Welcome to Leto Financial & Insurance Services Inc.
Leto Financial & Insurance Services, Inc.
Established: April 2016
Founders: Antonio Gutierrez (President & CEO), Hector Ibarra (VP of Operations)
Our Approach:
Empowering Business Owners with Comprehensive Financial & Insurance Solutions
At Leto Financial & Insurance Services, INC., we are dedicated to empowering businesses with tailored solutions that safeguard their operations, optimize financial strategies, and secure long-term growth.
Comprehensive Commercial Risk Management
We work closely with business owners to ensure their companies are protected with the appropriate commercial insurance coverage. Our approach includes conducting annual reviews to adapt policies to evolving business needs. For example, changes in annual sales, staffing levels, or business expansions can significantly impact premiums and coverage requirements. By proactively addressing these variables, we help businesses stay prepared for the unexpected.
Advanced Financial Strategies for Growth and Security
Through our Advanced Financial Division, led by Tony Gutierrez and David Zuniga, we provide business owners with financial strategies designed to maximize growth and minimize tax burdens. These strategies include:
- Implementing profit-sharing plans to reduce taxable income and fund retirement.
- Establishing employee retirement plans, such as 401(k)s and SEP IRAs, to attract and retain top talent while providing significant tax advantages.
- Securing business succession planning, including evaluations and buy-sell agreements, to protect the company’s legacy and ensure smooth transitions.
Our team tailors these solutions to align with each business’s unique needs and goals, providing a roadmap for stability and long-term success.
Transportation Industry Expertise
For businesses in the transportation sector, our specialized division, led by Rosa Cuen, delivers industry-specific expertise and dedicated support. With a focus on providing superior customer service, we ensure transportation businesses have access to the best protection and resources available.
Group Health Benefits for Employee Retention
Our Group Health Division, operated by Anthony Lopez, equips businesses with the tools to attract and retain top talent through comprehensive employee benefits packages. These include medical, dental, and ancillary plans tailored to each company’s needs and budget. Offering employee benefits enhances satisfaction and loyalty while positioning businesses as competitive employers in their industries.
Agents Partnership Program
Our Agents Partnership Program has been a cornerstone of our success since 2018. Through this program, we empower agents to grow their businesses by providing them with tools, training, and opportunities to cross-sell effectively. To date, we have proudly paid over $2 million in compensation, demonstrating our commitment to the success of our partner agents.
Since our founding in 2016, Leto Financial has been driven by a vision to transform the insurance and financial services landscape. Under the leadership of Antonio Gutierrez and a team of seasoned professionals, we continue to innovate and expand, offering unparalleled value to businesses and agents alike. Our mission is to empower, protect, and grow—ensuring success for everyone we serve.
In February 2021, we were delighted to welcome Annabel Martinez to our organization as the Manager of Operations. Annabel plays a vital role in overseeing all the day-to-day operations, ensuring a smooth workflow within our organization. Her dedication to operational excellence allows us to maintain our commitment to delivering high-quality services to both our agents and clients.
In June 2022, Anthony Lopez joined our division leadership to manage the Group Health Insurance Division. Anthony's expertise is pivotal for all of our associate agents, particularly those with a current commercial lines book of business. His division opens up new avenues for our associate agents to offer Group Health Insurance to their existing commercial lines clients, creating additional value in their service offerings.
In August 2022, we proudly welcomed Rosa Cuen to our organization as the partner and underwriter of our Transportation Insurance Division. Transportation insurance presents unique challenges, especially for agents who are new to this specialized field. Rosa provides an extensive training program for our associate agents, equipping them with the fundamentals of Transportation Insurance. This training ensures that when our associate agents submit internal quote requests to Rosa's team, the application process is well-structured and optimized before being presented to the markets.
Wendy Gutierrez
Additionally, Leto Financial is excited to have Wendy Gutierrez and Bianca Rodriguez spearheading our Medicare Division. They are instrumental in creating strategies that help customers understand all the available benefits of Medicare. Their expertise not only benefits our clients but also paves the way for other agents to transition into this space with confidence. Wendy and Bianca's dedication to simplifying the complexities of Medicare is a testament to our commitment to serving our community comprehensively.
