Difference Financial

Achieving Dreams

About Us

Difference Financial provides financial and insurance services for people from all walks of life. We are a unique organization that believes in empowering people through financial fundamentals, thus creating monetary value for them and making a difference in their life. Our senior advisers have over 100 years of combined experience in the financial services industry. With our expertise, we are able to work hand-in-hand with business owners, professionals, teachers, families, and individuals who want to build stable wealth now and into the future. We are proud of the community we have built and is the reason it motivates us to be the best at what we do.

Our Mission

To empower the world through financial education and provide the best opportunities for people to live financially free.

Difference Financial Roadmap

1. Design A Plan
Establish your goals and dream
Create a time line to achieve them

2. Establish Proper Protection
Protection Against Unexpected Income Loss
Protection with Living Benefits

3. Increase Cash Flow
Manage expenses
Earn additional income

4. Create A Reserve Fund
Save for the unexpected
Reserve at least three to six months of income

5. Asset Growth & Protection
Increase long-term wealth and minimize taxation
Preserve Your Estate
Guarantee lifetime income
Educational savings plan

6. Implementation & Adjustments

Start the plan today
Annual reviews and adjustments to life's changes

Menu of Services

Retirement Qualified & Non-Qualified Plans

  • 401k & Pension Rollovers
  • 403b Plans
  • 457 Plans
  • IRA
  • SEP IRA
  • Simple IRA
  • Roth IRA
  • Fixed & Indexed Annuities
  • Multi Year Guaranteed Annuities
  • Single Premium Immediate Annuities
  • New Start-up Monthly Contribution Annuities

Life Insurance

  • Traditional Term Life
  • Term Life with Accelerated Living Benefits
  • Return of Premium Term
  • Whole Life
  • Universal Life
  • Indexed Universal Life
  • Final Expense
  • Premium Financing
  • Key Person Insurance
  • Second-to-Die Life Insurance

Business Solutions

Qualified Plans

  • Defined Contribution Plans (ex: Profit Sharing Plan)
  • Defined Benefit Plan (412(e)(3) Plan)
  • Larger Tax Deductible Contributions

Non-Qualified Plans

  • Restrictive Executive Bonus Plan - Section 162
  • Key Person Life Insurance - Tax Deductible Fringe Benefit to Select Key Employees
  • Split Dollar Plan
  • Non-Qualified Deferred Compensation/Salary Continuation

Business Continuation and Transition

  • Buy-Sell Agreements - Formal exit strategy and funding it.

Who We Serve

We strive on helping our clients realize their dreams while meeting their day-to-day needs. It all starts with a non-biased perspective. Difference is not solely partnered with any financial or insurance company. This allows us to give our clients a service or solution that is best for them.

Individuals and Families

A vital need exists in today's modern world for a dynamic company like ours to touch people's lives and make major financial impact upon them and their families. At DIFFERENCE , we believe the path towards financial well-being first begins with education. We give individuals and their families an opportunity to become financially independent by offering a wide array of options tailored to fit their particular situations. We are a firm which takes an unwavering stand on the countless families that have been overlooked and ignored for far too long by the mainstream financial industry as a whole.

Business Owners

One the biggest challenge facing business owners is taxes and a proper exit strategy. We specialize in delivering tax advantaged strategies to business owners that can potentially dramatically reduce their taxes so they can prepare for a viable exit strategy and ensure their assets and liabilities are protected at all times and can successfully transition into retirement with peace of mind.

Schools and Public Service

We honor those that serve a purpose greater than themselves. We ensure that when retirement starts your income never stops. We specialize in providing school & public employees with income solutions to ensure they establish a lifetime income that never ends and is protected entirely from market volatility.

Our company was founded with making a difference in people’s lives by providing them with an honest and real opportunities to have financial security. Our heart and number one passion is helping families from all walks of life no matter how big or small by educating them and empowering them with the best options available to fit their needs.
Dago Zuniga, MS, RFC

CHAIRMAN & CEO, Difference Financial

REPRESENTING THE LEADING PROVIDERS IN THE INDUSTRY

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Testimonials

Difference Financial & Insurance Services is an exceptional company with the highest ethical and moral standards, personalized service, and a team of truly caring individuals.
C S

Difference is the best financial services company I have worked with. Knowledge and expertise delivered with a smile and the highest ethical standards always. Difference is a company you can trust.
C R

Senior Wealth Advisor, Yuma, AZ

Difference is a movement to provide everyday common people an uncommon opportunity to become financially independent by learning how to build a business and build passive income. I absolutely love the way we teach people the fundamentals of how money works along with setting people up financially for retirement. Powerful!!!

K S