.
A 30-minute call
We listen. We ask what you have, what you don't, and what you'd like to figure out. No pitch, no commitment.
-
II.
A short written summary
What we'd recommend, what we wouldn't, and why. In plain English. Yours to keep, whether you work with us or not.
-
III.
You decide
If we're a fit, we keep working. If not, the summary is still yours. We never pressure.
Common questions
Before you book.
What does the 30-minute call cover?
We start by listening. You tell us your situation, your concerns, and what you'd like to figure out. We ask the questions that help us understand what you have, what you don't, and what your priorities are. By the end, you'll have a clearer picture of your options. If you'd like to keep working together, we'll outline next steps. If not, that's fine.
Is there a fee for the first call?
No. The first thirty-minute call is free, with no obligation.
Do I need to bring anything?
It helps if you have any current policies, statements, or coverage documents handy, but it isn't required. We're happy to start with general questions and gather paperwork later.
Will I be pressured to buy something?
No. The first call is for us to understand your situation, not to sell you a product. If we recommend something later, you'll have time to think about it. We don't use timers, scarcity tactics, or high-pressure scripts.
Do you work with Spanish speakers?
Yes. We're a bilingual office. The call can be in English or Spanish, whichever you prefer. Just let us know when you book.
In person, remote, or both?
Both. We meet clients in our Hialeah office and over Zoom. Many clients start remote and visit the office only if needed.
When you're ready,
we'll listen first.
Book a 30-minute call
Thirty minutes. No obligation. English or Spanish.