The Owner's Manual
to New Era.

Welcome

First off — I appreciate you taking the time to read this.

My goal isn't to convince you this is the right opportunity. My goal is to give you complete transparency about who we are, how the business works, and what we expect — so you can decide if we're the right fit for each other.

If you finish this page excited about what we're building, I'd love to have a conversation.

Who We Are

New Era Financial is a financial services company specializing in life insurance and retirement planning — home base in San Antonio, Texas, licensed in all 50 states through each state's Department of Insurance.

Right now we're actively growing the financial services side of the business: helping everyday families protect their income and their future.

How The Business Works

We're a lead-based business. We purchase warm leads — real people who already requested information about life insurance or retirement products through Facebook, Google, and other platforms.

• No cold calling
• No door knocking
• No bothering friends or family
• 100% virtual sales — sell from anywhere. And whether you're in our San Antonio office or fully remote: same locker-room culture, same standard.
• Licensed in all 50 states

And when you strip everything else away, this whole business comes down to four things:

What A Typical Day Looks Like

Most of your day is calling warm leads, understanding each family's situation, educating them on their options, and helping them enroll when it's the right fit.

Every person you call falls into one of three buckets:

• They don't remember requesting information.
• They're still gathering information.
• They're ready to move forward.

Your job is to identify who genuinely needs help — and serve those families.

How You Get Paid

This is a 1099, 100% commission business — performance pay, no salary, no ceiling. Here's the structure:

• Paid per placement. Every policy you place pays a commission — directly from the carrier to you. We never touch, hold, or dock your money.
• Three income streams on every sale: an advance up front, back-end commission months 10–12, and residuals that pay for years on every policy in force.
• Uncapped. Your skill and your consistency set the number — nothing else does.

And here's the part almost nobody explains: your expenses don't climb with your income. Lead spend levels off early — while your skill keeps compounding. The gap between those two lines is your skill set:

Concept only — no figures on purpose. Leads buy the at-bats; reps sharpen the skill; past the early months, skill — not spend — is what grows the business. The early investment phase is the system working, not failing.

The Lead Program

The biggest question people ask: "Do I have to buy leads immediately?"

No.

Super simple — there are two lanes into this business:

Two lanes, same road. Most start in Lane 1 and graduate into Lane 2 — because like every successful business, investing in customer acquisition is how you scale. That's a decision you grow into, not a bill you start with. We'll map your lane on the call.

Getting Started

• Life & Health Insurance License — pass your state licensing exam.
• Roughly $100–$200 (depending on your state) for licensing and fingerprinting — paid to the state, never to us. Pass your exam in your first 7 days and we reimburse it 100%.
• We walk you through everything — study material provided, guided from start to finish.

Full-Time or Part-Time

Both paths exist. People who start part-time are usually in school or working another job — building this on the side while they create their transition plan.

But let's be honest about the goal: we're not trying to keep anyone part-time forever. If your vision is owning your own business and creating financial freedom, the plan is to make this your full-time career. The more time, discipline, and consistency you invest, the more opportunity you create.

Who We're Looking For

Experience isn't what determines success here. Three things matter far more:

Our Foundation

Everything we do is built on four pillars — in this order:

My Story & How I Coach

I didn't start with money. I grew up in very humble beginnings — nobody handed me a playbook, and nobody was knocking on doors offering opportunity to people like me. Sports became my way out.

I was a multi-sport collegiate athlete — then the typical story: an injury, and my financial aid went with it. Two options: go back home to West Texas — be another guy whose highlight reel ends in high school, working a normal job in the oil field, because that’s all there is where I’m from — or find a way out. I chose the way out. I worked the oil field — drilling rigs, pulling units — and a year as a ranch hand. The summers after that were door-knocking — roofing, window cleaning, a little solar — installing gym equipment, hotshotting — anything that paid, just to make sure I never went back.

And even after the injury, I was blessed to keep competing — at the collegiate level, in powerlifting. I won a national championship, helped my team secure a team national championship, represented the USA and won gold at the NAPF World Championships — and earned a spot at the IPF-sanctioned Arnold SBD Pro American: a pro meet, the best in the world on one platform. Blessed to compete at multiple national championships and IPF-sanctioned meets over the years. I started coaching my last years of undergrad, became a GA football coach, and was blessed to earn two master's degrees during that stint — an MBA and a Master of Science in exercise physiology. Different arenas, same engine: discipline transfers.

During that coaching stint I was also building two companies — a personal training brand that started back in undergrad as an online side hobby — a couple hundred bucks here and there — and blew up as my own results in the sport grew, into nationwide coaching for everyday clients and athletes alike. That, plus a diesel-mechanic operation. Both were growing fast. Then COVID hit, and just as fast as I was winning, I was losing. Around the same time I gave just about all my day-trading profits back to the market. So there I was: two master's degrees, two dying businesses, one young-life crisis. All that history of work — and it felt like there was nothing out there for me. I won't sugarcoat it: I felt hopeless. I was weighing the military seriously enough that I started physically training to leave, and chasing tech certifications because that's where the world was heading. If you've ever been in your early twenties asking "what the hell do I do with my life?" — I've been there. That's most of us.

