An independent brokerage built around one obligation.
New Era Financial exists to put families in the right contract with the right carrier at the right price — and to still be reachable ten years later when something changes. Independent by structure. Nationwide by reach. Client-first by standard.
The firm
New Era Financial is a wealth management team and financial services organization headquartered in San Antonio, Texas, with a second office in Austin, additional offices around the country, and licensed agents operating in all fifty states. We specialize in life insurance and retirement products: indexed universal life, final expense, term life, annuities, and 401(k) / IRA / pension rollovers.
We meet clients the way they want to be met. Some review illustrations by phone or video and sign electronically; others want someone at the kitchen table. Both are available in all fifty states. That structure keeps our overhead low, lets us serve a family in El Paso as easily as one in Tampa, and means your agent is available on your schedule.
Behind the agents sits a real operations bench — contracting, case management, client service, and compliance — so a policy doesn't stall in underwriting and a service request doesn't disappear into a voicemail box.
Independent, by structure
New Era is a brokerage — not a carrier, and not a captive agency. We hold appointments with more than thirty A-rated insurance companies. No single carrier owns us, sets our quotas, or decides what we're allowed to recommend.
This matters more than most people realize. Underwriting is not uniform across the industry. One carrier will rate a client with controlled diabetes far more favorably than another. One will price a fifty-two-year-old former smoker aggressively while a competitor won't touch the case. A captive agent has to work with whatever their one company says. We take the case to the market and let the carriers compete.
Our fiduciary duty is always to the client, never to the carriers. Every recommendation is measured against the client's outcome first.
A Brokerage
Independent. Appointed with 30+ A-rated carriers. Free to recommend any of them.
A Captive Agency
No parent insurer. No product quota. No incentive to steer you to one shelf.
Better Placement
The right carrier for your health, age and objective — often at materially lower cost.
The standard we hold
Four commitments every New Era agent operates under. They aren't marketing lines — they're how the work is graded internally.
Plain English
If a client can't explain their own policy back to us, we haven't done our job. No jargon, no illustration waved past at speed.
Numbers First
We show the math — income replacement, final expense, retirement gap — before we show a product.
Honest No
Sometimes the right answer is "keep the policy you have," or "you don't need this." We say it. It costs a sale and earns the relationship.
Long Service
Annual reviews, beneficiary updates, claims support. The client's agent is a person, not a 1-800 number.
Why this firm exists
Angel Moreno founded New Era Financial after a career built on competition — collegiate athlete, collegiate coach, and a run through blue-collar work and real estate before landing in financial services. What he found here wasn't a shortcut. It was a hundred-and-fifty-year-old business with real products, real economics, and an enormous number of families who had never had anyone sit down and run the numbers with them honestly.
The firm was built to close that gap on both ends: give clients an independent advocate with the whole market behind them, and give agents a structure where doing right by the client is also the way to build a career. Culture sets the standard. The standard is held by process. The process is what delivers for the client.
"We're not trying to be the biggest agency in Texas. We're trying to be the one a family calls back in fifteen years — and we're still here, and we still answer."
Have a question about your coverage?
Bring us your situation — or your existing policy — and a licensed agent will give you a straight read on it. No fee, no pressure.