Confia Financial Corp.

What Confia Financial Corp. does

Confia Financial Corp. is a privately-held, founder-led financial services firm established in 1998 by Francisco Herrera in Illinois, operating from a Westchester, IL headquarters and a San Jose, CA satellite office. The firm specializes in bilingual Spanish-English financial advisory services for Hispanic families in the U.S. Midwest and West Coast, with insurance and investment licenses in Illinois (#2200374), Texas (#2267039), Indiana (since 2012), and California (#0179030). Its offering spans term, universal, whole life, final expense, and Fixed/Indexed Universal Life (FIUL) insurance, fixed and indexed annuities linked to S&P 500, Nasdaq-100, and blended indices, 401K/IRA rollovers, retirement planning, reverse mortgages, real estate purchase/sale/refinancing, and bankruptcy and foreclosure defense. The 2022-launched 'Dobleteando Tu Dinero' secured real estate investment program adds a direct-lending product offering tiered 12-48 month packages with 12-25% promised annual returns, backed by $40 million in collateral and an external custody company.

The business operates on a community-led and direct-sales go-to-market: two physical offices, an in-house call center, WhatsApp contact, community outreach through churches, schools, and nonprofits, and recurring radio and TV media presence across La Kaliente 1370AM, La Buena 94.3FM/990AM, and Radio 1450AM Chicago. Revenue mechanics rely on insurance and annuity product commissions, financial advisory fees, real estate transaction fees, and the Dobleteando secured lending program. The firm extends its service surface via an integrated partner network of licensed real estate brokers (Jeannette Diaz, Axel Juarez), a loan originator (Cristian Beltran, NMLS #1499533), and an attorney (Bard S. Michl, #6186839). No institutional funding, no M&A activity, no public revenue disclosure, and no technology or AI capability are evident in the source material, and the firm carries key-person concentration risk through its founder/CEO.

Name

Confia Financial Corp.

Legal name

Confía Financial Corp.

Website

https://confiafinancial.net

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Confia Financial Corp. is a privately-held, founder-led financial services firm founded in 1998, providing bilingual insurance, annuities, retirement planning, real estate, and the 'Dobleteando Tu Dinero' investment program to Hispanic families across Illinois, California, Texas, and Indiana.

Ownership category

akta.pro rank

Product category

Financial Advisory and Insurance Services

NAICS

Finance and Insurance (52)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Financial advisory services
• Life insurance products
• Retirement planning
• Annuity products
• Real estate investments

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Consulting Services: Revenue from providing financial advisory services including retirement planning, investment portfolio management, 401K and IRA rollovers, and comprehensive financial planning for families.
2. Insurance Products: Commissions from term life insurance (10, 15, 20, 30 years), universal life insurance, permanent life insurance, final expense insurance, and Fixed/Indexed Universal Life (FIUL) products.
3. Annuity Products: Revenue from fixed and indexed annuity products providing guaranteed income streams for retirement planning.
4. Real Estate Investment Program: The 'Dobleteando Tu Dinero' program generates returns from real estate development investments, offering 12% to 100% total returns over 12-48 months for minimum $10,000 investments.
5. Real Estate Services: Revenue from real estate transactions including home purchase, sale, short sales, and refinancing services through licensed brokers.
6. Reverse Mortgage Services: Facilitation of reverse mortgages for homeowners 62+ under federal HUD programs, enabling equity release from primary residences.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Confia Financial Corp. is a Hispanic-focused financial services company that provides insurance products (term life, universal life, whole life, FIUL, final expense), fixed and indexed annuities, retirement planning (401K/IRA rollovers), real estate services, reverse mortgages, foreclosure defense, bankruptcy assistance, education planning, and a real estate-backed investment program called "Dobleteando Tu Dinero." The company operates through bilingual Spanish-English offices in Illinois and California, delivering financial protection and wealth development programs to families.

Product overview

Confia Financial Corp. is a financial services company offering a comprehensive portfolio of financial products and services focused on the Hispanic community. The company provides: Retirement planning services including 401K and IRA rollovers; Real estate services encompassing buying, selling, refinancing, and foreclosure defense; Insurance products including term life, universal life (Fiul), whole life, and final expense insurance; Annuity products (fixed and indexed); Bankruptcy assistance; and the 'Dobleteando tu Dinero' investment program. The offering operates as a unified financial services platform centered around protecting and developing family finances through investment portfolios, retirement planning, insurance protection, and real estate services.

