Build and Protect Your Wealth with Expert Financial Solutions
Customized plans for individuals, families, and businesses to secure your future through strategic insurance, annuities, and wealth management.
About the Owner
Sonya is a retired navy-veteran. Sometime after she retired, she was given a book called “Money, Wealth, and Life Insurance”. This book changed everything she ever knew about the word leverage. She began this company with the core concepts she’s learned since then with the desire to see everyone succeed. For over 30 years she has helped individuals and families grow and develop personally, professionally, and financially.
Stress about finances and money, or the lack thereof, is a common factor in deteriorating relationships and health today. Since financial education is not afforded to everyone at every level, Sonya’s mission is to make a meaningful impact in people’s financial well-being and their ability to reach higher, to go further, to do more, and to have better. With Honor, Courage, and Commitment, she takes a holistic approach to financial empowerment for all generations to build wealth and transform their dreams into their reality.
Our Services
We provide comprehensive financial strategies designed to protect, grow, and secure your future. From building tax-free retirement income and safeguarding assets from market volatility to creating college funds and family banking systems, our services cover every stage of life. We help families and business owners with debt management, mortgage and life protection, trust and estate planning, and customized retirement rollovers. With solutions tailored for wealth building, long-term care, and legacy planning, we make it simple to achieve financial peace of mind.
Debt-Free Management
Take control of your debt and secure a stress-free financial future.
Tax-Free Retirement
Secure a worry-free retirement by building a tax-free income for your future.
Life Protection (Term & Permanent)
Choose the best coverage for your family’s needs, from term to permanent life insurance.
Why Choose Money Wealth Life & Annuities?
Personalized Financial Solutions
We offer custom financial strategies that are designed to fit your unique goals and needs.
Expert Guidance
With over 110 years of industry resources and experience, MWL&A is brokered by a team of financial experts that is committed to each client and their independent journey, transparent in every process, while compliant by state and federal laws.
Proven Results
Our clients first learn and understand the importance of their choices and consistently see strong financial growth, asset protection, and peace of mind.
Trusted by Families & Businesses
We maintain friendly and professional relationships with all of our clients and business partners. We are honored that most of our clients recommend our services and elicit our services for additional assistance as family and business structures change.
Trusted by Families & Businesses
Personalized Financial Solutions
Frequently Asked Questions
By consenting to a consultation, I am obligated to pay anything?
No, consultations are free. We can go over general ideas and best plans of actions. No payment is due.
Do I have to prepay for any service you provide?
No, at the time of service, no payment is needed nor accepted. I will never physically accept cash, debit, credit, money order, or check from you. My services are free to my clients.
I’m trying to decide which is better for me, how do I decide?
Choosing the right life insurance depends on your financial goals, current needs, and future plans. Start by considering whether you need temporary coverage (like term life insurance) or lifelong protection (such as whole life or universal life insurance). Term life is usually more affordable and suitable for short-term needs, while permanent policies offer lifelong coverage and can build cash value over time. It’s also important to factor in your family’s financial needs, your budget, and whether you want the policy to include additional benefits. A personalized consultation can help clarify which option fits best with your specific situation
I love what you do and how you are able to help others. Can I become part of your team?
Yes! I love helping others grow and develop into their own! You will need to become licensed in your state before you can do business, but the answer is yes. Contact me for more details
What is a fiduciary?
A fiduciary is a person or entity that has the legal responsibility to act in the best interests of another party, typically in situations where there is a trust or a relationship of confidence. This duty is the highest standard of care in law.
Key Characteristics of a Fiduciary:
Duty of Loyalty: A fiduciary must put the interests of the other party (the "beneficiary") ahead of their own. They cannot benefit from the relationship at the beneficiary's expense.
Duty of Care: The fiduciary must act with a high level of care, diligence, and skill, ensuring that decisions are made with thorough consideration of the facts and the beneficiary's best interests.
Duty of Disclosure: Fiduciaries must disclose all relevant information to the beneficiary, especially when it could affect the beneficiary's decisions or financial well-being.
Avoidance of Conflicts of Interest: Fiduciaries must avoid situations where their personal interests conflict with those of the beneficiary.
TESTIMONIALS
What others are saying
"Thanks to Sonya, I was able to identify that I was inadequately preparing for retirement. I was able to get on the right track to retire and have enough saved for a retirement vacation.”
- Adri. L.
"Her strategies for college funds helped us save $250K for our child's education without stress."
- Ray H.
“I was able to avoid a major fall in the market, get a great rate of return and a bonus for my 401K roll-over. I am so happy Sonya helped me get my annuity started.”
- Sean W.
Are you ready to insure yourself or your business?
Get In Touch
Phone Number:
(850) 738-1350