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 β not just after you're gone.
See exactly where you stand β your income gap, your protection gap, and the specific strategies that close it. Free. No pressure.
Before becoming a Licensed Living Benefits Specialist, Kleber Soares spent years as a licensed psychotherapist β 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 β and helps clients move through hesitation, overwhelm, and the invisible barriers that keep most people from protecting what they've built.
Every solution is designed around a real gap most families and business owners don't discover until it's too late β and don't know how to close until they talk to Kleber.
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 β and how to close it.
A 529 plan is great β 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.
Your 401(k) grows tax-deferred β 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.
You insure the building, the vehicles, the inventory. Who insures the most important asset in your business β you? Key person coverage, buy-sell funding, and income protection if you go down.
No long forms. No pushy sales cycles. A structured process designed to give you clarity first β then a decision.
20 minutes. We map your income, your gaps, and your goals. No product pitch.
We show you exactly what's unprotected and what it would take to close each gap.
We run illustrations across 14+ carriers β you see the options side by side.
We handle the paperwork and advocate on your behalf through underwriting.
Life changes. We review your coverage every year to keep it aligned with your goals.
"Kleber didn't just explain the policy β 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."
The Retirement Gap Scanner shows you the gaps in your income protection, retirement savings, and coverage β personalized to your situation. No commitment. No pressure. Just your real numbers.
See your picture and your distance in under 2 minutes.
Book your free 20-minute strategy call. Kleber will look at your full picture β income, coverage, retirement, and family protection β and show you exactly what's missing and what it costs to fix it.
Book My Free Strategy Call
As a licensed agent, Kleber Soares integrates psychotherapy wisdom, marketing strategies, and financial acumen for individuals looking for innovative ways to protect their family's financial security beyond traditional.