Family Protection
Protect the life you've worked so hard to build
Life insurance, mortgage protection, and living benefits that keep your family standing — no matter what happens next.
254 FINANCIAL GROUP
Protect What Matters. Build What's Next.
You didn't get here by accident. The life you've built took years of discipline, sacrifice, and hard decisions — it deserves a plan.
At 254 FINANCIAL GROUP, we help individuals, families, and business owners turn hard-earned success into lasting security, through personalized insurance, retirement, and wealth-building strategies.
Whether you're protecting the people you love, planning for retirement, growing a business, or shaping the legacy you'll leave behind, we'll help you get there with a plan tailored to your life.
No cost · No obligation · Response within 1 business day
Trusted by Families. Driven by Purpose.
- Over 3,000 Families Protected
- MDRT Qualified Financial Professional
- Personalized Financial Solutions
- Access to Leading Insurance Carriers
- Helping Families Build, Protect & Preserve Wealth
- Solutions Designed Around Your Goals
What We Do
Solutions Designed Around Your Goals
- ✦Life InsuranceIncome replacement and peace of mind for the people who depend on you.
- ✦Retirement PlanningIncome strategies designed to last as long as you do.
- ✦Indexed Universal Life (IUL)Tax-advantaged growth with protection built in.
- ✦AnnuitiesPredictable, guaranteed income you can't outlive.
- ✦Living BenefitsAccess your policy during critical, chronic, or terminal illness.
- ✦Health InsuranceIndividual, family, and Medicare coverage that fits your budget.
- ✦Mortgage ProtectionKeep your family in the home you worked hard for.
- ✦Final ExpenseSimple coverage so loved ones never face the bill alone.
- ✦Wills, Trusts & Estate PlanningTransfer wealth clearly, privately, and without delay.
- ✦Business & College PlanningProtect what you've built and fund what's next.
Financial Planning, Made Personal
No two families are the same. So why should their financial plans be?
We start by listening, not selling. Before we recommend a single solution, we take time to understand your goals, your priorities, and the future you're working toward.
Because a financial plan that reflects your actual life doesn't just protect your money. It gives you the clarity to make every decision that comes next.
Guided by Purpose. Driven by People.
Bilha Wachira
254 FINANCIAL GROUP was founded by Bilha Wachira on a simple belief: financial planning should be personal, understandable, and built around the people it serves, not the products being sold.
That belief has since helped thousands of families protect what they've built, prepare for the unexpected, and move forward with clear, confident plans; earning industry recognition for excellence along the way.
Meet Our FounderSolutions
Solutions for every stage of life.
Family Protection
Give the people you love a safety net for the moments no one sees coming.
Explore Family Protection →
Health Protection
Coverage that protects your health and your finances at the same time, because a crisis shouldn't cost you both.
Learn More →
Legacy Planning
Leave behind more than what you've saved. Leave behind clarity, security, and peace of mind.
Explore Legacy Planning →
Business Solutions
Protect what you've built. Prepare for what's coming next.
Explore Business Solutions →
Education Planning
Turn today's dreams for your children into tomorrow's paid-for opportunities.
Start Education Planning →Trusted Partnerships
The right coverage, not just the only option available.
We partner with leading insurance carriers to compare solutions and help you choose the one that best fits your life, your family, and your financial goals.
Our Partners
The carriers behind your coverage.
As an independent brokerage, we work with a broad network of highly rated national carriers, so your plan is chosen on merit, not on what one company happens to sell.
Our Impact
Measured in families, not just numbers.
Families Protected
Financial Professionals Mentored
Million Dollar Round Table (MDRT) Qualifier
Own Pen Production Achievement
Real Stories
Real stories. Real peace of mind.
"Bilha took time to explain everything in a way we could understand. We didn't feel pressured; we felt cared for."
"For the first time, we felt like someone truly understood the challenges immigrant families face. She helped us create a plan that protects our future."
"Working with 254 FINANCIAL GROUP gave us confidence that our children and our family back home would be protected no matter what happens."
Our Process
Four simple steps to confidence.
Step One
Schedule a free consultation.
Step Two
We'll learn about your goals, priorities, and financial picture.
Step Three
Receive personalized recommendations designed around your needs.
Step Four
Move forward knowing your family and future are protected.
Building Future Leaders
Our mission extends beyond serving clients.
Through mentorship, leadership development, and our vision for the 254 Financial Leadership Academy, we're helping develop the next generation of financial professionals who will educate, serve, and strengthen communities for years to come.
Because true success isn't measured by what we achieve alone — it's measured by the lives we help transform.
Explore Career OpportunitiesYour future deserves a plan.
Every milestone starts with one decision. Whether you're starting your financial journey or shaping the legacy you'll leave behind, we're ready to help you take the next step. Let's build your future together.
Schedule your consultation
A quiet hour with a licensed advisor. No cost. No pressure.
Schedule Your ConsultationContact our team
Questions first? Reach out and we'll point you in the right direction.
Contact Our Team