Osmel González
Entrepreneur · Financial & Insurance Advisor
Financial & Insurance Advisory · Las Vegas, NV
Building a Stronger Financial Future Starts Here.
My name is Osmel González. I help individuals, families, and entrepreneurs explore financial solutions designed to improve their financial position, protect their families, and build a more secure future.
Personal Attention · Confidential Guidance · Solutions Designed Around You
About Me · Conóceme
Get to Know Me Beyond Business.
Many people know me for my faith and my values, and that is something I am proud of. The same seriousness, honesty, and commitment that guide my spiritual life are values I bring to my work and to the people I serve.
As an entrepreneur and financial and insurance advisor, my mission is to help individuals and families explore practical solutions to improve their financial stability, protect what matters most, and prepare for the future.
I believe every person deserves personal attention, clear information, and an opportunity to make informed financial decisions.
Personalized Guidance
Solutions shaped around your goals and circumstances.
Confidentiality & Trust
Your information handled with discretion and respect.
Support Throughout the Process
Guidance at every step of your decision-making.
Real Solutions for Your Needs
Practical options, not one-size-fits-all promises.
What I Offer
Financial Solutions Designed Around Your Goals.
Six areas of guidance to help you strengthen credit, finance a business, and protect the people you love.
Credit Repair & Credit Education
Understand your credit report, identify potential inaccuracies, explore dispute options where appropriate, and develop better financial habits.
Business Financing Solutions
Explore financing options designed to help entrepreneurs start, expand, purchase equipment, or strengthen their businesses.
Build Credit With Rent Reporting
If you rent your home, explore whether your eligible rental payments can be reported to participating credit bureaus to help establish or strengthen your credit history.
Indexed Universal Life Insurance (IUL)
Explore permanent life insurance solutions that combine a death benefit with a cash-value component linked to a market index, subject to policy terms and limitations.
Health Insurance Solutions
Explore health insurance options for individuals and families, including ACA Marketplace coverage where eligible.
Medicare Insurance Guidance
Learn about Medicare Advantage, Medicare Supplement insurance, and Prescription Drug Plans to understand available options and benefits.
Credit Repair
Your Credit Journey Starts With Understanding Your Credit.
A clear, educational approach to reading your credit report and building responsible habits.
- Review your credit report.
- Identify potentially inaccurate or outdated information.
- Understand collection accounts.
- Learn about payment history.
- Explore responsible credit utilization.
- Understand dispute processes.
- Develop a personalized credit education action plan.
Review
Understand your current credit situation.
Identify
Find areas that may need attention.
Take Action
Develop a responsible improvement strategy.
Educational service. No particular credit score increase, deletion, or result is guaranteed. Credit repair must comply with applicable federal and state laws.
Business Loans
Have a Business Dream? Let's Explore Your Financing Options.
Understand what lenders may consider and prepare your business to explore financing with confidence.
What Lenders May Consider
- Business revenue
- Time in business
- Personal and business credit
- Cash flow
- Business documentation
- Financing purpose
Business financing is subject to lender requirements and approval. This is an educational overview; no approval rates or loan amounts are guaranteed.
Rent Reporting
Are You Paying Rent Every Month? Make Your Payments Count.
Qualifying rent payments may help establish a credit history when reported to participating bureaus.
How rent reporting works
Eligible on-time rent payments may be reported through a participating provider to credit bureaus that accept tradeline data.
Who may qualify
Renters whose landlord or property participates and who meet the provider's verification requirements.
What documentation may be needed
Lease agreement, rent payment history, and identity verification may be requested.
Possible benefits and limitations
May help build or strengthen a thin credit file. Not all bureaus or scores consider reported rent, and results are not guaranteed.
Rent reporting does not guarantee a credit score increase and may depend on bureau and provider participation.
Life Insurance
Protect Your Family. Plan for Tomorrow.
Indexed Universal Life Insurance explained simply — protection today, potential for tomorrow.
Life Protection
- Death benefit for beneficiaries.
- Financial protection for loved ones.
- Policy options depending on eligibility and underwriting.
Cash Value Potential
- Policy cash value may be credited interest based partly on an external market index.
