Dreams Defined.
Wealth Designed.
Futures Secured.
Most families are one health event away from a financial crisis they never saw coming. As a former licensed psychotherapist and independent broker, Kleber Soares helps 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 licensed psychotherapist — 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 emotional 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 — and don't know how to close until they talk to Kleber.
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.
What Florida Families Say
"Kleber didn't just explain the policy — he explained why I'd been avoiding this conversation for years. That psychological insight made all the difference. We finally have a real plan."
"I thought I understood my 401(k). After one call with Kleber I realized I had no idea how exposed we actually were. He showed us options our HR department never mentioned."
"When my husband had a cardiac event last year, the living benefit on our policy covered six months of mortgage payments. That policy saved our home. Kleber saved our family."
Common Questions
See Exactly Where Your Retirement and Protection Stand Right Now
The Retirement Gap Scanner shows you the gaps in your income protection, retirement savings, and coverage — personalized to your situation. No commitment. No pressure. Just your real numbers.
Run Your Free Gap Scan
See your picture and your distance in under 2 minutes.
