I help business owners turn a successful company into a clear, transferable, tax-efficient source of long-term freedom. Tax strategy, exit planning, wealth design, and the insurance to back it.
Most business owners are profitable. But the wealth is trapped, the tax strategy is reactive, and the exit plan is imaginary. Here's where I come in.
No filler meetings. No 80-page binders nobody reads. Each step has a deliverable you can act on.
Understand your business, your challenges, and what winning actually looks like for you.
Learn what's important to you, your partners, and your family. Get the numbers on the table.
Build a comprehensive plan. Stress-test the strategies against real scenarios.
Customized recommendations. Tax-advantaged structures, liquidity setup, expected outcomes, and costs.
Sit down. Walk it through. Refine the strategy together before anything gets implemented.
Quarterly check-ins, planning updates, and adjustments as your business and goals evolve.
Most advisors lead with a product. I lead with the end number. Everything flows backward from there.
What does your business need to be worth, after tax, for you to win? Everything flows backward from that target.
Valuation, tax, cash flow, risk, and personal net worth in one system. So decisions don't conflict or cancel each other out.
See the dollars, taxes, and risks of each path. Grow vs sell. Retain vs replace key execs. Self-fund vs borrow vs insure. Exit now vs later.
Cleaner entity structure. Stronger balance sheet. Liquidity without forced exits. Options when life changes.
Buy/sell agreements that actually work. Executive retention without equity dilution. Liquidity without selling the company. Tax efficiency without aggressive risk.
I know how owners actually operate. Cash pressure. People risk. Growth vs burnout. Control vs freedom. That's why the strategies get implemented, not shelved.
I run two practices. Different audiences, different products, same standard: pick up the phone, tell you the truth, and only recommend what fits.
For owners doing $1M to $10M. Income $300K+. You want a quarterback, not another siloed advisor.
Local agency. Bilingual. Independent. We shop the carriers and tell you what actually fits, not what pays us the most.
Not everyone needs what I do. If this doesn't sound like you, save us both the time.
Below are unedited reviews from clients across both practices. Some go back 15+ years. That's how I measure the work.
As a business owner, I have very high expectations of what customer service should be. The Caballaro Agency has far surpassed those expectations. With 2 little ones and a business to run, my free time is limited. The transition was super easy and was done through text messages. I was also able to get my business general liability with them. Switch on over. You won't regret it.
I've been a client of Kevin's for over 15 years for different types of insurance. When my wife was pregnant with our first child, the first person I told was Kevin. He was not only excited for our new life as future parents, he explained the differences with all life insurance policies and riders available to us. I highly recommend Kevin and his agency. Very professional, honest, and responsive.
Kevin and his team are consummate professionals. What I like most is that when I need them, they answer the phone and get the problem solved, freeing up my time and making my life easier and less worrisome. There is no other group I would trust more to do my insurance for my home and auto.
Caballaro Insurance is the best insurance agency I ever used. The personnel is very knowledgeable, kind, patient with all questions and doubts. They have excellent customer support services. Positive customer experience is the final result when receiving their professional services for any insurance need you may presently have.
In the insurance and financial services industry, across multiple market cycles.
University of Houston grad. First-generation American. Argentine roots.
Native fluency in both. Member of the Houston Hispanic Chamber of Commerce.
I built two practices because I wanted to do this work my way. Same reason I tell clients the truth.
I run two practices: Caballaro Agency for personal and commercial insurance across Texas, and Exponent for the strategic financial work that goes beyond a single policy.
Both exist because business owners and Texas families were getting handed off to call centers, sold products by people without the licenses to back the advice, or pushed into "complete plans" that were really just a list of things to buy.
My approach is simple. Protect what you built. Reduce what you're overpaying. Build wealth that lasts. No fluff. No jargon. No insurance-nerd buzzwords.
I'm fully licensed (Life, Health, P&C, Securities). I've seen the cycles. I know the products in depth. I can break down the complexity so you understand exactly what you're buying and why.
If you want a yes man, find someone else. If you want straight advice from someone who's done this for 20 years and runs his own businesses, let's talk.
Tell me what you're working on. I'll tell you whether I can help, who else should be in the room, and what the next move looks like. If it's not a fit, I'll say so.