Our Story
A Veteran Family Protecting Texas Families
We didn't build this business to sell policies. We built it to protect families like yours.
After three combat tours in the U.S. Army, Joel Moreno came home to Texas with one mission: make sure no family goes unprotected because the financial industry made things too complicated. He got his Texas life insurance license and started having real conversations with families — no scripts, no pressure, just honest guidance.
His wife Jessica brought 15+ years of financial expertise, an MBA in Business Analytics, and a B.S. in Accounting. She built the operational backbone of Moreno Financial Services and turned tax prep and bookkeeping into something small business owners could actually understand.
Their son Andrew earned his Texas life insurance license at just eighteen. Today, he's one of the youngest licensed agents in Central Texas and is passionate about mentoring young entrepreneurs in the community.
Moreno Financial Services is headquartered in Kempner, Texas. We're veteran-owned, family-operated, and BBB Accredited. We work with top-rated carriers including AIG, Aetna, American National, and Mutual of Omaha to find coverage that fits your life and your budget.
Joel Moreno — Founder & Licensed Texas Life Insurance Agent
Joel served three combat tours with the U.S. Army before dedicating his career to protecting families on the home front. His approach is rooted in military values: show up, tell the truth, and never leave someone behind.
When you sit down with Joel, the first thing you'll notice is that he listens. He asks about your family, your concerns, and your goals before he ever mentions a product. Joel believes every family deserves to understand their options in plain English, without pressure and without jargon.
He founded Moreno Financial Services because too many good families were going unprotected — and he refused to let that continue.
Jessica Moreno — CEO, Tax & Bookkeeping Expert
Jessica is the heart and the engine of Moreno Financial Services. With an MBA in Business Analytics, a B.S. in Accounting, and 15+ years in the financial industry, she brings expertise that clients trust immediately.
But what truly sets Jessica apart is how she makes people feel. As a mother and entrepreneur, she understands the real financial pressures families and small business owners face every day. She doesn't talk down to clients or hide behind complicated language — she walks through your numbers and makes sure you leave feeling informed and confident.
Jessica handles tax preparation and bookkeeping with precision, care, and a personal touch that the big chain offices simply cannot match.
Andrew Moreno — Licensed Texas Life Insurance Agent
Andrew is the youngest member of the Moreno Financial Services team — and he's already making an impact. At just eighteen years old, he earned his Texas life insurance license and joined the family business, not because he had to, but because he wanted to.
He grew up watching his parents pour their hearts into helping families, and that mission became his own. Today, Andrew is one of the youngest licensed agents in Central Texas. He's passionate about financial literacy, actively mentors young entrepreneurs in the community, and represents the next generation of Moreno Financial Services.
Our Values
Education Over Sales
We teach you how financial products work before we ever recommend one, because an informed client always makes the best decision.
Veteran Integrity
Joel's military service taught him that trust is earned through action, not promises, and we hold ourselves to that standard with every client.
Family-First Approach
Every recommendation we make starts with one question: what is genuinely best for your family? If something doesn't serve you, we won't suggest it.
Total Transparency
No hidden fees, no confusing fine print, no surprise commissions. You will understand every detail before you sign anything.
Community Service
We live and work in Central Texas. This is our home, and giving back to the community that supports us isn't optional. It's who we are.
Long-Term Partnership
We don't disappear after the paperwork is signed. We review your plan annually, answer your calls year-round, and adjust your coverage as your life changes.