About Us

We are a married couple with over 30 years of experience in life insurance and financial advisory services. In 2005, we founded Universal Wealth Managers LLC in Coral Gables, Florida, to help clients achieve financial independence.

During the 2008 financial crisis, we recognized that "conventional financial wisdom" was based on flawed premises. To effectively serve ourselves and our clients, and to protect them from the greed, corruption, and irresponsibility of Wall Street banks and financial institutions, we felt a paradigm shift was necessary. After thoroughly studying the Infinite Banking Concept, we realized that the only way to control our financial future was to take charge of the banking function ourselves. We were trained in the Infinite Banking Concept by Nelson Nash and are both designated as Infinite Banking Concept® Authorized Practitioners, bringing proven expertise to guide you on your financial journey.

Since 2008, our primary focus has been educating prospects and clients about the Infinite Banking Concept. We assist them in implementing this concept by designing high-cash-value, dividend-paying whole life insurance policies, also known as IBC policies. We have extensive expertise in the design, structure, and internal mechanics of whole life policies and have been featured as guest speakers at the IBC Practitioners' Think Tank Symposium.

We have successfully designed thousands of IBC policies for clients across all 50 States. We respond to your inquiries within 24 hours and are dedicated to servicing your policies with care and commitment for many years to come. Our services are provided at no cost to you, as we are compensated by the insurance companies we represent, ensuring your best interests are our top priority.

We operate virtually and by appointment only.

Isis holds an LUTCF and an MBA with an emphasis in Financial Planning, graduating with the highest honors from Barry University in Miami Shores, Florida.

Pedro has earned a Bachelor's, Master's, and Ph.D. in Engineering and Applied Mathematics, along with an MBA focusing on Strategic and Financial Planning, all with the highest honors from Columbia University, an Ivy League institution in New York City.