- Interest crediting is subject to caps, participation rates, floors, and policy charges.
- Cash value is not a direct investment in the stock market.
Long-Term Financial Planning
- Flexible premium structures subject to policy terms.
- Potential access to cash value through loans or withdrawals, subject to conditions and possible tax consequences.
Health & Medicare
Your Health and Your Family Deserve Protection.
Guidance across ACA Marketplace plans and Medicare options so you can compare with clarity.
Health Insurance
- ACA Marketplace plans
- Individual health insurance
- Family health coverage
- Coverage options and networks
- Understanding premiums, deductibles, and out-of-pocket costs
Medicare
- Medicare Advantage (Part C)
- Medicare Supplement (Medigap)
- Prescription Drug Plans (Part D)
- Understanding enrollment periods
- Comparing available coverage and benefits
Availability, eligibility, costs, and benefits depend on the specific plan, location, and enrollment requirements. Medicare is a federal health insurance program; this website is not an official government website.
Calculator
How Healthy Is Your Credit Utilization?
An interactive educational tool. Enter your numbers to see your utilization.
How Healthy Is Your Credit Utilization?
An interactive educational tool. Enter your numbers to see your utilization.
Amount Currently Used
$0
Available Remaining Credit
$0
Example: $10,000 available · $3,000 balance = 30% utilization · $7,000 remaining.
Lower credit utilization is generally considered favorable by many credit scoring models, although credit scores depend on several factors.
Educational tool only, not an official credit score calculator. Estimates are illustrative.
Explore Your Business Financing Readiness.
An educational snapshot of your business finances. This does not calculate or promise loan approval.
$0
Business Financial Snapshot
- Operating Margin
- 0.0%
- Time in Business
- —
- Estimated Credit Profile
- 670–739 (Good)
- Financing Target vs. Monthly Surplus
- —
Areas to Prepare Before Applying
- Keep business and personal finances separate.
- Maintain consistent, documented revenue.
- Strengthen credit before applying if needed.
- Prepare business documentation in advance.
Educational estimates only, not lender decisions or loan approvals. Financing is subject to lender requirements.
Why Work With Osmel
More Than a Service. A Relationship Built on Trust.
Personal Attention
Your goals and circumstances matter.
Clear Communication
Understand your options before making decisions.
Confidentiality
Your information is handled responsibly.
Continued Guidance
Support throughout your decision-making process.
How It Works
Three Simple Steps to Get Started.
Schedule a Consultation
Tell Osmel about your goals and needs.
Review Your Options
Explore solutions based on your individual situation.
Move Forward With Confidence
Decide on next steps with clear information and guidance.
Testimonials
Stories of Financial Goals and New Opportunities.
"Osmel took the time to explain my credit report in plain language. I finally understood what I was looking at and what to do next."
Maria R.
Credit Education
"As a new business owner I had no idea where to start. Osmel walked me through what lenders look for and helped me get organized."
Carlos M.
Business Financing
"We wanted to protect our family. Osmel explained our options patiently and never pressured us — we felt respected."
Ana & Roberto
Insurance Planning
Fictional demonstration testimonials for design purposes only — not actual customer reviews. · 5-star design example
FAQ
Frequently Asked Questions
Clear answers to common questions about credit, financing, insurance, and Medicare.
Credit Repair
Business Loans
Rent Reporting
IUL Life Insurance
Health & Medicare
Book an Appointment
Let's Talk About Your Financial Future.
Choose the most convenient way to connect with Osmel.
In-Person Consultation
- Discuss financial goals.
- Review available solutions.
- Personalized assistance.
Zoom Consultation
- Convenient online meeting.
- Discuss your needs from home.
- Receive guidance remotely.
Add to my calendar
Demo booking — no live calendar is connected yet. Submission is acknowledged for demonstration.
Request Your appointment
Service Area
Serving Individuals, Families & Entrepreneurs.
Las Vegas, Nevada
Service area: Las Vegas, Henderson, North Las Vegas, and surrounding communities.
- In-person appointments by arrangement.
- Zoom consultations available.
Contact
Have Questions? Let's Talk.
Osmel González
Financial & Insurance Advisor