In March 2023 our latest partnership with Andre DeGazon in the Professional Liability Division was a critical step forward. It not only expands the potential markets our associate agents can now target but also ensures they have the proper Errors & Omissions (E&O) coverage to operate confidently. Andre brings to the table decades of experience in this specialized space, providing our team and clients with the expertise needed to navigate the intricacies of Professional Liability Insurance.
As we continue to evolve and grow, our commitment to providing the highest level of service and expertise to our agents and clients remains unwavering. At Leto Financial & Insurance Services, Inc., we are driven by our vision of transforming the insurance industry, one partnership at a time. Our dedication to education, training, and strategic alliances enables us to offer innovative solutions and drive the success of our associates in an ever-changing marketplace. We are proud of our journey thus far and look forward to shaping the future of insurance and financial services for many years to come.
Our Divisions:
Leto Financial comprises six specialized divisions, each managed by dedicated partners who bring extensive industry expertise to the table.
1. Transportation Division (Managed by Rosa Cuen):
Rosa Cuen: With 8 years of experience in the Transportation Insurance Space, Rosa Cuen leads this division. We leverage technology to enhance the training and submission processes for transportation insurance risks. Our agents must undergo rigorous training with Rosa Cuen before gaining access to the market, ensuring they are well-prepared to meet the unique needs of the industry.
2. Commercial Lines Division (Managed by Hector Ibarra):
Hector Ibarra: With over 13 years of experience in commercial insurance, Hector Ibarra heads our Commercial Lines Division. Our top priority is to equip new partner agents with a deep understanding of commercial lines through specialized training sessions. Once trained, our associate agents gain access to user-friendly online applications that streamline the commercial application process.
3. Financial Division (Managed by Antonio Gutierrez & David Zuniga):
Traditional & Advanced Financial Planning: Antonio Gutierrez and David Zuniga lead our Financial Division, which is divided into two segments. The traditional division focuses on new agents and offers products like Term Life Insurance, IUL, and Annuities. We pride ourselves on mentoring agents to transition to the Advanced Financial Division, where we work closely with business owners on advanced strategies such as Qualified and Non-Qualified Retirement Planning, Buy & Sell Agreements, Executive Bonuses, Business Valuations, and more.
4. Group Health Insurance Division (Managed by Anthony Lopez):
Anthony Lopez: With more than 6 years of experience in the Group Health Insurance Industry, Anthony Lopez leads this division. We simplify the complex world of group health insurance by breaking down available products, including Accident Insurance, Comprehensive Group Health Insurance, Cancer, Critical & Chronic Illness Insurance Coverage, Dental Insurance, Disability Insurance (Long & Short), Hospital Confinement & Indemnity Insurance, 401k plans, Income Replacement, Household Expense Coverage, Insurance Co-Payments, and Life Insurance.
5. Accounting | CFO
(Manage by Julian Garcia):
Allow us to introduce Julian Garcia, our esteemed Chief Financial Officer and Accountant, whose invaluable expertise has been instrumental in shaping our company's financial trajectory since 2021. Julian's astute understanding of financial dynamics and strategic planning has played a pivotal role in propelling our company toward sustained growth and success. With a keen eye for detail and a profound understanding of cash flow management, Julian ensures that our financial strategies are not only robust but also aligned with our long-term goals. In addition to his role with us, Julian is the proud owner of JMG Tax & Accounting, a reputable firm renowned for its excellence in financial and tax services. Recognizing the synergy between our organizations, Leto Financial has partnered with JMG Tax & Accounting to provide comprehensive assistance to fellow business owners in implementing strategic financial and tax-saving strategies. Together, our collaboration offers a unique blend of expertise, ensuring that businesses can optimize their financial health and achieve their objectives with confidence.
6. Personal Lines Division:
Introduction: Our Personal Lines Division is designed to provide a pathway for agents to gain access to Admitted carriers. We start by allowing them to submit quote requests to our internal team. Once an associate agent has been able to write a qualified book of business based on our partner carrier guidelines, typically involving Package Business and High Limits of Liability, the opportunity for them to obtain direct binding authority may be provided, though it's not guaranteed.
