Gilberto “Gil” Padua
Insurance & family protection
40 years in insurance helping protect families, supported by 40 years of tax experience. Gil also handles health and Medicare inquiries.
Ask for Gil →Padua Financial Services · Opulence™ by Choice
You ask.
We answer.
You decide.
Questions about retirement money, family coverage or protecting your business? Start with a clear answer.
Find My AnswerNo-charge insurance and rollover conversations. No obligation to purchase. Costs, compensation & a sample review
Family protectionRetirement transitionsBusiness continuity
What would you like to ask?
Tap a question. Read the short answer.
ROLLOVERS & RETIREMENTI left my job. Should I roll over my 401(k) or leave it alone?
Read the answer
Compare leaving the money in your former employer’s plan when permitted, moving it to an accepting new employer plan, and IRA options. Costs, access to money and available features matter. A rollover or annuity is not automatically the right choice.
I’m leaving military or federal service. Can I keep my TSP?
Keeping eligible savings in the TSP is an option to compare with a new employer plan or an IRA. Review your plan rules and needs before moving money.
What should I check before signing rollover paperwork?
Ask about all costs, withdrawal rules, tax consequences, investment choices and the professional’s compensation. Get answers about both your current plan and the proposed alternative.
Ask About My Retirement AccountCompare retirement options →FINRA: TSP rollover considerationsLIFE & FAMILY COVERAGEHow much life insurance do I need—and what can I afford?
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Start with the people who depend on you, the bills they would face, and the savings and coverage you already have. Then compare coverage amounts and premiums you can maintain.
I have life insurance at work. Is that enough?
Compare the benefit with your family’s needs. Ask your employer what happens to the coverage if you leave or retire; do not assume it continues unchanged.
Should I keep my current policy or replace it?
Review its coverage, premiums, limitations and benefits before considering a change. A review does not require replacing your policy.
Ask About My Family’s CoverageExplore family protection →NAIC: life insurance questionsLIFE INSURANCE FOR BUSINESSIf I or my business partner dies, how would the business keep going?
Read the answer
Start with who would run the business, which bills would continue, and what your family or partners would need. Business life insurance planning can address different needs from a personal policy.
Can life insurance help fund a partner buyout?
It may provide funding for a buy-sell agreement. The agreement, business value, policy ownership and beneficiaries need coordinated legal, tax and insurance review.
What if we lose a key employee?
Key person life insurance can provide money to the business after a covered death. Review the financial impact and whether the policy amount and cost fit the business.
This discussion concerns life insurance for business needs. Property, liability and workers’ compensation coverage require separate review.
Ask About Protecting My BusinessExplore business life insurance →NAIC: small-business insuranceI’m approaching Medicare age. Where do I start?
Organize your current coverage, doctors, prescriptions and timing questions. Gil handles health and Medicare inquiries through the separate approved authorization and Scope of Appointment process, subject to service availability.
Explore Medicare guidance →Padua charges no fee for insurance consultations or rollover services. Insurance premiums and account or product costs may apply. Tax and advisory pricing is separate—see below.
REAL PEOPLE. PERSONAL GUIDANCE.
Meet your Padua team.
Tell us what you need. You may request a professional; Gil confirms availability and the right person for your state and service.
Frances J. Padron
Life insurance & annuities
Frances helps young families and business owners explore protection needs. Raised in a military family, she brings that perspective to conversations.
Ask for Frances →
Patricia Comesanas
Life insurance for families & businesses
Patricia helps families and business owners explore life insurance around their needs, priorities and budget.
Ask for Patricia →
Omar Delacruz
Real estate & insurance
Omar is a real estate agent dedicated to helping families and investors. As an insurance agent, he also helps families explore their protection needs.
Ask for Omar →Service availability and professional authority are confirmed before a conversation is arranged. Insurance services depend on current state licensing and carrier appointments. Real estate services are separate from Padua insurance services. A professional preference does not confirm eligibility or book an appointment. Read team backgrounds and licensing information →
THE DETAILS THAT MATTER
Clarity before
commitment.
