I’m Sierra Richey — Wealth Strategist and financial educator. I help motivated people — especially those building a second career — build a real business in financial services from home that can replace a corporate income, without relocating, quitting cold, or risking their family’s security. No experience required. Training and licensing support included.
Four numbers — the size of the moment, the market driving it, the need behind it, and how you deliver.
Not because they don’t work hard — but because no one ever showed them a plan, handed them a system, or believed in them enough to mentor them. This is exactly what we exist to change — for the families who need protection, and for the driven people who deserve a real opportunity.
of Americans live paycheck to paycheck — including millions of people earning six figures. For many families, income is coming in, but nothing is truly being built.
of Americans could not cover a $1,000 emergency with savings or available cash. One car repair, medical bill, or missed paycheck can push a household into debt.
of adults say the largest emergency expense they could cover with savings is less than $500 — including 18% who say they could handle less than $100.
of people carrying credit card debt say that debt has forced them to delay important financial decisions like saving, investing, or buying a vehicle.
of adults carry some form of medical or dental debt. For millions of families, a health issue can quickly become a financial crisis.
of Americans cannot correctly answer at least five out of seven basic financial knowledge questions. Most people are expected to make major money decisions without ever being properly taught how money works.
of American adults do not have life insurance. That means millions of families have no protection in place if an income earner dies unexpectedly.
of American adults say they need life insurance or need more of it — representing roughly 100 million people who are uninsured or underinsured.
of U.S. adults have no retirement investments. For millions of people, retirement is not a plan — it is a hope.
of Americans say money is a significant source of stress. Financial pressure does not stay on a spreadsheet — it shows up in people's health, marriages, energy, sleep, and quality of life.
76 million Baby Boomers have driven every major industry boom for 75 years. Now they're entering retirement — and transferring $84 trillion in the next two decades. This is the moment this opportunity was built for.
Wherever Boomers went, entire industries exploded. Every decade tells the same lesson: the smart money positioned itself in front of them. Today, the smartest move is helping families protect and pass on what they’ve built — and that is exactly what this opportunity is built to do.
76 million babies were born between 1946-1964. Industries scrambled to meet them. Gerber became a household name. Pampers turned disposable diapers into a $4 billion industry overnight. Every product they touched became a market.
Boomers became teenagers — and reshaped American spending forever. Barbie became a $1 billion brand. The Beatles dominated radio. Hot Wheels, rock & roll, and youth fashion turned teen culture into an economic force that adults had to reckon with.
Boomers married, had kids, and bought their first homes. Family vehicles got redefined — station wagons rolled into every suburb. First-time home buying surged nationwide, kicking off a generation-long real estate boom that still shapes the market today.
Chrysler minivans sold millions. The housing market exploded as Boomers upgraded to bigger homes. 401(k)s went mainstream for the first time — and Boomers started funneling billions into Wall Street. This decade is when serious wealth accumulation began.
SUV sales skyrocketed. Home values doubled. Stock portfolios surged through the tech boom. These were Boomers' highest-earning years — and they built unprecedented wealth. By the end of this period, the richest generation in human history had emerged.
We are at the center of the largest intergenerational wealth transfer in human history. Over the next 20 years, $84 trillion will move from Boomers to their heirs. They need licensed professionals — right now. This opportunity trains and equips you to be on the right side of that transfer — helping families plan today, protect tomorrow, and leave a legacy.
Whether you want to refer people without a license, test the waters with a side hustle, make the jump full-time, or step into leadership and build a team — every path is real, and we'll help you walk it.
Don't want to get licensed? You don't have to. Connect people you know with a licensed agent on our team — and earn a thank-you for every qualified introduction that turns into a client.
Earn extra income on your schedule, evenings or weekends. Keep your day job. Build at your pace. Test the business with no pressure.
Make this your career. Work remotely. No income ceiling. Build a book of business serving families — with the freedom and flexibility most jobs don't offer.
Step into leadership. Recruit, train, and develop your own team of builders — and earn override income on the business your team produces as you grow together.
Your income grows with your title. The more you produce — and the more agents you develop — the higher your contract level. In this business, contracts climb from 40% as a new Associate all the way to 85% as an Executive Marketing Director. Here's exactly how the ladder works.
You start as an Associate at 40%. As you produce more business and develop your skills, you advance to Senior Associate at 50%, Marketing Director at 60%, Senior Marketing Director at 70%, and ultimately Executive Marketing Director at 85%.
