Protect What Matters.

Understand What's at Risk.

You've worked hard to build your business, your career, your assets, and your future.

But how confident are you that everything you've built is properly protected?

Insurance is more than having a policy. It's understanding your risks, your responsibilities, and the things you may not even realize could go wrong.

With nearly two decades of experience in insurance and financial services, I help bring clarity to these important conversations.

Because what you don't know can cost you.

Experience Matters.

Relationships Matter More.

Welcome!

I'm a Florida native, a dedicated mother, and someone who genuinely enjoys helping people.

With nearly two decades of experience in insurance and financial services, my career has taken me through insurance consulting, agency leadership, business development, and private client risk management. Along the way, I've learned that protecting what matters most starts with understanding the people behind it.

Today, I'm part of Insurance Office of America (IOA), where I bring that experience and a broader perspective to helping individuals, families, and business owners make informed decisions about their financial protection.

I hold Florida 2-20 General Lines and 2-15 Life, Health, and Variable Annuities insurance licenses and am a Florida DBPR-approved continuing education instructor.

Above all, I'm passionate about education, honest conversations, and building lasting relationships. I believe in listening first, asking the right questions, and finding solutions that make sense for the people I'm helping.

I look forward to getting to know you!

~ Sonia

Experience builds knowledge. Relationships build trust.

More Than Insurance.

A Different Perspective.

Some of the biggest financial exposures aren't always obvious.

They can be hidden in contracts, policy exclusions, professional responsibilities, or simply assuming something is covered when it isn't.

With experience across property and casualty insurance, personal and professional liability, life and health insurance, and private client risk management, I bring a comprehensive perspective to protecting both your professional interests and personal financial future.

Through education, risk reviews, industry insights, and collaboration with experienced professionals, I help connect the dots between different areas of protection, making complicated topics easier to understand and important decisions easier to navigate.

The most expensive risks are often the ones you never saw coming.

Who I Help

Different people and risks,

the same need for protection.

I work with business owners, executives, board members, real estate professionals, and high-net-worth individuals who carry significant responsibilities, both professionally and personally.

For some, the concern is protecting a business, managing liability, or meeting contractual insurance obligations.

For others, it's safeguarding valuable property, personal assets, or their family's financial future.

Often, it's a combination of both.

Every situation is different, and the right questions aren't always obvious. My goal is to help identify potential exposures, bring attention to overlooked coverage gaps, and explore how different insurance solutions can work together.

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5-Star Google Reviews

Three conversations,

one clear direction.

I believe the best professional relationships begin with an honest conversation, mutual understanding, and the right people working toward a common goal.

Getting started is easy…

1. Discovery — Let's Get Acquainted.

We'll start with a complimentary 15–30 minute conversation to discuss your goals, concerns, and what you're hoping to accomplish.

Together, we'll decide if we want to move to the next step.

2. Strategy — Let's Bring Everyone Together.

If we agree to move forward, we'll schedule a strategy meeting with the appropriate owners, insured parties, and/or decision-makers. This allows us to share perspectives, discuss priorities, and make sure we're all on the same page before developing a plan.

3. The Plan — My Proposal and Recommendations, If Any.

Approximately one week later, we'll meet again, and I'll come prepared to address the questions and concerns raised during our discovery call and strategy meeting.

I'll share my findings, provide recommendations where appropriate, and present a proposal outlining the solutions I believe can help you accomplish your goals.

Whether we decide to move forward together or not, you'll have a complimentary, organized summary that you can reference in the future.

No pressure. No obligation. Just an opportunity to explore solutions.

Sometimes, the right solutions

begin with a simple conversation.

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