Tax planning and tax advisory are an extra layer of service we offer our clients. We believe tax is important to talk about throughout the year, not just right before Tax Day. By reviewing the options available for your specific situation, we can help you implement strategies within the tax code to keep more dollars in your pocket.
After years of experience working with proprietary insurance companies, we realized something: No one company has the best solutions for every clients’ unique needs. In reality, you might benefit from using one carrier for your Life Insurance, and a different carrier for your Disability Insurance. It depends entirely on your needs. And we care about your needs.
That’s when we came up with our “People Before Product” philosophy.
Our Tree of Life Risk Managers have access to multiple insurance carriers but do not exclusively represent any of these companies.
This means that our loyalty is to you– not an employer.
So you can rest assured that we will get you the protection and the security that you require in your Life, Disability, and Final Expense Insurance. We explore your specific situation, then use personalized precision to only pursue the options that work for you. Because we choose who we work with, you will only be offered quality policies from quality companies that work for you.
Access to multiple companies inside of one agency.
That’s our People Before Product philosophy, and that’s the Tree of Life standard.
“I began my career at a private Wall St. based investment firm in New York City, helping families and business owners create and implement financial plans for their future. I always enjoyed having a close relationship with my clients, and I found that I became truly invested in their future. It was during these years that I realized my passion: giving my clients the financial security they need. I loved setting their financial goals and crossing them off, I loved knowing that we were providing peace of mind for them, their families, and their businesses.
Identifying and mitigating the financial risks that affect every one of us became my forte, and, alongside my business partner and life partner, Olga Espiritu, CFP® of Tree of Life Wealth Advisory Group, we founded our own company: Tree of Life Taxes and Insurance.
The responsibility of being entrusted with my client’s hard earned money is not one I take lightly. For years, I have continued honing my skills and expertise in the finance industry. Besides acquiring several investment industry licenses, I expanded my overall financial planning knowledge by becoming a Certified College Planning Specialist™, an Education Loan Analyst™ as well as a Registered Tax Return Preparer with the IRS.
I am currently a Chartered Life Underwriter (CLU®) candidate at The American College, the CLU® designation is respected internationally as risk management’s highest standard of knowledge and trust.
This knowledge means that I can assess exactly what you need, and choose the carrier that has the policy for you. Too many honest people get pulled into bad policies; we won’t let that happen to you. We choose to work only with quality insurance carriers with honest, high quality policies.
So now you can relax. You’re in good hands.”
Hugo Espiritu, CCPS®, ELA™
Founder, Risk Manager