Consolidated Financial Services: Financial Peace of Mind for Your Family

A Kitchen Table Realization That Changed Everything

NATIONWIDE - AUGUST 2025 - (USAnews.com) — Angel Montes, a trusted friend and confidant, sat across from someone he had known for years. This wasn’t a casual chat; it was a moment of openness. The woman across from him spoke about the rising cost of college for her children, her parents’ lack of final arrangements, and a retirement account that wasn’t keeping pace with her goals.

Angel listened closely. He had heard similar concerns before. Families everywhere juggle the balance between preparing for tomorrow and managing today’s responsibilities. But something about this conversation felt different. The worry in her voice wasn’t about numbers—it was about uncertainty.

That moment clarified Angel’s mission: to guide individuals and families toward lasting financial peace of mind through thoughtful, comprehensive planning.

The Mission: Building Security for Every Stage of Life

From that turning point, Consolidated Financial Services took shape, not as a sales operation but as a mission-driven service. Angel’s approach centers on designing plans that work across all stages of life. His work covers retirement income planning through annuities, market-linked growth opportunities through indexed products, supplemental Tax-Free income for retirement, life insurance with living benefits to support both protection and flexibility, education funding strategies to meet future tuition costs, and funeral pre-planning to reduce the burden on loved ones.

As Angel often says, “It’s not about how much money you have every retirement; it’s about how much money you end up keeping. It’s not about how much you save a month; it’s about how long you’ve been saving for your future.”

Independence as a Competitive Advantage

In an industry where many advisors work for a single carrier, Angel operates as an independent broker. This independence allows him to evaluate multiple providers and compare options without bias. For clients, it means greater flexibility, more tailored recommendations, and strategies that truly reflect their personal goals and circumstances. By being free from corporate quotas or preset offerings, Angel can focus entirely on finding the right balance between cost, coverage, and long-term stability.

Meeting the Challenges of Financial Planning

Across the country, many individuals approach retirement without a complete plan for income, healthcare costs, or estate matters. Angel addresses this by putting education at the forefront of every meeting. Instead of using technical jargon, he breaks down concepts step-by-step, making complex financial tools understandable. Clients leave with not only a structured plan but also the confidence to make informed decisions as their lives and goals evolve.

Education Over Transactions

Angel’s career has been built on the understanding that long-term value comes from empowering clients, not just completing transactions. When people understand how indexed annuities protect against market losses, how living benefit riders can offer flexibility during health challenges, or why funeral pre-planning can provide both emotional and financial relief, they make decisions with clarity rather than hesitation. This focus on education has created strong relationships, with many clients returning year after year and referring friends and family.

Stories That Illustrate the Mission

One client came to Angel after the loss of a spouse. Although life insurance was in place, there was no plan for replacing income or covering immediate expenses. Angel helped restructure the surviving spouse’s finances, creating stability for the future. Another client, a young couple, began working with Angel before starting their family. Together, they established a college fund, built retirement assets, and secured life insurance with living benefits. Their plan continues to adapt as their circumstances change.

A Distinct Approach to Planning

Today, Consolidated Financial Services stands out for its comprehensive approach that integrates retirement, education, and legacy planning into a single, coordinated strategy. The independence of the brokerage ensures that each recommendation is based on client needs, not product quotas. A focus on living benefits prepares families for both expected and unexpected life events, while ongoing client education encourages informed choices. Above all, the goal is to maintain lifelong partnerships built on trust, adaptability, and genuine understanding.

Why the Approach Works

While financial products can be purchased online, personalized guidance remains irreplaceable. Technology cannot understand a family’s values, goals, or unique circumstances. Nor can it adapt a plan to account for changes in life or provide reassurance when uncertainty arises. Angel’s work combines technical expertise with personal connection, ensuring that each plan reflects both the financial and emotional priorities of his clients.

Milestones That Matter

For many clients, the benefits of planning show up in tangible milestones. They purchase homes without draining their savings, welcome children with college funds already in place, enter retirement with predictable income, and handle final expenses without placing the financial burden on loved ones. These moments reflect more than just financial stability—they represent the lasting impact of thoughtful planning.

Looking Ahead

Angel sees a future where more households begin planning earlier, long before retirement is near. Through expanded educational resources, client workshops, and tailored consultations, he aims to make proactive financial preparation a standard practice. His vision is not just about selling policies but about creating a culture of readiness that can give every family a stronger foundation for the future.

Next Steps

Financial security is the result of intentional choices and well-structured planning. Whether preparing for retirement, funding education, or protecting a legacy, Consolidated Financial Services offers strategies designed to reflect each client’s individual goals.

Visit planwithcfs.com or call (559) 705-4899 to explore your options. We can review your current plans to see if we can provide more value, especially if you have life insurance with no living benefits or want to learn how to generate a tax-free income in retirement. Take the first step toward building a lasting plan.

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