Alex Molina · Licensed Insurance Professional · Florida
Independent advisor. Multiple carriers. No pushy sales. We start by understanding where you are — then find what actually fits.
I was paying $680 a month for a plan that left me with a $9,000 deductible every time I actually needed it. Alex sat with me for 11 minutes and found something better in two different ways — lower premium, lower out-of-pocket. I felt like an idiot for not doing this sooner.
M.R. Self-employed contractor, 54 · South Florida
What I appreciated most was that he told me when something wasn't right for me. Most brokers just pitch whatever they sell. Alex told me the ACA plan was actually my best option given my income that year. That kind of honesty keeps me coming back.
D.L. Business owner, 61 · Orlando
I didn't know my health insurance decision was connected to my retirement. Alex showed me how what I was overpaying in premiums could be going into something I'd actually benefit from. Now I have coverage AND a plan for what comes next.
C.V. Freelance consultant, 58 · Tampa
Most advisors can only help you with one piece. We cover the full path — because the goal isn't just to get you covered this year. It's to make sure you never run out of money.
We start here. Compare your actual options — ACA, major-medical alternatives, supplemental coverage — and find what fits your life stage, not the life of the average buyer the marketplace was built for.
Term or permanent. The conversation most people put off until it's urgent. We have it while you still have full options.
An Indexed Universal Life policy isn't just life insurance — it's a wealth vehicle with a floor (it can't go backward), tax-advantaged growth, and money you can borrow before 59½ without IRS penalties. Most people have never been told this is possible.
Guaranteed lifetime income through annuities, including options that fund long-term care without bankrupting your estate. The conversation that closes the loop between protecting your health today and ensuring you never run out of money.
I've spent 25 years in financial services. I've watched people get sold the cheapest plan available instead of the right one. I've watched health decisions made in isolation from retirement planning — as if they're two different problems for two different advisors.
They're not. They're the same problem at different altitudes.
I'm independent, which means I work with more than one company. That means I can compare your options and recommend what actually fits — not what happens to be on the shelf. I get paid either way, so I have no reason to recommend the wrong thing.
I'll tell you when an alternative health plan is the right call and when it isn't. I'll tell you when the ACA marketplace is actually your best option. And I'll tell you when the premium you're "saving" is setting you up for a problem you don't see yet.
That's the conversation I want to have with you.
— Alex Molina, Health and Wealth Advisors
The questions most brokers never answer — and the ones you should ask before you sign anything. No pitch. Just the information.
No spam. One guide, a short follow-up sequence, and you can unsubscribe anytime.
No pitch. No obligation. We look at where you are, what you're paying, and what actually makes sense for your situation. You leave knowing more — regardless of whether we work together.
11 minutes. No pressure. Direct to calendar.