California Licensed Insurance Producer

BUILD TAX-ADVANTAGED
WEALTH YOUR
FAMILY CAN
ACTUALLY KEEP

Most blue collar families are working hard and saving into the wrong accounts. There is a better way — and nobody in the shop ever told us about it.

30 Min Call
$0 No Cost
100% No Pressure
CA Licensed
Book Your Free Strategy Call →
I call you · Se habla español · California residents only
Ricardo Medina — Herencia Wealth
RICARDO MEDINA
Founder · Herencia Wealth
CA License Active · #4493457
🔒CA License #4493457
🇲🇽Se Habla Español
🔧Former CNC Tech & Tesla Engineering Tech
📅Free 30-Min Strategy Call

WHAT THEY NEVER
TOLD US IN THE SHOP

The financial system was not built for workers like us. Here is what most blue collar families find out too late.

01
💸
Your 401k Gets Taxed Three Times in Retirement
Income tax on every withdrawal. It pushes you into a higher tax bracket. And there is a third hit most people never see coming — your Medicare premiums go up every month for the rest of your life.
It is called IRMAA. Almost nobody talks about it.
02
🛑
Borrowed Money Stops Growing the Moment You Touch It
When you borrow from your 401k those dollars stop earning. Dead money. Your whole crew leaves the job site. There is an account where you can borrow against your balance and keep it fully invested at the same time.
Same money. Two jobs. Simultaneously.
03
⚠️
Life Insurance Was Designed to Benefit One Person — Not You
Traditional coverage only pays when you die. Modern policies come with living benefits — access to your money for a critical illness, disability, or income accessed via policy loans — no taxable event under current tax law — while you are still alive to use it.
Protection should not only pay out after you are gone.
Ricardo Medina
CA License
#4493457
Life · Active · Exp 09/2027

RICARDO
MEDINA

Founder · Herencia Wealth · Insurance Producer

I was a CNC field service technician and then a Tesla Engineering Tech — and I thought I had made it. Then the layoff came. No warning. I had a wife, four kids, and a 401k I could not touch without losing money.

That moment showed me the system was never built to protect workers like me. So I became the person I wish I had back then — someone who speaks our language, knows our reality, and actually shows blue collar families the tools they were never given.

Herencia means inheritance. Legacy. That is what this is about — building something your family actually keeps.

CA Licensed Producer
IUL Specialist
Se Habla Español
Blue Collar Background
Former Tesla Engineering Tech
Hayward, California

WHAT HAPPENS IN
30 MINUTES

No jargon. No pressure. You leave with clarity on exactly where you stand and what your options are.

01
🔍
Review Your Current Plan
We look at what you have right now — your 401k, any existing life insurance, your savings strategy — and identify exactly where the gaps are quietly costing you money.
02
📊
Show You a Real Alternative
I walk you through what an IUL could look like for your specific situation — real numbers, real projections built around your income and goals. Not a template. Your actual picture.
03
🛡️
Protect What You Have Built
We make sure your family is protected if something happens to you — so that 20 years of hard work does not disappear overnight. Living benefits included, not just a death payout.
04
🗺️
Leave With a Clear Next Step
No obligation. No hard sell. You leave knowing exactly what your options are and what makes sense for where you are right now. The decision is always yours. Always.

WHAT FAMILIES ARE
SAYING

Real people. Real conversations. Real results. More coming soon as families build their herencia.

First testimonial
coming soon
Client story
coming soon
Real results
coming soon
Most Watched

THE VIDEO THAT 47K+ PEOPLE COULDN'T STOP WATCHING

Your 401k is secretly raising your Medicare bill — and almost nobody talks about it. Watch this first.

47K VIEWS
Watch on TikTok →
This Is What We Talk About On Your Free Call →

READY TO BUILD
HERENCIA?

Pick a time that works for you. I will call you at your scheduled time. No office visit. No cost. California residents only.

FREE STRATEGY CALL
Pick your time — I call you at your number
⏱️
30 Minutes
📞
Phone Call
🆓
No Cost
📍
CA Only
Choose Your Time →
Ricardo Medina Huitron · California Insurance Producer · License #4493457 · Active · Expires 09/30/2027
[email protected] · Hayward, California · California residents only