+1 760.340.4277 customerservice@myfinancialcoach.com

Human Capital Risk Management Advisors

Michael Engelhart

Michael Engelhart has proven to be a highly effective wealth strategist for some of the country’s most successful individuals and businesses.  He helps high net worth individuals and business owners reduce income taxes and accumulate tax-exempt income. 
Michael has 25 years of experience as an entrepreneur, business leader, insurance executive, and advisor to both public and private companies. He has served in leadership roles in strategy, sales, and marketing.  Since 2010, Michael has specialized in insuring human capital risk, business succession planning, wealth transfer planning, and in the development and implementation of strategies that promote and accelerate enterprise growth. He has advised companies across a broad spectrum of industries including financial services, consumer products, collectibles, wellness, nutraceuticals, consumer products, life sciences, public utilities, and not-for-profits.


Rich Vazquez
Wealth & Tax Advisor

Rich advises on the full scope of financial and insurance services; from estate planning and employee, group, and executive benefits, to compensation and retirement distribution planning needs. Rich assists in developing strategies to preserve his client’s wealth and estates that aligns with the overall client’s objectives, engaging them in conversations to understand their financial, business and risk management goals and objectives, while considering variables such as market volatility, taxes, inflation, and liquidity needs.
Rich has spent his entire career based out of New York City, is married with an 8 month old son, and has four French Bulldogs.


in collaboration with:

IDU is a North American Accident & Health specialty insurance company selling, underwriting, and issuing policies on behalf of a selection of trusted carriers for over 30 years. Our carrier partners are of the highest caliber in the industry allowing IDU to maintain our commitment to providing multiple, exceptional coverage options. IDU has developed competitive and creative product designs offering a high end consultative approach with various options through our unique product series.

Available Products:
  • Chubb Sick Pay Plus – Short Term Disability 
  • Disability Personal Income Protection
  • Disability Guaranteed Standard Issue
  • Disability Key Person
  • Disability Buy Sell
  • Business Overhead
  • Loan Indemnification
  • Sports
  • Entertainment