Heart of a Teacher. Independent Advice. Zero Pressure.
Proudly serving the Ramsey community throughout the South East
My Favorite Dave Ramsey Quote
"We buy things we don't need with money we don't have to impress people we don't like."
My Favorite Dave Ramsey Book
The Total Money Makeover
This book transformed how I think about money and protection. Dave's advice provided a clear roadmap for my financial journey!
The 7 Baby Steps
- 1. Save $1,000 for Your Starter Emergency Fund
- 2. Pay Off All Debt (Except the House) Using the Debt Snowball
- 3. Save 3–6 Months of Expenses in a Fully Funded Emergency Fund
- 4. Invest 15% of Your Household Income in Retirement
- 5. Save for Your Children's College Fund
- 6. Pay Off Your Home Early
- 7. Build Wealth and Give
Ricardo Alonso
Why Use a RamseyTrusted Independent Insurance Agent?
It's simple: Choice, ethics, and professionalism.
A shocking number of people in our country grossly overpay for car, home, and many other types of insurance without even realizing it. A RamseyTrusted agent works for you, not the insurance company.
We are not limited to a single financial company's products or plans. As independent advisors, we can search dozens of insurance products and tools from many reputable insurance companies to find the best coverage at the best price for your unique situation.
And best of all, it's absolutely free to work with a RamseyTrusted independent insurance professional!
What Makes Us RamseyTrusted?
We've earned the RamseyTrusted endorsement by sticking to Dave's teachings, having the heart of a teacher and a high level of integrity.
Independent Advice
We work for you, not insurance companies. Our recommendations are based solely on your best interests and financial goals.
Competitive Pricing
Access to dozens of carriers means we shop aggressively to find you the best coverage at the most competitive rates available.
Personal Service
You'll work directly with Ricardo and his team—real people who answer calls, respond quickly, and genuinely care about protecting what's yours.
Vetted & Verified
Dave Ramsey's team personally vets every RamseyTrusted professional for integrity, expertise, and a track record of excellence.
Proven Excellence
We maintain the highest standards of professionalism and customer satisfaction to keep our RamseyTrusted status year after year.
Shared Values
We believe in financial peace, living debt-free, and protecting your family's future—the same principles Dave Ramsey teaches.
Dave's Do's & Don'ts on Insurance
Dave Ramsey recommends an overall approach to purchasing insurance that maximizes your protection and minimizes your costs. Here's the quick guide.
- Term life only — 15 or 20 year guaranteed level term
- Coverage equal to 10x your income
- "A" rated companies or better
- Protect your spouse & small riders for children ($10K–$20K)
- ✕Cash value plans (Whole, Universal, Variable Life)
- ✕Return of Premium plans — just another cash value trap
- ✕Accidental Death or Waiver of Premium riders
- ✕Sales tactics based on emotions or confusion
Not sure which coverage is right for you? We'll walk you through Dave's recommendations and find the best fit for your situation.
LionRater™ Insurance Price EstimatorHow Much Should You Be Paying for Insurance?
Use our LionRater™ Insurance Estimator to get an instant insurance estimate based on real Florida price data. No personal information required. See how your price compares to the state average.
Ready to Work with a Trusted Advisor?
As a Dave Ramsey Trusted Pro, we bring the same values of integrity, transparency, and excellence to every client.