Michelle Moreno - Independent Financial Professional
We provide financial education to people and how to improve their financial situation.
01/10/2026
The Importance of Life Insurance for Single Parents
Being a single parent can be challenging, and it’s essential to ensure that you have a plan in place to protect your children in the event of your untimely death. One way to do this is by pur…
01/09/2026
How to Evaluate and Choose the Right Insurance Agent
Choosing the right insurance agent can be a crucial decision for ensuring that you have the right insurance coverage for your needs. An insurance agent can help you navigate the complex world of in…
01/08/2026
Understanding Insurance Terminology: A Glossary of Terms
Insurance can be a complicated topic, and understanding the terminology used in insurance policies and contracts is essential to ensure that you are fully covered and aware of what you are paying f…
01/07/2026
The Relationship Between Your Credit Score and Insurance Premiums
Many people are aware that their credit score can impact their ability to secure a loan or credit card, but did you know that it can also affect your insurance premiums? That’s right, your credit s…
01/06/2026
Insurance and Risk Management for International Businesses
International businesses face unique risks that must be considered when implementing an insurance and risk management strategy. Globalization has led to an increase in cross-border transactions and…
01/03/2026
The Impact of Climate Change on Insurance Rates
Climate change is one of the biggest challenges facing our planet today. Rising global temperatures, sea levels, and extreme weather events are all contributing to a changing climate. The impact of…
01/02/2026
Insurance Fraud: Types, Warning Signs, and Prevention
Insurance fraud is a significant issue that affects both insurers and policyholders. Insurance fraud occurs when an individual or group intentionally deceives an insurer for financial gain. This ca…
01/01/2026
The Role of Insurance in Financial Planning
Insurance plays a critical role in financial planning, providing protection against unforeseen events that could derail an individual’s financial security. Financial planning involves creatin…
12/31/2025
The Top Insurance Companies in the United States
Insurance is an essential part of financial planning, and selecting the right insurance company is a crucial decision. The United States insurance industry is highly competitive, with hundreds of c…
12/30/2025
“The Benefits of Marine Insurance for Boat Owners”
Marine insurance is a specialized type of insurance that provides coverage for boats and other watercraft. If you’re a boat owner, here are some benefits of having marine insurance: Protectio…
12/27/2025
How to Choose the Right Business Interruption Insurance Policy
Business interruption insurance is designed to provide financial protection for businesses in the event of an interruption to their operations, such as a natural disaster, fire, or other covered ev…
12/26/2025
The Differences Between Collision and Comprehensive Auto Insurance
When it comes to auto insurance, collision and comprehensive coverage are two important types of coverage that protect against different types of damage to your vehicle. Here are the key difference…
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I am from Chicago and I am the youngest of two children. I earned my BA in Sign Language Interpreting and a MS in Legal Studies. I have been married for 25 years. I became a stay home mother for 12 years. Being a stay home mom was wonderful I was able to teach my children not only in their studies for school but for life. I had taught them how to become leaders and have morality guide them. I was a volunteer for Girls Scouts and Boy Scouts. I was a chaperone on field trips for my children school; I am a involved parent. I learned how to schedule, budget, coupon, get out of debt, and many more things.
The problem with being a stay home parent is that there is no income, savings plan or retirement plan set up for you. One day I received a letter from Social Security (this no longer happens) stating that for my retirement I will have $300 a month for the rest of my life. How can anyone live on that now let alone in the future. I did not know what to do I felt helpless and hopeless. What did I do about it? I became a financial professional and gained a proper education of how money works. Now I am on a mission to ensure that everyone has a proper education for their future.
I grew up on the south side of Chicago. I am the youngest of 6 children. Growing up people would say get with the utility companies and you will have a job for life with good benefits and a pension. I listened and I have been in with the utility companies for 20 years. I was working 10 to 12 hours a day at my job. Working all these hours made it difficult to spend time with my family.
With the ever changing corporate world there is no longer a guarantee of a job for life. I went through 5 layoffs because of corporate downsizing. I have been doing more work with less people. Six years ago our company announced that the plant was closing. I was also informed that if I wanted to keep my job I had to transfer to another plant which was in other states. My wife and I decided to take the transfer and we moved out of Illinois and started to make a new life in Texas. Two years after the transfer to Texas I went through another downsizing.
I was no longer in a secure career. No one should have to worry when the next downsizing would be or when they will lose their job.
During this time my wife started her business in the financial industry. I decided to come aboard part time to help build the business. I was educated on how money works. Now I educate people and help them build their dreams. I believe people should be able to have more time with their families and not have to worry about money.
We are Independent Insurance Agents, so we work for you. We are introducing financial concepts to middle income families. We are driven to revolutionize the financial service industry by helping entrepreneurs start business that can help change people’s futures. We are affiliated with one of the best companies that provide the best products to our clients. We do not believe in a one size fits all product. Everyone is different and has different needs and different dreams.
We are very excited about this company for a lot of reasons, but one of the most important to us is that this company knows how to treat people right. We are also doing something that is fabulous for the consumer. It makes us feel great to know that we are helping people – that we really get a chance to make a difference in people’s lives. It is not just a little thing that we do. We are teaching people what they need to do in order to manage their own financial futures, and when you can believe in what you do, you know that it is right, and know that it helps people so much we get excited about it.
We have been given a chance to build a business of our own and also to know that we are in driver’s seat and that we are controlling our own destiny. It has also given us a chance to make money and get out of debt. It’s a great to feel that we are in charge of our lives and that we do not have to worry about politics or anyone holding us back.