Stability. Strategy. Legacy.
Cheri Muniz founded Ascend Financial Wellness Group in January 2025 so that business owners, families, and individuals could get the kind of financial protection that used to require a private advisor.
Who is Cheri Muniz?
Cheri Muniz is the founder and CEO of Ascend Financial Wellness Group, a California-licensed life insurance agent, and a business consultant based in Roseville, California.
With more than 30 years of experience across mortgage banking, retail management, and federal service, Cheri brings a broad, practical perspective to every client conversation. Her mortgage banking career included management, loan origination, and underwriting, giving her a strong understanding of how financial decisions are evaluated from both sides of the table.
Today, Cheri works with business owners, families, and individuals to bring their financial protection needs together. Her services include life insurance, business funding, employee wellness benefits, and affordable legal protection. As a former federal employee, Cheri understands the unique needs of federal employees and their families. She also works with baby boomers preparing for retirement and women over 50 who are building financial confidence, protection, and independence for their next chapter.
Ascend Financial Wellness Group is a woman-owned, BBB Accredited business with an A+ rating. Cheri's guiding principle is simple: treat others as you would want to be treated. That means offering straightforward guidance, explaining the available options clearly, and being just as willing to tell a client when they do not need a product as when they do.
- California Department of Insurance license #0K85961, life insurance, licensed since 2016, also licensed in FL, MI, OH, TX, and WA
- Founded April 2025, BBB Accredited, A+ rating, woman-owned
- SIMERP employee wellness benefits through Cheri's partnership with EHP | The Employer's Choice, and affordable legal protection through LegalShield
- Business funding through Ascend's business funding platform, connecting business owners nationwide with proprietary and private wholesale lending options
The Ascend Approach to Financial Wellness
It is Cheri's approach to creating a strong financial foundation for every client: protect what matters first, build opportunities for growth, and then put the legal and business strategies in place to support it all.
SIMERP
A preventive care and wellness benefits program designed to strengthen employee benefits, support a healthier workforce, and help offset rising healthcare costs, at no net cost to the employer or employees.
Growth
401k rollovers, IUL cash value, and fixed indexed annuities for money that needs to grow without being exposed to a bad year.
Structure
Funding to grow the business, LegalShield to protect it, and employee benefits that help keep good people.
Rooted in Roseville, working statewide
The practice is based in Roseville, in the Sacramento region, and serves California families by phone and video. Business funding and LegalShield clients come from across the country.
Meetings are by appointment, and most of the work happens over a call with documents signed electronically. If you prefer to sit across a table, that can be arranged locally.
Questions about Cheri
Cheri Muniz is currently licensed to offer insurance solutions in California, Florida, Michigan, Ohio, Texas, and Washington. Her California Department of Insurance license number is 0K85961.
If you live outside these states, let Cheri know. She can obtain the necessary state license to serve you, except in New York.
Business Funding, LegalShield, and Wellness Plans are available nationwide, as these programs are not insurance products.
Yes. Cheri is an independent agent, which means the recommendation is built around your health, budget, and goals rather than one carrier's product list.
Every carrier is different about health conditions, occupations, and hobbies. Comparing several is how a client with a condition still gets a fair rate.
Cheri Muniz holds a California Department of Insurance license (#0K85961). Business funding and LegalShield clients are served nationwide because those programs are not insurance products.
If you live outside California, ask. Cheri will tell you whether she can help or refer you to someone who can.
The practice is based in Roseville, California, in the Sacramento region, and works with clients across the state by phone and video.
Meetings are by appointment. Most consultations happen over the phone or on a video call so you can review documents from home.
Cheri is a licensed insurance agent, not a registered investment advisor. She can recommend and place insurance-based products such as life insurance, IUL, and fixed indexed annuities, and connect you with funding and legal partners.
For securities, tax filing, or legal advice she will point you to the right licensed professional rather than stretch beyond her license.
Cheri Muniz is the founder and CEO of Ascend Financial Wellness Group, a California-licensed insurance agent, and a business consultant based in Roseville, California. She started the practice in 2016.
The business is BBB Accredited with an A+ rating and is woman and veteran-owned. Her background in lending shapes how she looks at a family's or a company's whole picture.
Yes. Health and financial details are used only to prepare quotes and applications and are shared only with the carriers or partners you choose to apply with.
See the privacy page for the full policy on what is collected and how it is handled.
Talk with Cheri this week
Twenty minutes, no obligation, and a clear answer about what your family or business should have in place.