Matthew Holguin is an independent retirement and life insurance agent. Fourteen years in the field taught him what work is worth — now he helps working families turn what they've saved into income that lasts.
The core of everything I do: turning what you've saved into income you can't outlive. We map what you have, what you'll need, and the gap between them — then build a plan that pays you every month, in any market, for as long as you're here.
Start hereLeaving a job or retiring? I'll walk you through every option for your old plan — what to roll, where to put it, and how to avoid the taxes and penalties that catch people off guard.
Start hereFixed, indexed, and immediate. If you've been pitched one, I'll tell you whether it's the right product at the right terms — before you sign anything.
Start hereAlready own an annuity? I'll review what you were sold, compare it against today's market, and tell you honestly whether you got a fair deal — or whether something better exists.
Start hereTerm, whole life, and indexed universal life — compared across A-rated carriers and built around your needs, not a carrier's preferred product.
Start hereYour situation, your budget, your people. The conversation starts with questions — not products.
I'm not tied to any one company, so I shop A-rated carriers for the strongest fit — on price, coverage, and financial strength.
Every option in plain English: what it costs, what it covers, where it falls short. You'll understand it before you sign it.
Take the time you need. And if the honest answer is "not yet" — I'll be the one to tell you.
Run your numbers in thirty seconds. Four income strategies, side by side — see what your savings could actually pay you every month.
I spent fourteen years protecting the water people drink. Now I protect the money they worked for.
Before this, I spent fourteen years in the water and construction field — laying main lines, running heavy machinery, disinfecting distribution systems. I hold a degree in water technology and carried every certification the work required. It was long hours, shift work, and backbreaking labor. It was also honest, and I was proud of it.
Along the way I noticed something: the people I worked beside had built serious retirement accounts — decades of overtime, discipline, and sacrifice sitting in 401(k)s — and almost no one was helping them protect what they'd earned. I've always been the one the people around me came to for help. So I made the shift official: I passed my state exam, got licensed, and turned protecting people's futures into my full-time work.
I bring the same standard here that I brought to the field — show up, do the work right, and never cut a corner on something people depend on. Every recommendation I make is one I can defend line by line, and every client leaves the conversation understanding exactly what they own and why.
That's why this practice is built for the trades — the plans you actually have, like 401(k)s, pensions, 457s, deferred comp, and union annuities, and the taxes and penalties that catch people on the way out. You won't have to translate your work for me. And if you're not in the trades, the standard is exactly the same.
No carrier owns my recommendation. The policy I put in front of you is there because it won the comparison — not because of who signs my contract.
You'll know exactly what you're buying, what it excludes, and what it costs over time — before anything is signed. Ever.
My license is on record with every state I serve. Verify it any time through your state's Department of Insurance. I'll even show you where.
No. Consultations, quotes, and policy reviews cost you nothing — ever. Agents are compensated by the insurance carrier when a policy is placed, never by you. You can get every question answered and walk away owing nothing.
It depends on three things: what you spend, what you've saved, and what guaranteed income you'll have coming in. There's no universal number — anyone who gives you one without knowing your situation is guessing. Run your numbers in the calculator for a starting point, then we'll pressure-test it together.
You generally have four options: leave it where it is, move it to a new employer's plan, roll it to an IRA, or cash it out — and that last one can trigger taxes and penalties that take a serious bite. The right answer depends on your fees, your investment options, and your income plan. I'll walk you through all four honestly, including the case for doing nothing.
Both reputations are earned. The right annuity, at the right terms, for the right purpose — usually guaranteed lifetime income — can be the strongest tool in a retirement plan. The wrong one, sold for a commission instead of a reason, deserves every bad story you've heard. My job is telling you which one you're looking at before you sign anything.
Certain products are built for exactly that — fixed and fixed indexed annuities credit interest tied to market index performance while protecting your principal from market losses, with guarantees backed by the issuing carrier. They're not right for every dollar you have, but for the money you can't afford to lose in a downturn, they're worth understanding.
Bring it. I'll review it line by line, explain what it actually does, and compare it against today's market. Sometimes the honest answer is that you got a fair deal and should change nothing — and I'll tell you that, too. Replacing a policy is only right when the numbers prove it.
I hold licenses in multiple states, with more being added. Reach out and I'll confirm yours — and you can verify any license directly through your state's Department of Insurance.
Tell me a little about your situation and I'll reach out — usually the same day. Or skip the form entirely and call.