Independent · Licensed Nationwide · NPN #19493024

Most people retire. A few do it right.

Sean Holguin is an independent retirement income specialist. No carrier affiliation. No quota. One standard: the strategy that is right for you.

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Sean Holguin — Independent Retirement Income Specialist
$0M+ assets placed as a firm

The Practice

Seven years. No script.
No preferred product.
No one to answer to but you.

Over $65 million placed across 15,000+ clients nationwide. Every case independent. Every recommendation made without a carrier's interest in the room. That is not a differentiator. It is the baseline of what this work requires.

Licensed Nationwide

Areas of
Practice

The work is narrow by design. Retirement income strategy, life insurance, and annuity consulting require depth — not breadth. Every client receives the same level of scrutiny regardless of asset size.

01 — Core Practice

Retirement Income
Strategy

Guaranteed income that holds regardless of what the market does. Built from a full picture of your assets, timeline, and risk tolerance — not from a product sheet.

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What this covers
  • Fixed index annuities & income riders
  • 401(k) rollovers & IRA transitions
  • Social Security coordination
  • Sequence of returns risk
  • Guaranteed lifetime withdrawal
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02

IRA & 401(k)
Rollovers

Your 401(k) and IRA shouldn't just sit there. Whether you're actively planning, changing jobs, or just found an old account — we'll show you exactly where it should go and how to move it without losing a dollar to taxes or penalties.

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03

RMD
Strategies

Most advisors only know how to spend down an RMD, not eliminate the problem at the source. There are advanced annuity strategies — built specifically around required distributions — that most of the industry either doesn't know about or doesn't bother explaining. If a five- or six-figure RMD tax bill is on your radar, this conversation is worth having before your custodian forces the issue.

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04

Life-Based
LTC Strategies

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. It's not something most agents lead with, because it's not something most agents fully understand.

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05

Life
Insurance

Life insurance isn't complicated — but it gets sold that way. We'll cut through the noise, tell you exactly what type and how much coverage makes sense for where you are in life, and make sure the policy you walk away with is the one that actually protects the people depending on you.

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“
He represents
one person.
You.
Sean Holguin · Holguin Consulting

The Advisor

Independent.
By Design.

He represents one person. You.

The retirement industry is built to sell you something. Sean built this practice to be the exception — the one call you make before you sign anything, or the one you wish you'd made sooner.

He doesn't represent a carrier. He doesn't have a quota. Every recommendation he makes lives or dies on one question: is this actually right for you? That's not a selling point. That's the entire model.

Licensed Insurance Professional · NPN #19493024 · Nationwide
IRA Rollovers & 401(k) Transitions
Life Insurance — Term, Whole, IUL, UL
RMD Strategies
LTC Strategies
Annuities & Retirement Income Specialist
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Income
Calculator

Your numbers. Adjust the inputs and projections update instantly. No email required to see the results. If the numbers interest you, we'll talk.

Conservative 5 Aggressive
Strategy Est. Monthly Income Guaranteed Growth Exposure
401(k) Only—NoFull Market Risk
Fixed Annuity (MYGA)—Yes3.5% Fixed
FIA + Income Rider—YesIndex-Linked Upside
Hybrid Strategy—PartialBalanced

Best guaranteed option: —/month with a Fixed Index Annuity + Income Rider. Illustrative estimates only. A conversation gives you the real numbers.

How it
works

Four steps. No surprise pitch at the end. Most people leave the first call with more clarity than they've had in years.

01
Discovery Call

30 minutes. We understand your goals, timeline, and current financial picture. You ask the questions you've been afraid to ask elsewhere.

02
Honest Assessment

We tell you what you actually need — not what earns the highest commission. If an annuity isn't right for you, we'll tell you that too.

03
Custom Strategy

A personalized plan with clear options, carrier comparisons, and transparent cost breakdowns. No fine print obscuring the real numbers.

04
Ongoing Relationship

Annual reviews. Policy service. Continued guidance as life changes. The work doesn't end when the policy is placed.

Client Perspective

What clients say after
working with Sean

“

Sean helped me understand annuities in a way no one had before. His calculator showed me exactly how I could get $600 more per month in guaranteed income.

MR
Michael R.
Engineer, 58 — El Paso, TX
“

Finally found someone who explains things clearly. Sean showed me how to protect my 401k from sequence of returns risk before I retire. Complete game changer.

JK
Janet K.
Teacher, 62 — Phoenix, AZ
“

Sean's approach is completely different. Direct, clear, and actually looking out for me. No high-pressure tactics — just honest advice.

JT
Jason T.
IT Manager, 45 — Dallas, TX
“

Sean walked me through every option without pushing a single product. I finally feel confident about my retirement income plan.

RL
Robert L.
Business Owner, 61 — San Antonio, TX
“

I was being sold an annuity I didn't understand. Sean reviewed it and saved me from a product that wasn't right for my situation at all.

SM
Sandra M.
Nurse, 54 — Albuquerque, NM
“

The calculator alone was worth it. Seeing the numbers side by side made the decision easy. Sean was straightforward the whole way through.

DK
David K.
Retired Teacher, 67 — Las Cruces, NM
“

Sean helped me understand annuities in a way no one had before. His calculator showed me exactly how I could get $600 more per month in guaranteed income.

MR
Michael R.
Engineer, 58 — El Paso, TX
“

Finally found someone who explains things clearly. Sean showed me how to protect my 401k from sequence of returns risk. Complete game changer.

JK
Janet K.
Teacher, 62 — Phoenix, AZ
“

Sean's approach is completely different. Direct, clear, and actually looking out for me. No high-pressure tactics — just honest advice.

JT
Jason T.
IT Manager, 45 — Dallas, TX
“

Sean walked me through every option without pushing a single product. I finally feel confident about my retirement income plan.

RL
Robert L.
Business Owner, 61 — San Antonio, TX
“

I was being sold an annuity I didn't understand. Sean reviewed it and saved me from a product that wasn't right for my situation at all.

SM
Sandra M.
Nurse, 54 — Albuquerque, NM
“

The calculator alone was worth it. Seeing the numbers side by side made the decision easy. Sean was straightforward the whole way through.

DK
David K.
Retired Teacher, 67 — Las Cruces, NM

Questions worth
asking

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 they 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 index annuities — no. Principal is protected. 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. We 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 manager. No product I'm required to recommend. I work with 20+ carriers and recommend what fits your situation — not what generates the highest commission.
No. Multi-state licensed and serving clients across the country. Where you live isn't an obstacle.
30 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 you pay is the same whether you go direct or through me. The difference is you get someone comparing options across 20+ carriers on your behalf.

Still have questions?

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Start the
conversation

You'll hear back within a few hours. If you'd rather pick a time now, Calendly is right there.

Phone915-490-8830
EmailConsulting@SeanHolguin.com
ScheduleBook a Free 30-Minute Call

Holguin Consulting Inc. · Sean Holguin, President
Licensed Insurance Professional · NPN #19493024
Multi-state licensed · Serving clients nationwide.

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Ready

Stop hoping.
Start knowing.

One conversation changes what you know. No pitch at the end — just a clear picture of where you stand and what's possible.

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