DENNIS FLORENDO

Eliminate

Risks, Fees & Taxes

Graduate from Tax-Deferred to Tax-Free

Helping you keep 30-40% more of your capital is our Specialty

Learn the strategies that the top 1% have been implementing for years

Graduate from Tax-Deferred to Tax-Free

Helping you keep 30-40% more of your capital is our Specialty

Learn the strategies that the top 1% have been implementing for years

Get this for free!!!

Tired of feeling uncertain about your retirement? This free guide gives you the insider strategies the top 1% use to protect their money — without the risk, fees, or tax surprises.

Whether you're 5 years from retirement or already there, this checklist and mini-guide will help you spot the hidden traps in your current plan and show you how to keep more of what you’ve worked so hard to save.

Simple. Clear. Powerful.

And best of all — it’s free.

👉 Download it now and take the first step toward a safer, smarter financial future.

Get this for free!!!

Tired of feeling uncertain about your retirement? This free guide gives you the insider strategies the top 1% use to protect their money — without the risk, fees, or tax surprises.

Whether you're 5 years from retirement or already there, this checklist and mini-guide will help you spot the hidden traps in your current plan and show you how to keep more of what you’ve worked so hard to save.

Simple. Clear. Powerful.

And best of all — it’s free.

👉 Download it now and take the first step toward a safer, smarter financial future.

“How We Help You Keep More of What You Earn”

Most people follow the crowd — contributing to 401(k)s or IRAs, crossing their

fingers, and hoping for the best. But what they don’t see are the hidden costs:

market risk, management fees, and future tax traps.

We help you avoid these

Market Volatility

Fear of losing retirement savings during market downturns
Anxiety from watching account balances fluctuate with every economic headline
Lack of control over how investments are performing
Uncertainty about whether their money will last through retirement
“I’m too close to retirement to risk another crash like 2008”

Fees

Frustration over hidden advisor or management fees eating into returns
Not realizing how even a 1% fee can erase years of income over time
Confusion about what they're actually paying for — and whether it's worth it
Feeling trapped in fee-heavy accounts with limited flexibility
“Why am I paying fees even when my account is losing money?”

Taxes

Concern about paying high taxes on 401(k) or IRA withdrawals in retirement
Lack of clarity on how to create a tax-efficient income strategy
Fear of rising future tax rates eating into retirement income
No plan to manage RMDs (Required Minimum Distributions)
“I saved all this money... now I have to give a chunk of it to the IRS?”

Fees

Frustration over hidden advisor or management fees eating into returns
Not realizing how even a 1% fee can erase years of income over time
Confusion about what they're actually paying for — and whether it's worth it
Feeling trapped in fee-heavy accounts with limited flexibility
“Why am I paying fees even when my account is losing money?”

There’s a Better Way!!!

Let me show you how to grow and protect your money — with control, flexibility, and security.

Traditional Approach

Tax-Deferred (pay taxes later at unknown rates)
Exposed to Market Volatility
1–2% Management Fees Every Year
Early withdrawal penalties
Generic advice based on group plans

Strategic Approach

(Our Method)

Tax-Free Growth & Access
Principal-Protected Strategies
No Advisory or Management Fees
Liquidity with No Age Restrictions
Customized Solutions Built Around You

The Result...

✅ More money stays in your pocket — not the market, not Wall Street, and not the IRS.

✅ You get predictable, tax-free income in retirement.

✅ You gain peace of mind knowing your savings are protected and working for you.

Is This Right for You?

This isn’t a one-size-fits-all plan. It’s a customized strategy built around your goals, your stage of life, and your financial future.

🤔 Who Can Benefit From ERFT

✅ You’re in your 40s, 50s, or early 60s and want to retire with peace of mind

✅ You’re tired of watching your 401(k) ride the market rollercoaster

✅ You’ve saved money but worry about taxes eating into your retirement

✅ You want more control, more security, and fewer surprises

🔎 Why Haven’t I Heard This Before?

As many people out there that haven’t heard of Tax-Free Options… there are a ton of people that have and are actively utilizing them..

These really aren’t new concepts. They’ve been around since the late 90’s and have continued to evolve for the better.

Most traditional advisors stick to conventional tools like 401(k)s, IRAs, and mutual funds. We focus on the side of finance that eliminates risks, fees and taxes — using strategies the top 1% have used for decades — and make them accessible to everyday families.

Meet Your Specialist

Dennis Florendo

Specialized Guidance Anchored in Professionalism, Integrity and Empathy

With nearly two decades of experience in the financial industry and a degree in mathematics, I’ve been privileged to work with individuals, families, and business owners from all walks of life — helping them protect what they’ve built and plan for a future they can face with confidence.

But for me, this calling goes far beyond numbers, charts, or market returns. I help people break free from financial uncertainty. Whether it's risk, fees, taxes, or fear of the unknown — my work is about lifting that burden and offering clarity, control, and peace of mind.

As a specialist, I take a strategic, personalized approach to consulting. I don’t believe in one-size-fits-all. Each client’s story, goals, and values deserve a plan that’s thoughtfully designed to protect their future. I specialize in helping people graduate from tax-deferred to tax-free strategies, building smarter retirement plans, and creating income streams they can’t outlive — all while protecting their savings from unnecessary risk.

But more than anything, I lead with professionalism, integrity, and empathy. I see my role not just as a strategist, but as a servant leader — someone called to educate, empower, and walk alongside others. I believe real success is not just about wealth, but about wisdom, stewardship, and legacy.

