FS FERNANDO SIERRAFINANCIAL

Marine Corps Veteran • Financial Professional • Financial Educator

Understand your finances.
Protect what matters.
Build your future.

I educate individuals and families through a complimentary Personal Financial Review (PFR). Together, we look at your goals, protection, debt, savings, and retirement, then discuss solutions that may fit your needs.

Licensed in CA, AZ, TX, FL, NC, SC, NV, VA and MA

Schedule Your Complimentary Personal Financial Review Explore the Career Opportunity
Educateunderstand your options
Reviewsee your full picture
Identifyfind needs and gaps
Planconsider your next steps

Education First

Every conversation starts with a Personal Financial Review.

A complimentary Personal Financial Review (PFR) helps you understand where you are today, clarify your goals, and identify areas that may need attention. There is no one-size-fits-all answer. Any recommendation should be based on your needs, budget, eligibility, and long-term goals.

01

Life Insurance Protection

Coverage designed to help protect the people who depend on you. Based on your needs, options may include:

  • Term Life Insurance
  • Final Expense Life Insurance
  • Mortgage Protection Life Insurance
  • Living benefit riders when available
02

Cash Value Life Insurance

Permanent life insurance that may build cash value while providing a death benefit. Options I work with include:

  • Indexed Universal Life Insurance (IUL)
  • Juvenile Indexed Universal Life Insurance (JIUL)

IUL policies are not direct market investments. Policy charges, index-crediting terms, loans, and withdrawals can affect values and benefits.

03

Fixed Indexed Annuities (FIAs)

Insurance contracts designed for long-term accumulation and potential retirement income. Interest credits are linked in part to an external market index, but your money is not invested directly in the index.

Contract limits, surrender charges, and withdrawal rules may apply.

04

Retirement Account and Rollover Education

Review retirement savings from a former employer and understand the choices available for accounts such as:

  • 401(k) retirement plans
  • 403(b) retirement plans
  • Governmental 457(b) retirement plans
  • Thrift Savings Plans (TSPs)

We compare the current plan with eligible rollover options, including an Individual Retirement Account (IRA), before determining what may better fit your needs. A rollover is not always the best choice.

Important: Products and rollover options are discussed only after reviewing your individual situation. Guarantees depend on the issuing insurance company's claims-paying ability. Policy and contract terms, fees, limitations, plan rules, and tax treatment vary. Consult a qualified tax professional regarding tax consequences.

My Story

My mission changed.
My commitment to serving did not.

After 20 years in the United States Marine Corps, I began a new chapter helping people prepare for the future. The same values that guided my military service guide my work today: discipline, honesty, responsibility, and taking care of people.

My Why

My family is the reason.
Serving others is the mission.

My wife and son are at the heart of everything I do. I want my wife to feel secure about the future we are building together, and I want my son to grow up knowing his father led by example, kept his word, and helped others.

This mission also became personal through loss. When my uncle and father-in-law passed away without life insurance, I saw how grief can become even harder when a family is also facing financial pressure. That is why I help families prepare before life forces them to. My family is my why, and helping protect other families is my mission.

Fernando Sierra, his wife, son, and family dog

Business Opportunity

Help families. Build something of your own.

I am looking for coachable people who are willing to learn, accept guidance, and consistently do the work. No previous financial services experience is required. Training, licensing support, mentorship, and ongoing development are provided. You can begin part time or pursue the business full time based on your goals and schedule.

Training and MentorshipPart-Time or Full-TimeUncapped Earning Potential
Schedule a Business Opportunity Interview This is a 1099 independent contractor opportunity, not a salaried position. Compensation is performance-based and paid through commissions, with no fixed earnings cap. Licensing and company approval are required. Earnings are not guaranteed, and individual results vary.

Let’s Talk

Your next step starts with a conversation.

Whether you need help understanding your financial options or want to learn about the career opportunity, choose the conversation that fits you.

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