Our Services

We specialize in Retirement and Estate Planning and Business Planning. We provide you with a comprehensive analysis to help you design a plan to provide protection for your loved ones, plan your retirement or transfer your business or wealth.

We provide you with the highest quality of products and services from companies and individuals that share our level of commitment and integrity. All of our companies are rated the highest by the industry rating.

- Risk Management Services

- Life Insurance

- Health Insurance and Ancillary Products

- Disability Income Insurance

- Long Term Care

- Mutual Funds

- Custodians Accounts

- Retirement Plans

- Annuities (Fixed and Variable)

- Business Planning Services

- Buy Sell Agreements

- Qualified Plans 403(b), 401(k), Sep, Simple and Profit Sharing.

- Cafeteria Plans

- Executive Planning

- Bonus 162

- Deferred Compensation

- Employee Benefits

- Voluntary Benefits Plans

- Supplemental Insurance

- Group life, health, dental and disability

- Investments Services

*Securities products and services offered though Park Avenue Securities LLC (PAS), 14021 Metropolis Avenue, Ft Myers, FL 33912, 1-239-561-2900. PAS is an indirect, wholly own subsidiary of Guardian. L. M. Bravo ansd Associates is not an affiliated or subsidiary of PAS or Guardian. PAS is a member FINRA,SIPC.

* Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY.

Neither Park Avenue Securities, Guardian nor their financial representatives render legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circunstances.

Luisa M. Bravo is A Financial Representative of The Guardian Life Insurance Company of America, New York, NY.

Luisa M. Bravo is a Registered Representative and offers securities products and services through Park Avenue Securities LLC (PAS) 14021 Metropolis Avenue, Ft. Myers FL 33912, 1-239-561-2900. PAS is an indirect wholly owned subsidiary of Guardian. L.M. Bravo and Associates is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA/SIPC. www.finra.org

The information in this site is intended for the residents of Florida, Wisconsin and North Carolina. The financial representatives of L. M. Bravo and Associates, Inc. are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Luisa Bravo at 305-971-8522.

The information or opinions in this Internet site should not be construed by any consumer and/ or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directly solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/ or the prospective client reside. Any subsequent direct communication with a consumer and/ or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or the prospective client reside.

Links to other websites are for your convenience in locating relating information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities LLC (PAS) does not mantain these other sites and have no control over the organizations that mantain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believes that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly , this Agency, Guardian and PAS expressly disclaims any reponsability for the content, the accuracy of the information or the quality of products or services provided by the organizations or their products or services in any way.

L. M. Bravo and Associates Inc.

Our Services