My name is Gilda Moshir, I have been an educator for over 27 years, I had the privilege of staying home to parent my 2 boys and got the best education possible watching them grow.  Enjoying the time with my kids inspired me to pursue my Certification to get into Preschool Education. 

I ran a Developmental Nursery School with a 70-year history and tradition for 7 years.  While I was at the preschool, I learned that parents need guidance and hand-holding once they have children and I became a conduit to help those parents navigate the early years of parenting.  While I continued developing as an educator, and my kids grew older, as a Gen X’er my attention turned to my father who had been diagnosed with Parkinson’s the last 10 years of his life.  The last 2 years of his life being the most turbulent, I became a caregiver with my mom for my father and during those caregiving years, I realized how Early Childhood Education and Senior Education are similar.  The difference being back then not many people were educating seniors and working with kids was more popular. 

Today, that has changed with the “boomer” population retiring at a rate of 10,000 per day, more and more people today are in the senior services industry.  Back then not many were educating the “Sandwich Generation” either – that was me – I was the Gen X generation that was “sandwiched” between my kids and parents.  No one was talking to me about – life insurance – how much money I’d have in retirement, how long my income would last me into retirement.  So, in 2013 I found myself exploring the field of financial services. I decided to get into the world of Life insurance and started educating myself, my family and friends about the value of getting set up for life’s “curve-balls”.  I got my Life, Health and Accident Insurance License an became well-versed on everything related to retirement, life insurance, long term care and aging.

I didn’t want my parents’ experience to be the experience of others, no one had “knocked on their doors” as immigrants, they had always worked for themselves and never had paid into a retirement in this country.  I wanted to change that for other immigrants, self-employed and aging folks and I wanted to become an expert to the people who are in the “Sandwich Generation” the kids, the parents, the grandparents and the seniors. 

For the past 10 years, I have been serving my clients in various ways, I educate my clients on the myriad of options available to them to protect their family and assets.  I work with 50+ A rated major life insurance companies who offer financial solutions that serve to protect and to build a supplemental retirement.  I have access to all the different types of life insurance ranging from term insurance to whole life to universal life to indexed universal life, return of premium, guaranteed life insurance and funeral expense policies. 

As a broker I can compare rates among the major carriers I represent and give my clients options that fit their budget.  I offer retirement solutions for Gen X and Seniors who are contemplating retirement and setting up tax-free advantaged accounts.  My goal is helping my clients in diversifying their options when it comes to growing their money – I educate families on tax now, tax later and tax never accounts that can help us as we go through different stages of our lives.  When we first start out, we may be risky in our investment tolerance and as we go through life, we become more conservative.  For every stage of life there is a solution that can help us protect our “nest-egg” and our families.  This is what I strive to do each and every day.

I can protect families with the following solutions:  Personal life insurance, mortgage protection, college planning through life insurance, retirement accounts such as IRA’s and Fixed Indexed Annuities, supplemental retirement accounts, rollovers – old 401K’s can be rolled over into IRA’s or Roth IRA’s, long term care, final expense policies. 

For businesses I offer SEP IRA’s, business insurance, key-person insurance protects key individuals in a business so when a loss occurs, their wisdom can be recovered and passed on.  I can set up buy-sell agreements between partners so partners can protect the knowledge each partner and recover from a loss when it occurs.

Some of the companies I represent are AIG, Corebridge, National Life Group, North American, Fidelity & Guaranty, Athene, Transamerica, Pac Life, Prudential, Foresters, Banner Life, Assurity, Protection Life, Anico and much more.