We believe in making a difference, not just selling insurance...
Together, Laura and Miguel developed the name EFIS which stands for Educate First, Implement Second which is exactly how they run their agency. In order to truly make a difference in someone's life, they both feel education is key and the foundation in helping individuals and families achieve their financial goals. Unfortunately, financial literacy and education are not something that is taught in many schools or even a topic of discussion within many families. Once the educational foundation is set, listening to what an individual's goals are is important in establishing a financial and insurance roadmap/plan. Miguel and Laura are passionate about helping people with their financial and insurance needs and strive to provide the best service to their clients.
MEET MIGUEL A. HERNANDEZ
Owner & Licensed Agent:
Miguel has been in the life and health insurance industry since 2003. Prior to that, Miguel was a realtor and although is not actively engaged in that service he continues to maintain his real estate license. Wanting to assist his clients further, Miguel pursued his education and received his license to also become an investment advisor representative. As his career further developed, Miguel saw a need to assist seniors with their Medicare insurance needs and has been assisting seniors since 2013.
Education:
Life & Health License with the CA Dept of Insurance
Covered CA Certified Agent
AHIP Certified Agent
Series 65 - Investment Advisor Representative
Real Estate License
MEET LAURA OVIEDO
Co-Owner & Licensed Agent:
Laura has been in the life and health insurance industry since 2005. Prior to that, Laura was working as a Supervisor for a department within the Los Angeles County Employees Retirement Association (LACERA). Working at LACERA, Laura gained more knowledge about pensions and the importance of planning for retirement. That knowledge along with the realization that she wanted to offer financial education, guidance, and planning to other individuals and families eventually led her to establish EFIS Financial & Insurance Services.
Education:
Laura studied Social Welfare with an emphasis in Economics at University of California, Berkeley
Life & Health License with the CA Dept of Insurance
Covered CA Certified Agent