My mother had become a successful real estate agent years before — so I got my license and followed her path. It worked: I built a high-six-figure real estate business, all while training and competing as a competitive mixed martial artist — a full-time job in itself. And that's exactly when it hit me. I was doing the thing I dreaded most: trading my time for money, instead of hyper-focusing on my passions — my family, and my fight career. Successful on paper. Owned by my own calendar.

So hear me when I say this: I've lived damn near every avenue there is — blue collar, door-to-door sales, degrees, coaching, entrepreneurship, trading, real estate, competitive sports. And every one of them taught me the same lesson: hard work alone is not the answer. If it was, every blue-collar worker in America would be a millionaire. You can be the right driver — but in the wrong vehicle, you can work as hard as you want and stay exactly where you are. You need the right skills, the right systems, and the right mentors.

Then I found this business — and I saw a model that could truly scale and help other people do the same. No four-year degree. No $10,000 course. A state license that costs a couple hundred bucks — and a real career on the other side of it. Because here's the truth: 99% of people are never given a real opportunity in life. Especially people from humble beginnings. Especially in communities like mine. Nobody's knocking on those doors.

So I decided to build the thing I never got: a real shot, with a real playbook — for anybody willing to work for it, and especially for people from the same walk of life as me.

I went all-in as a producer — and in my first year I personally wrote right at half a million dollars in production. Then I saw how selfish I was being — keeping this opportunity to myself instead of providing it to people from my own communities. So I chose to build leaders instead of just producing: I started my own agency and grew it from zero to $500,000 per month in team production — in six months — with the average producer on my team writing $20,000 a month. Today I spend my time developing the next wave of leaders. Every one of those numbers is real and documented — and I'll show you the boards myself when we meet.

And one more thing you should know about me: I don't think I'm special — by any means. But I do believe I'm different. We live in a world that has normalized average — and I think it's okay to be abnormal. It's normal to be average. It is not normal to be not average. So you have to ask yourself which route you want — because to be not average, you're going to have to do things average people won't. That's hard. And it's true.

Around here, we call that the Mamba mentality: chasing the best version of yourself every single day, no matter what. Day by day — one percent better in every avenue of your life, in everything you do. Because if you're going to compete at anything, why not be the best fucking version of yourself doing it?

Beyond business, I believe success should improve every area of your life — not just your bank account. I run my own life on the Four F's:

When those four keep growing, everything else follows.

When someone joins my team, my goal isn't just to help them make money. It's to help them become a better leader, a better business owner, and someone capable of building generational wealth for their family.

The Standard

Let's be clear about something: you're a 1099 business owner here. Nobody clocks you in. Nobody babysits you. The standard isn't something we impose — it's the choice you step into the day you decide you're all-in on your business. And it travels: in the office or on the virtual team, it's the same locker room and the same standard. This is what all-in looks like inside New Era:

• Our full-time producers run 10–12 hour days — by choice — especially the first three to six months, because they're building something that pays them for life and eventually buys their time back.
• 8:30 AM — live training. In office and on Discord, every weekday. The day starts sharp.
• 9:00 AM — present and locked in. In the office or on Discord. Full-time means showing up like it.
• Tuesdays & Thursdays — scaling calls on Zoom. Working on your business, not just in it.
• 8–9 PM, Mon–Fri — end-of-day assessment. Every new agent runs it. Film review, every rep sharper than the last.
• The office seat is earned. Issue $15K in your first 3 months in-office — or you run your business virtually from Discord until you're ready to earn the room back. The office is a privilege with a price — and the standard lives loudest inside those walls.
• And the standard graduates. Once you're issuing $40K+ a month, you've earned your autonomy — nobody's chasing a top closer about clock-in times. Keep closing, keep the attitude, stay coachable, keep working with purpose — at that level, the standard becomes yours to carry. And most people writing $40K+ are in exactly the position they came here for: their time, bought back.

And none of it works as a list of rules — it only works if you buy in. Our whole definition of discipline comes down to two questions you'll answer a hundred times a day:

And understand what we're actually building in you: a leader. There are two types of leaders. One leads himself to be the best version of himself. One leads others to be the best version of themselves. So make no mistake — whether you're here to be a high producer and never plan on building past yourself, or you're here to build an agency of your own: we still make you a leader. The first kind at minimum. Both if you've got it in you.

Everything we do runs through a servant's heart — with clients, with each other, with ourselves. If reading this standard fired you up, you're probably our kind of person. If it made you tired — we just saved us both a lot of time.

Is This For You?

This opportunity isn't for everyone — and it's not supposed to be.

A lot of people say they want financial freedom. A lot of people say they want to own a business. Very few are willing to live the process required to earn it. The moment someone is held to a higher standard, most quit. The standard didn't fail them — they failed the standard.

And here's a truth about rooms: mediocre people don't like high achievers — and high achievers don't like mediocre people. Let the two coexist and you lose both. We protect this room — which is exactly why not everyone gets to stay in it.

If you're willing to stay coachable, stay disciplined, and put in the work — especially your first three to six months — this could be one of the best opportunities you'll ever come across.

Frequently Asked Questions