Ed Rivas, President of Cherry Hill Financial, Shares his expertise from 35 years of the Life Insurance industry. Ed has saved his clients a combined of $3.1 million in premium since 1980. SHFC and CLU Accredited, Ed can secure the lowest rate from among the 45 companies he is contracted with, Even if you have a medical condition!

Universal Life

Variety of Shapes and Sizes

Universal Life comes in a variety of shapes and sizes. It can function like long-term term insurance. I can offer a guaranteed Death Benefit for a guaranteed premium for whatever period of time…

Whole Life

Accumulate Cash Value

Whole Life is a great way to accumulate cash value for the long term. Whole life is dividend based and the returns of dividends have outperformed any policy based on a current interest rate.

Term Life

Coverage at a fixed rate

Term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires coverage at the previous rate of premiums is no longer guaranteed.

Estate Planning

Gifting or estate tax exclusion

Under current estate planning law, everybody has a $5.25 million dollar exclusion for either gifting or estate tax exclusion.  If you do not use it, it automatically transfers to the surviving spouse.


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  • Protect your family and your loved ones.
  • Provide financial security for your family.
  • Build a retirement savings for your future needs.
  • Prepare for any long term care needs and expenses.
  • Cover final expenses.
Cherry Hill Financial August 6, 2014

Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Cherry Hill Financial and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Cherry Hill Financial and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.