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Meet Our Team
At the heart of our organization is a dedicated team of professionals who share a passion for excellence, integrity, and service. Each team member brings a wealth of experience and a personal commitment to supporting our agents, clients, and partners. Together, we strive to create a culture built on honesty, professionalism, and growth.
Joel & Suesean Ruiz
Founder
Joel and Suesean Ruiz are the founders and visionaries behind our organization. With a combined background spanning real estate, mortgage services, restaurant ownership, and financial strategies for retirement and life insurance retirement plans, they bring decades of experience and leadership to the company.
For over 18 years, they have been dedicated to serving clients with honesty, transparency, and integrity. Married for more than 20 years and proud parents of a high school–aged son, their family values and commitment to excellence are reflected in every aspect of the business. Joel and Suesean’s mission is to empower others to achieve success while maintaining the highest ethical standards.
Christopher & Stephanie Hernandez
Co-Founders
Christopher and Stephanie Hernandez are accomplished entrepreneurs and financial professionals who bring over 15 years of leadership experience in life insurance retirement plans and financial strategies for retirement to our organization. Married for 15 years, their partnership is rooted in faith, integrity, and a shared commitment to helping others succeed.
Their professional journey began in retail business ownership and evolved into leadership roles within the financial services industry, where they have developed programs and training initiatives to empower others. Their dedication to excellence, guided by strong values and faith, continues to inspire our entire team.
Teresa Sandoval
Relationship Manager
As our Relationship Manager, Teresa Sandoval combines professionalism with a strong background in life insurance retirement plans and financial strategies for retirement. With over 15 years of experience in real estate and mortgage lending, she understands the importance of communication, accuracy, and client care.
Although new to the insurance field, Teresa’s dedication to learning and growth, coupled with her commitment to providing exceptional customer service, make her an integral part of our team. She is passionate about building lasting relationships and supporting both clients and agents with excellence.
Eva Contreras
New Business Department Manager
Eva Contreras is a seasoned and highly respected licensed agent with over 18 years of experience in the insurance industry. As the head of our New Business Department, she brings a wealth of knowledge in life insurance retirement plans, annuities, and property & casualty (P&C) lines.
Her professionalism, warmth, and love of life shine through in every interaction, making her a trusted resource for agents and clients alike. Eva is dedicated to ensuring that every new business submission is processed smoothly and efficiently, allowing our agents to focus on what matters most—serving their clients.
Contracting Team
With over 25 years of combined industry experience, our contracting team brings a sharp, innovative approach to every step of the licensing and appointment process. We understand that smooth, efficient contracting for broker insurance companies in California and life insurance retirement plans is essential to your business success—and we’ve built our system to ensure just that.
Our dedicated professionals work diligently behind the scenes to process your paperwork accurately and on time, so you can stay focused on growing your business. From initial setup to ongoing support, our team is committed to providing a seamless contracting experience that supports financial strategies for retirement, keeps your business flowing efficiently, and your agents ready to produce.
Our Commitment
Our team is united by a shared goal: to provide exceptional service, build lasting relationships, and support the growth and success of our agents and clients. With integrity at the core of everything we do, we are proud to serve as trusted partners in helping individuals and families build stronger life insurance retirement plans and secure their financial future through effective financial strategies for retirement.