This is straight commission on the products you sell — no income is earned for recruiting. You earn when families buy plans that protect them. Produce more, climb faster. That’s the whole model.
Personal percentages may vary based on advancement level, carrier, and product type. All compensation plans are subject to change. Field title designations are determined by Global Financial Impact.
Here are two hypothetical scenarios — one part-time, one full-time — modeled using standard personal production contract levels. These are illustrative examples only — no two builders are the same, and there is no guarantee any specific income will be achieved. Use them as a model, not a promise.
$400 monthly savings × 12 months = $4,800 annual premium per household.
At Associate (40%): $4,800 × 40% = $1,920 per sale.
Two households per month × 12 months = 24 sales/year.
Hypothetical scenario for illustrative purposes only. There is no guarantee these results can or will be achieved. Income varies based on production, advancement level, carrier, and product type. Income is earned solely from product sales — never for recruiting.
$500 monthly savings × 12 months = $6,000 annual premium per household.
At Executive Marketing Director (85%): $6,000 × 85% = $5,100 per sale.
One household per week × 52 weeks = 52 sales/year.
Hypothetical scenario for illustrative purposes only. There is no guarantee these results can or will be achieved. Income varies based on production, advancement level, carrier, and product type. All percentages and structure are subject to change.
Anyone can hand you a contract. This platform gives you the carriers, the technology, the training, and the leadership to actually build something — and a mentor in your corner who has done it.
Step into leadership: develop builders, lead a team, and earn override income on the business your team produces as you all grow together.
Top-rated insurance carriers under one platform — life, annuities, IUL, term, whole life. Always have the right product for the family in front of you.
Personal contracts up to 85% plus builder bonuses. Recurring renewal income. Bonus pools. Multiple ways to grow your income at every level.
You're not figuring this out alone. Our team has a proven sales system, training framework, and field-tested client conversation that just works.
You're surrounded by builders who've been where you are. Real mentorship from people writing real business — not corporate trainers reading slides.
A modern technology platform built for serious builders. CRM, lead pipelines, recruiting workflows, training delivery — all in one place.
Hit production goals, qualify for incentive trips with leadership and other top builders. The kind of trips most jobs never offer.
This isn't just a job. This business is built around contribution — to the families we serve, the communities we live in, and the missions we believe in.
Never been licensed? We walk you through pre-licensing study, the state exam, and your first appointments step by step — most new builders launch in weeks, not months.
Most jobs pay you one way: hourly or salary. This opportunity has six different ways for income to flow to you. Some you build today. Others compound for years.
The commission you earn directly on every personal policy you write. The foundation everything else is built on.
Override income on every policy your team produces — a percentage on each level of your downline.
When your team builders develop their own teams, your business grows with theirs. You grow as they grow.
Production-based bonus pools at every level. Hit milestones, hit qualifications, get paid more for the same work.
Many of the products you place pay renewal commissions for years after the sale. The work compounds.
Long-term builders can qualify for stock and equity options — adding real long-term upside to a sales career.
78 million Baby Boomers (born 1946–1964) are retiring or already retired. By December 31, 2030, the last Boomer turns 65. Their retirement assets, IRAs, 401(k)s, life policies, and estates represent the largest wealth transfer in human history — roughly $68 trillion.
Most of these families have never sat down with a real advisor. There's never been more demand for honest agents who can sit at the kitchen table and help families plan, protect, and pass down what they've built.
Sierra Richey is a Wealth Strategist and financial educator — and she’s building a team of people who want to win by helping families win.
Most hardworking people aren’t failing financially — they’re succeeding at a job that never builds anything of their own. Sierra built a different path, and now she helps others do the same: a real business in financial services that can replace a corporate income from home, on their own terms.
True freedom isn’t built on transactions; it’s built on transformation. Beyond income, Sierra teaches families to build a complete Financial House — Income, then Protection, then Wealth, in the right order — and she develops the people who want to go do the same for other families, at scale. She walks new builders through licensing, trains them on a proven system, and develops them into professionals families can count on.
Her mission is simple: people who lead, families who win, builders who create something that outlasts them. Build wisely. Protect intentionally. Lead with purpose. Leave a legacy.
Take care of the family at the table, and take care of the people you build with.
30 minutes. On Zoom or by phone. No pitch deck, no pressure. Just an honest conversation about whether this fits — and what your life could look like if it does.