Faith and family are at the heart of everything I do. Whether I’m guiding someone through their financial journey or being in a Bible study with my church community, my mission is the same: to help people live with purpose, prepare with wisdom, and leave behind something meaningful.

If you're looking for a long-term partner who values genuine connection, and is committed to providing clarity and congruence in every step of your financial journey, I’d be honored to serve you.

Our Services

When you think about your future, it's important to focus on what truly matters to you. Whether it's planning for a comfortable retirement, minimizing tax burdens, protecting your assets, or identifying potential risks — each of these pieces plays a key role in your overall financial picture.Taking the time to thoughtfully address these areas helps you build a solid, personalized path toward a future that reflects your goals, values, and peace of mind.

DENNIS

FLORENDO

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DENNIS

FLORENDO

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Testimonials

Not Just Clients - Lifelong Relationships

Len Curtis

Dennis is a man of great integrity and a professional with a high degree of competence. He is analytical and technical in his assessments, yet he is genuinely concerned about what’s best for his clients. His knowledge of how to eliminate risks, fees and taxes, and offer tax-free retirement plans is impressive. Plus, his ability to provide his clients with customized and personalized solutions makes him a much sought after professional. I have great admiration for Dennis as a friend and as a colleague.

Tina Garcia

I am thrilled to recommend Dennis Florendo. Dennis Exemplifies integrity in every aspect of his work, consistently going above and beyond to help others. His ability to listen deeply to his clients sets him apart; he not only addresses their needs but also fosters genuine relationships that often evolve into trusted friendships. Dennis's commitment to understanding and supporting those he works with is a testament to his character and professionalism. It is my pleasure to witness someone who truly cares about the success and well-being of others. Everyone should have a Dennis looking out for them

Amro Ahmed

Dennis is an absolute great individual both in business and person. I first started a relationship with Dennis more on the business and coaching side but nevertheless he has turned into an amazing and great friend.. Dennis is truly an expert and takes so much pride in his work.. I’ve learned Dennis is willing to outwork most people, has extreme attention to detail and has the mind and heart to always get better and grow.. these qualities are hard to find in an individual and that is the first thing that stands out about Dennis. working with Dennis has been a fresh of breath air and he continues to make it a point to standout in both professional and personal life. I’m happy to call Dennis not only a business partner but also a true Friend..Those who are lucky enough to work with Dennis keep him close because he is a rare one.

Channie Nak

I am delighted to recommend Dennis Florendo for his exceptional expertise in personal finance. As someone who specializes in eliminating risks, fees, and taxes, Dennis brings a wealth of knowledge and a strategic approach that sets him apart in the financial industry. He possesses an uncanny ability to analyze complex financial situations and develop tailored strategies that maximize wealth and minimize unnecessary costs. Dennis's commitment to his clients is evident in his personalized approach, ensuring that each financial plan is customized to meet individual goals and needs. Dennis Florendo is an outstanding financial professional who excels in eliminating risks, fees, and taxes, thereby helping his clients achieve their financial goals with confidence. I highly recommend Dennis to anyone seeking a knowledgeable, dedicated, and trustworthy financial strategist.

Jonathan Torres

Dennis is an exceptional professional with a deep commitment to his craft. His intelligence and strong work ethic are immediately apparent, driving him to provide the best solutions for his clients. His dedication to helping clients achieve financial security is evident in everything he does, from his personalized approach to his wealth of knowledge in the field. Dennis consistently seeks innovative strategies to optimize his clients' financial futures, and his attention to detail and genuine care for those he serves set him apart. I highly recommend Dennis for anyone looking to navigate the complexities of Personal Finance and Retirement with confidence and clarity

Take the First Step Toward a Smarter Financial Future

Take 2 minutes to share where you are — and we’ll show you how to get where you want to be, with less risk and more control.

Full Name *

Email *

Phone *

What strategy are you currently utilizing (401k, 403b, 457b etc.) ? *

On a scale of 1-10 (10 being most important) How important is it for you to eliminate the risk, fees & taxes (when applicable) from your current scenario? *

Current age *

Where you currently reside? *

Frequently Asked Questions

Is this really tax-free, or is that just a marketing term?

Yes — when structured properly, these strategies follow IRS rules that allow your money to grow and be accessed 100% tax-free. We don't bend the rules — we simply use tools the wealthy have relied on for decades, made available to everyday families.

I already have a 401(k). Why would I need something else?

A 401(k) is tax-deferred, not tax-free — which means you'll pay taxes later, potentially at higher rates. You also don't want to gamble your retirement to the volatility of the market. Our strategy helps you diversify your tax exposure, reduce future tax risk, access your money without penalties or age restrictions, and protect your principal.

What kind of results can I expect?

Everyone’s results vary based on age, contributions, and goals — but our clients often see 30–40% more capital preserved by avoiding unnecessary taxes, fees, and market losses. We walk you through real projections based on your specific numbers.

Is this safe? What’s the risk?

Yes — our strategies prioritize principal protection. That means your money isn’t exposed to market downturns. You’ll never lose a dime due to a stock market crash, and your plan is designed for long-term stability and control.

Is there a fee to work with you?

Our guiding principle is to eliminate risks, fees and taxes. We want to stay true to who we are and that's why we don't charge any fees.

I already have a Financial Advisor?

That's great. But we specialize on the Tax-Free side of finance. We specialize in helping people (Eliminate Risk, Fees & Taxes). A typical advisor, if you think about it, actually does the complete opposite. They actually Add Risk, they Add Fees, & they Add Taxes simply based on their specific focus. We’re all in the same industry, but just a very different focus and specialty.