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.
Matthew places business through All Things Insurance Group, a firm that has placed more than $65 million in coverage across 15,000 clients nationwide. That's the carrier access, underwriting support, and institutional weight standing behind every recommendation he makes — with none of it dictating what he recommends.
The core of everything I do: turning what you've saved into income you can't outlive. Built from a full picture of your assets, timeline, and risk tolerance — not from a product sheet.
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.
Most advisors only know how to spend down an RMD — not address the problem at the source. There are annuity strategies built specifically around required distributions that most of the industry doesn't explain. If a five- or six-figure RMD tax bill is on your radar, have this conversation before your custodian forces the issue.
Traditional long-term care insurance is a use-it-or-lose-it bet most people quietly regret. There's a different way to structure protection — using life insurance itself as the vehicle — so the money works whether care is ever needed or not. Most agents don't lead with it because most agents don't fully understand it.
Term, whole life, and indexed universal life — compared across A-rated carriers and built around your needs, not a carrier's preferred product.
Your 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.
Move four sliders. In thirty seconds you'll see what your savings could pay you every month — four strategies side by side, with the guaranteed one called out.
Try the CalculatorI spent fourteen years protecting the water people drink. Now I protect the money they worked for.Matthew Holguin
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.
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.
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Required Minimum Distributions are the amounts the IRS forces you to withdraw from tax-deferred accounts like a 401(k) or IRA starting at a certain age — whether you need the money or not. Those withdrawals count as taxable income, and for many retirees they push them into a higher bracket than expected. There are strategies that reduce or restructure that burden well before it becomes a problem.
Long-term care covers help with everyday activities most people eventually need — bathing, dressing, mobility — whether at home, in assisted living, or in a nursing facility. It's more common and more expensive than most families expect: the average claim lasts about 3.3 years, and a private room can run roughly $102,000 a year. Without a plan, that cost typically comes straight out of savings or falls on family.
With fixed and fixed indexed annuities — no. Principal is protected from market loss, with guarantees backed by the issuing carrier. You won't outperform someone fully in equities during a bull market, but you won't lose 30% in a correction either. That tradeoff is exactly what most people approaching retirement are looking for.
You have options — and most people don't know all of them. Rolling into an IRA or annuity often gives you more control, better rates, and guaranteed income you can't outlive. Leaving it with a former employer or cashing it out are usually the worst moves. I walk through all of it on the first call.
A financial advisor and an insurance specialist do different things. Most advisors don't go deep on annuities or life insurance — it's not their core. I fill that gap. A second opinion on what you've been shown costs nothing and could change what your retirement looks like.
No carrier affiliation. No quota. No product I'm required to recommend. I work across A-rated carriers and recommend what fits your situation — not what generates the highest commission.
No. I'm multi-state licensed with more states being added, serving clients across the country. Reach out and I'll confirm yours — and you can verify any license through your state's Department of Insurance.
Thirty minutes. I ask about your timeline, what you have, and what you're trying to protect. No pitch at the end — just clarity on whether there's a fit and what that looks like.
Compensated by the carrier when a policy is placed — at no additional cost to you. The premium is the same whether you go direct or through me. The difference is you get someone comparing options across A-rated carriers on your behalf.
Tell me a little about your situation and I'll reach out — usually the same day. Or skip the form entirely and call.
Nobody should move retirement money on a first conversation. Take thirty minutes, get straight answers, and decide on your own timeline — there's no cost and no follow-up pressure.
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