What it costs. How we’re paid. When staying put may make sense. You deserve the full picture before you decide.
When might keeping what I have be the better choice?
A change needs a reason. Compare your existing arrangement with the alternative: costs, access to money, features, and the help you need. An existing retirement plan or policy may still meet your needs. Reviewing it does not commit you to moving money or buying insurance.
For retirement accounts, compare staying in the plan when permitted, moving to an accepting employer plan, and IRA options. Do not assume an annuity is the next step.
How does Padua get paid—and what might I pay?
Padua charges no fee for insurance consultations, insurance services, retirement-account options conversations or rollover services. If you purchase a policy or annuity through us, Padua may receive a commission from the insurer. That creates a financial incentive to make a sale, which you deserve to understand.
No Padua service fee does not mean a product or account has no costs. Premiums and applicable account, investment, product or outside-provider charges may apply.
Tax planning starts with a free 15-minute introductory conversation. Further tax work is $285 per hour. Advisory services carry separately agreed fees. Scope and fees must be agreed before paid work begins; an inquiry does not authorize paid work.
What are the drawbacks—and what don’t you provide?
Insurance can involve premiums, charges, exclusions and restrictions. Access to money and the consequences of changing an arrangement need careful review. Ask for the actual contract terms and applicable costs before deciding.
Education, insurance services, tax work and regulated investment advice are different services. This website provides general education. Insurance availability depends on verified licensing and carrier appointments. Legal or regulated investment advice requires an appropriately authorized professional; availability and scope must be confirmed.
Show me what a careful decision review looks like.
ILLUSTRATIVE SAMPLE · NOT A CLIENT RESULT
A job change. An old retirement account.
The question: “Do I need to move my account just because I left my job?”
- Goal
- Understand the choices before changing the account.
- Options to compare
- Stay in the existing plan when permitted; use an accepting employer plan; consider an IRA. A cash distribution requires separate review of its consequences.
- Information still needed
- Plan rules, actual fees, investment choices, access needs, benefits and any proposed account or product terms.
- Costs and compensation
- Document existing and proposed charges, who receives compensation, and any financial incentive to recommend a change.
- Present conclusion
- There is not enough information to recommend a move or a product.
- Next step
- Obtain the plan documents and compare the alternatives. The client decides after the open questions are answered.
This demonstrates a proposed review format, not an individual recommendation, completed client case or promised outcome.
A SIMPLE START
An answer first.
Your next step second.
- 01Choose your question.
Read the short answer without sharing contact details. Just researching? You are welcome here.
- 02Explore what matters to you.
Open the detailed guide only when you want more information.
- 03Ask about your own situation.
When you are ready, request a conversation. Gil confirms the scope, availability, time and any applicable fees. You choose whether to proceed.
What is free, and when do fees apply?
Padua does not charge for insurance consultations, insurance services, retirement-account options conversations or rollover services. Insurance premiums and account, investment, product or outside-provider costs may apply.
Tax planning starts with a free 15-minute introductory conversation. Further tax work is $285 per hour. Advisory scope and fees are agreed before work begins. Submitting an inquiry does not authorize paid work.
Explore tax planning →Looking for Self Banking, a guide or another planning topic?
Explore policy reviews, business protection, cash-value life insurance, special-needs trust funding, and family or retirement resources at your own pace.
Explore Self Banking →Browse all topics & resources → · Free guides · Workshops
Service availability & important information
Education, tax consultation and insurance services have different scopes. Insurance services depend on current state licensing and carrier appointments. Medicare plan discussions follow the separate approved authorization/SOA process. Padua does not offer health or Medicare products in California.
General education is not individualized legal or investment advice. Guarantees depend on the issuing insurer’s claims-paying ability. No outcome or suitability is guaranteed.
How our services work →Let’s talk about
what matters to you.
Ask Gil About My Situation →
Your appointment time is confirmed separately.