SERVICES
Annuities, IRAs, Roth IRAs, & 401(k) Rollover
When planning for retirement, it’s important to understand the tools available. Annuities provide guaranteed income, often for life. IRAs help you grow your savings tax-deferred, while Roth IRAs let your money grow tax-free with tax-free withdrawals in retirement.
If you’re changing jobs or retiring, a 401(k) rollover allows you to move your retirement funds into an IRA or annuity without penalties—keeping your money growing and protected. These options can help you build a strong, secure financial future.
Life Insurance
Life insurance is one of the most powerful and loving financial decisions you can make for your family. It provides peace of mind, knowing that your loved ones will be protected financially if the unexpected happens. Whether it’s helping to cover funeral costs, pay off debts, replace lost income, or fund a child’s education, life insurance ensures that your family’s future is secure—even when you're no longer there to provide for them.
Life insurance isn't just a policy—it’s a plan, a promise, and a legacy.
Retirement Plan
A solid retirement plan is essential for achieving long-term financial security and peace of mind. It’s about more than just saving money—it's about creating a strategy that allows you to maintain your lifestyle and independence when you're no longer working.
Retirement shouldn't be a time of worry—it should be a time to enjoy the life you've worked hard to build. With the right guidance and planning, that future is possible.
Debt Solutions
At PHP Debt Solutions, we help families across America find effective debt relief. Our mission is to provide personalized solutions that guide you toward financial freedom, making your path to a debt-free life clearer and easier.
About me
Financial Coach & Life Insurance Professional
Sandra Villanueva is a licensed Financial Coach and Life Insurance professional serving families across Illinois. Born in Puerto Rico and raised on Chicago’s North Side, Sandra brings heart, purpose, and deep community roots to her work. As a mother of two and proud grandmother of two, she understands firsthand the importance of building a secure financial future for generations to come.
Driven by a passion for financial education, Sandra founded her own business to empower families with the tools and knowledge they need to protect what matters most. From life insurance planning to retirement saving strategies, her mission is simple: to teach the critical financial skills that should’ve been taught in school—and to do it with compassion and clarity.
Whether you're looking to safeguard your family’s future or plan for retirement, Sandra is here to help you take control of your financial journey, one informed decision at a time.
Career Oppertunty
This career is truly rewarding—it's all about helping families understand how to protect their financial future. We educate clients on the different types of life insurance, annuities, and IRAs, empowering them to make informed decisions. We also assist with 401(k) rollovers, helping them avoid unnecessary penalties and taxes while building a stronger foundation for retirement.
Join Our Team
Career Benefits:
- Uncapped Income Potential – Your earnings reflect your effort and growth.
- Recession-Proof Industry – Financial services are always in demand, regardless of the economy.
- Professional Leadership & Mentorship – Learn and grow with the support of experienced industry leaders.
- No Experience Needed – Full training and support provided to help you succeed.
- Work-from-Home Flexibility – Build your career with the freedom to work from anywhere.