Differentiator

Problem solved

Functional benefit

Brands

• Dobleteando Tu Dinero: A real estate-backed financial strategy program that offers investment packages with guaranteed collateral of $40 million, promising returns from 12% to 25% annual interest over 12 to 48 month terms. The program allows investors to lend capital starting at $10,000, backed by four legal contracts and a custodian firm.

Products and services

• Reverse Mortgage
• Jubilación (Retirement Planning)
• 401K y IRA Roll Overs

Quantifiable outcome

• Double money in 48 months through secured real estate investments (25% annual returns)
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• Jeannette DiazcoreChannel Partner/ Reseller/ DistributorLicensed Real Estate Broker (#475201083) at EXP Realty LLC providing real estate purchase and sale representation for Confia Financial clients.
• Cristian BeltrancoreChannel Partner/ Reseller/ DistributorLoan Originator (NMLS#1499533) in Illinois providing home purchase and refinancing services for Confia Financial clients.
• Bard S. MichlcoreImplementation/ SI/ Consulting PartnerLicensed Attorney (License# 6186839) providing bankruptcy, foreclosure defense, and general legal representation services for clients facing legal financial challenges.
• Axel JuarezcoreChannel Partner/ Reseller/ DistributorLicensed Real Estate Broker (License# 471.019476 in Illinois) providing home purchase, sale, short sale, and refinancing services.
• External Custody CompanycoreImplementation/ SI/ Consulting PartnerExternal custody company providing legal protection for investor capital in the 'Dobleteando Tu Dinero' real estate investment program, legally backing capital and returns.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Primerica: Primerica sells term life insurance, mutual funds, and investment products through a national agent network aimed at middle-income households. It is highly comparable to Confia in offering an agent-led, multi-product financial services model serving Main Street families, although Primerica operates at vastly greater scale and uses an MLM-style distribution system.
• Edward Jones: Edward Jones operates one of the largest branch-based financial advisor networks in the U.S., focused on retirement planning, investments, and insurance for individual investors. Its physical-office, community-advisor model closely parallels Confia's office-based, face-to-face delivery approach.
• Mutual of Omaha: Mutual of Omaha underwrites Medicare supplement, life insurance, and annuities sold through independent agents and direct response. Its emphasis on retirement-age insurance and final-expense coverage overlaps with Confia's life insurance and senior-focused offerings.
• Ameriprise Financial: Ameriprise provides holistic financial planning, investment advisory, insurance, and annuities through a nationwide advisor force. Its comprehensive-plan philosophy and advisor-led retirement focus are a direct analog to Confia's bilingual integrated financial planning platform.
• New York Life: New York Life is a mutual insurer with deep offerings in term and permanent life insurance, plus annuities and long-term care. Its career-agent distribution and product breadth (especially retirement-income annuities) align closely with Confia's retirement-and-protection value proposition.
• Northwestern Mutual: Northwestern Mutual delivers life insurance, disability income, annuities, and investment advisory services through a captive advisor network. The product mix (especially FIUL and fixed/indexed annuities) and advisor-led delivery model directly mirror Confia's core offerings, but at institutional scale across all 50 U.S. states.
• Lincoln Financial Group: Lincoln Financial distributes life insurance, fixed/indexed annuities, and retirement planning products through advisors and independent producers. Its indexed-annuity and FIUL-style product lineup overlaps almost exactly with the insurance and annuity suite Confia sells.
• MassMutual: MassMutual underwrites and distributes whole life, universal life, and fixed/indexed annuities through financial professionals nationwide. Its indexed universal life and fixed-indexed annuity products overlap directly with the FIUL and annuity offerings that anchor Confia's product portfolio.

Emerging players

• Stash: Stash is a digital investing and banking platform that has invested heavily in marketing to Hispanic and multicultural first-generation investors. While the delivery model (mobile app) is opposite to Confia's, it is competing for the same emerging Hispanic investor cohort on retirement and investment management outcomes.

Broad incumbents

• State Farm: State Farm is a broad-line property & casualty and life insurer that distributes through captive agents in local offices nationwide. While its product set is far wider (P&C dominant), its Spanish-bilingual agent offices in Hispanic-heavy markets put it in direct customer-competition with Confia for the same household.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/confiafinancial
• YouTubeyoutube.com/@confiafinancialcorp

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Confia Financial Corp.