Dreams Defined. Wealth Designed. Futures Secured.
Most families are one health event away from a financial crisis they never saw coming. As a psychology-trained broker, Kleber Soares brings a clinical understanding of how people think about money, risk, and the future — helping Florida families and business owners build protection plans that work while you're alive, not just after you're gone.
Find Your Retirement Gap in 2 Minutes
See exactly where you stand — your income gap, your protection gap, and the specific strategies that close it. Free. No pressure.
The Advisor Who Understands What's Keeping You Up at Night
Before becoming a Licensed Living Benefits Specialist, Kleber Soares spent years as a psychology professional — working directly with people navigating health crises, financial stress, and the fear of what happens when life doesn't go according to plan.
That background isn't a footnote. It's his edge. While other brokers explain products, Kleber understands the psychology of financial decision-making — and helps clients move through hesitation, overwhelm, and the invisible barriers that keep most people from protecting what they've built.
Protection Strategies Built for Real Life
Every solution is designed around a real gap most families and business owners don't discover until it's too late.
Mortgage Protection
Health insurance covers your hospital bill. It doesn't pay your mortgage when you can't work for 6 months. Here's the gap that destroys most families' financial plans — and how to close it.
- Critical illness income replacement
- Living benefit activation during recovery
- Covers self-employed owners with no disability coverage
College Planning
A 529 plan is great — until plans change. An IUL gives you the flexibility a 529 doesn't: tax-free withdrawals for any purpose, no FAFSA impact, and living benefits protecting the income funding it.
- Tax-free access for any expense, not just tuition
- No FAFSA impact (unlike 529 plans)
- Dual-purpose: college fund + retirement overflow
Guaranteed Income for Life
Your 401(k) grows tax-deferred — then gets taxed on every withdrawal. An IUL provides tax-free policy loan income in retirement, no RMDs, and no contribution limits based on your income.
- Tax-free retirement income via policy loans
- No Required Minimum Distributions
- Market-linked growth with 0% loss floor
Business Owner Protection
You insure the building, the vehicles, the inventory. Who insures the most important asset in your business — you? Key person coverage, buy-sell funding, and income protection if you go down.
- Key person insurance for revenue-critical owners
- Buy-sell agreement funding to protect your partners
- Living benefits if the owner can't work for 6+ months
From First Call to Full Protection in 5 Steps
No long forms. No pushy sales cycles. A structured process designed to give you clarity first — then a decision.
Free Strategy Call
20 minutes. We map your income, your gaps, and your goals. No product pitch.
Gap Analysis
We show you exactly what's unprotected and what it would take to close each gap.
Carrier Comparison
We run illustrations across 14+ carriers — you see the options side by side.
Application & Underwriting
We handle the paperwork and advocate on your behalf through underwriting.
Annual Review
Life changes. We review your coverage every year to keep it aligned with your goals.
Real Gaps. Real Strategies. Real Peace of Mind.
These are illustrative scenarios — composites based on the situations Florida families commonly face. They show how a living benefits strategy works in practice.
She had a solid 401(k), a good salary, and a mortgage nearly halfway paid off. What she didn't have: a plan for what happens if she can't work for six months.
Her Retirement Gap Scan revealed a $47,000 income gap — the difference between her savings and what her family would need if a critical illness kept her out of work for half a year.
A living benefits policy addressed the gap. It pays out while she's alive — for critical illness, chronic illness, or terminal diagnosis — not just as a death benefit after she's gone. She closed the gap without changing her lifestyle or increasing her monthly budget by more than the cost of a gym membership.
His business was profitable. But the bank loan securing his equipment was personally guaranteed — meaning if something happened to him, the debt followed his family.
His scan identified two gaps: no key-person protection and no funded business continuity plan.
A properly structured policy gave the business a financial cushion in the event of his incapacity — and gave his family separation from the business liability they didn't know they were carrying.
They'd done everything right — or so they thought. Monthly contributions to a 529 for both kids, solid jobs, a home with equity.
What the scan revealed: their 529 balances were market-dependent, counted as an asset on the FAFSA, and provided zero protection if either parent became unable to work.
A properly structured indexed account offered a different path — tax-free growth, no market loss floor, and assets that don't reduce financial aid eligibility. Their monthly contribution shifted. Their exposure didn't.
Common Questions
Your Gap Won't Close Itself.
Run your free Retirement Gap Scan in 2 minutes — or book a free 20-minute strategy call with Kleber directly. No pressure. No obligation.
