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.
Independent · Licensed Nationwide · NPN #19493024
Sean Holguin is an independent retirement income specialist. No carrier affiliation. No quota. One standard: the strategy that is right for you.
The Practice
Seven years. No script.
No preferred product.
No one to answer to but you.
Over $700 million placed across 500+ 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.
20+ Carrier Relationships
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.
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.
Begin the Process →Fixed, indexed, and SPIA. If you've been pitched one, we'll tell you if it's the right product at the right terms before you sign anything.
Get Started →Term, whole life, and IUL designed for your specific situation. Coverage built around your needs, not a carrier's preferred product.
Get Started →Key-person life, buy-sell agreement funding, executive retirement plans. Protecting what you've built with the same independence.
Get Started →The Advisor
He represents one person. You.
Sean Holguin is an independent insurance and retirement consultant serving individuals, families, and businesses nationwide — with deep expertise in life insurance, annuities, and retirement income strategies.
He doesn't represent a carrier. He doesn't have a quota. He built this practice because the people who needed honest retirement guidance weren't getting it — not because the information doesn't exist, but because almost everyone selling it had a reason to sell you something specific.
Your numbers. Adjust the inputs and projections update instantly. No email required to see the results. If the numbers interest you, we'll talk.
| Strategy | Est. Monthly Income | Guaranteed | Growth Exposure |
|---|---|---|---|
| 401(k) Only | — | No | Full Market Risk |
| Fixed Annuity (MYGA) | — | Yes | 3.5% Fixed |
| FIA + Income Rider | — | Yes | Index-Linked Upside |
| Hybrid Strategy | — | Partial | Balanced |
Best guaranteed option: —/month with a Fixed Index Annuity + Income Rider. Illustrative estimates only. A conversation gives you the real numbers.
30 minutes. We understand your goals, timeline, and current financial picture. You ask the questions you've been afraid to ask elsewhere.
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.
A personalized plan with clear options, carrier comparisons, and transparent cost breakdowns. No fine print obscuring the real numbers.
Annual reviews. Policy service. Continued guidance as life changes. The work doesn't end when the policy is placed.
Client Perspective
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.
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.
Sean's approach is completely different. Direct, clear, and actually looking out for me. No high-pressure tactics — just honest advice.
Sean walked me through every option without pushing a single product. I finally feel confident about my retirement income plan.
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.
The calculator alone was worth it. Seeing the numbers side by side made the decision easy. Sean was straightforward the whole way through.
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.
Finally found someone who explains things clearly. Sean showed me how to protect my 401k from sequence of returns risk. Complete game changer.
Sean's approach is completely different. Direct, clear, and actually looking out for me. No high-pressure tactics — just honest advice.
Sean walked me through every option without pushing a single product. I finally feel confident about my retirement income plan.
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.
The calculator alone was worth it. Seeing the numbers side by side made the decision easy. Sean was straightforward the whole way through.
Still have questions?
Schedule a Call →Fill out the form and I'll respond within a few hours. Or schedule directly on Calendly if you'd prefer to pick a time first.
Licensed Insurance Professional · NPN #19493024
Serving clients in all 50 states.
Client Intake
I typically respond within a few hours during business days.
Ready
A straight conversation about where you stand and what your options are. No pitch. No obligation. Just clarity.