Hi, I’m Kathy Zarate
Your personal Investment Specialist.

Providing you with in-depth services for retirement, financial education, investments (401k, IRAs, annuities, mutual funds etc), life insurance and real estate! All to help you and your family succeed and become financially & independently wealthy.


Customized retirement plans

I understand that every individual's retirement goals and financial circumstances are unique. I help you develop a personalized strategy to help you build and preserve your wealth, ensuring that your retirement years are both enjoyable and financially secure.

Financial Coaching

Taking control of your finances can be a daunting task, but with the right support, it's entirely achievable. My financial coaching services are designed to empower you on your financial journey, providing personalized guidance, education, and tools to help you make informed decisions and achieve your monetary goals

Investment Instruments

Mutual Funds, 401k, Roth Traditional IRAs, Annuities, College Savings Accounts, Minor Accts, Real Estate

Affordable Term Life Insurance

I understand the importance of securing your family's financial future without breaking the bank. With my personalized approach, you can have confidence in knowing that your family's financial well-being is protected, even in the face of life's uncertainties. Secure their future with an affordable term life insurance policy that meets your needs and budget.

Real Estate for buyers, sellers & investors

Navigating the complex world of real estate can be challenging, whether you're buying, selling, or investing in property. My real estate advising services cover a wide range of areas, including property selection, market analysis, negotiation strategies, and investment opportunities.

About me

Kathy: Investment, Real Estate Specialist & published Model

Meet Kathy, a dedicated family investment specialist and real estate agent who combines her passion for helping families with her extensive knowledge of finance and real estate. Her unique background and unwavering commitment to her clients' success set her apart in the industry, making her the go-to expert for families seeking guidance in their investment journey.

Financial Expertise

Kathy's journey as a family investment specialist began with a solid foundation in finance. She gained invaluable experience in the financial industry, working in various roles that honed her skills in investment analysis, portfolio management, and risk assessment. Her deep understanding of financial markets and investment strategies has allowed her to provide sound guidance to families looking to invest wisely and grow their wealth

Real Estate

Kathy's interest in real estate emerged from her desire to further help families achieve their financial goals. Recognizing the potential synergy between her financial expertise and real estate knowledge, Kathy pursued and obtained her real estate license, allowing her to provide comprehensive advice to clients looking to make informed decisions in both the investment and real estate arenas.

Personal Portfolio Images
Personal Portfolio Images

My Mission

My mission is to help families become properly protected, debt-free, and financially independent. I do this by teaching people how money works so they can take control over their financial future. Additionally, I help people save money on their auto, home, renters, and small business insurances by eliminating the broker fees most people don’t realize they are paying. Some examples of this are I help our clients save for their down payment on their 1st home or next residential investment project, increase their credit score, save for vacation or a wedding, save for college, create a budget, give them a financial plan, etc

Meet the team

We train & develop our team to become fully licensed financial specialists so that we can provide the best service to our clients and guide them in every financial chapter of their lives.

Personal Portfolio Images
Personal Portfolio Images
Personal Portfolio Images
What Clients Say



Michael R.

via Upwork - Mar 4, 2015 - Aug 30, 2021
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"Kathy is a financial superstar! Her in-depth knowledge of the market and commitment to understanding my unique situation allowed me to make confident decisions that have greatly improved my financial well-being. With Kathy's help, I've been able to secure lucrative investment opportunities and find a retirement plan for me in order to protect my family's future. I highly recommend her services!"


Sarah & Robert

Upwork - Mar 4, 2016 - Aug 30, 2021
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"Working with Kathy on my financial investments and real estate goals was truly a game changer. Her expert guidance, personalized approach, and genuine dedication to helping us succeed made all the difference. Thanks to Kathy, we now have a diversified investment portfolio and a beautiful new home that perfectly suits my needs. I couldn't be happier with my experience!"


David & Rebecca

Fiver - Mar 4, 2015 - Aug 30, 2021
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"As a first-time homebuyer and novice investor, we were initially overwhelmed by the complexity of the financial and real estate world. Kathy's expert advice, personalized approach, and genuine care for my success transformed my experience. She patiently guided us through every step of the process, helping us make informed decisions that have set me on the path to financial success. I can't recommend Kathy highly enough!"


Linda & Adam

Thoda Department - Mar 4, 2018 - Aug 30, 2021
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"We had the pleasure of working with Kathy to plan my retirement investments and purchase a new home. Her expertise, patience, and unwavering support made the entire process smooth and stress-free. Kathy truly goes above and beyond to ensure her clients achieve their financial and real estate dreams. We're so grateful for her guidance and can't imagine navigating these important decisions without her."

Join Our Team

Become a member of the American Freedom team! We’re always looking for dedicated individuals that are passionate about change their financial lives and the lives of others. Just contact us below!

Personal Portfolio Images
Personal Portfolio Images
Personal Portfolio Images

Contact Me