â—† Lead Story
Protection & Peace of Mind, All Under One Roof
Comprehensive insurance, bookkeeping, and tax services from one trusted El Paso partner.
For over two decades, SonFed Services has helped families and businesses across El Paso protect what matters most. From Medicare and ACA health plans to life, auto, and commercial coverage, our licensed agents tailor every policy to your needs.
Beyond insurance, our financial experts handle monthly bookkeeping, individual and business tax returns, payroll, and detailed financial reporting — so your finances stay organized year-round.
By the Numbers
5-Star
Rated Service
20+ Years
Experience
"Let us earn your business, starting with a pressure-free quote."
The Market Report
Today's Economic Indicators
U.S. Inflation Rate
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Annualized CPI-U change
Federal Funds Rate
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Fed benchmark interest rate
Healthcare Share of GDP
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National health spending
Source: Federal Reserve · CMS · Live data
Wealth Protectors
Strategic Risk Indicators
Critical metrics that actively impact your wealth preservation and retirement strategy.
The Retirement Health Gap
$345,000+
Average out-of-pocket medical cost projected for a healthy 65-year-old couple in retirement — excluding long-term care.
Source: Actuarial Industry Projections
Long-Term Care Probability
70%
Statistical likelihood that adults over 65 will require comprehensive long-term healthcare. Traditional health insurance doesn't cover this.
Source: U.S. Dept of Health & Human Services
Compounding Cost of Delay
−$900,000
Average wealth accumulation penalty from waiting until age 35 (vs. 25) to begin compounding retirement savings.
Source: Time Horizon Modeling
Rate & Market Watch
Today's Rates
Live market data to help you decide when to lock, refinance, or invest.
30-Year Fixed Mortgage
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National average rate
15-Year Fixed Mortgage
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National average rate
Annuity Yield (5yr)
—
Average fixed annuity yield
10-Year Treasury
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Benchmark bond yield
Source: Federal Reserve · Fannie Mae · Treasury Direct · Live data
Rate Drop Alerts
Want a text if home insurance rates drop in your area? Enter your zip code — we'll notify you.
Interactive Tools
Financial Gap Calculators
Instant, personalized insights — no login required. Adjust the numbers to see your coverage gaps in real time.
Life Insurance Gap Calculator
How much coverage does your family actually need based on your mortgage, income, and inflation?
Coverage Gap: $850,000
Your family may be $850,000 short. Without enough coverage, they could struggle to pay the mortgage and maintain their lifestyle.
Home & Auto Liability Check
Are your policy limits high enough to protect your net worth?
âš Your Assets Are Exposed
Your auto coverage is $400,000 below your net worth. Your home coverage is $200,000 below your net worth. A lawsuit could put your personal assets at risk.
Interactive Tool
"What If" Scenario Builder
Test big financial decisions before you make them. Adjust the sliders to see the impact in real time.
Retire at 65
$1,072,399
20 years of growth
Retire at 67
$1,252,629
22 years of growth
+$180,231 more by delaying 2 years
That's a 16.8% increase in your retirement nest egg. Delaying also means fewer years drawing down savings.
The Cost of Waiting
A Visual Breakdown
Total wealth accumulated by age 65 when saving a baseline $300/month, adjusting solely by the age you start.
Strategic Takeaway: Even though the delayed starter only misses 10 years of personal contributions ($36,000 out of pocket), they lose over $900,000 in compound market returns. Time does the heavy lifting, not your wallet.
Section C
