Cadbury Financial Group was founded with one mission — give licensed agents and wealth managers access to the exclusive FIA products and carrier relationships they deserve.
The best Fixed Index Annuity products — the ones with genuine premium bonuses, real client protections, and market-leading features — are not available through standard channels. They require direct carrier relationships that most agents and wealth managers simply don't have.
Cadbury Financial Group was built to bridge that gap. We have direct relationships with EquiTrust, American Life & Security Corp., and AuguStar Retirement — and we share that access with partner agents who want to deliver more for their clients.
Join the PlatformRick founded Cadbury Financial Group after identifying a persistent gap in the annuity market: the products with the strongest accumulation features — meaningful premium bonuses, guaranteed growth protections, and carrier-backed client safeguards — were inaccessible to most producers.
Rather than accepting that as the status quo, he built direct carrier relationships with EquiTrust Life Insurance Company, American Life & Security Corp., and AuguStar Retirement — and created a platform to share that access with other licensed agents and wealth managers who want to serve their clients at the highest level.
"The best products shouldn't be a secret. If the product is right for the client, the agent should be able to access it — and Cadbury exists to make that happen."
— Rick Cabezas, Founder, Cadbury Financial GroupToday, Cadbury partner agents have access to the full product shelf, carrier contracting support, product training, and personal case assistance on every application. Rick is directly available by email and phone — there are no layers between you and the person running this platform.
No hidden overrides. No opaque commission structures. Cadbury partners know exactly what they earn, what the products cost, and what the carrier relationships are.
Every product on the Cadbury shelf is selected because it genuinely serves clients — strong protections, meaningful bonuses, and carrier financial strength ratings that back the guarantees.
This is not a portal. Rick is personally available to every partner agent for case support, product questions, and carrier coordination. You have a person — not a ticket system.
Contracting in days, not weeks. Illustration support same-day. Case review fast. Agents who work with Cadbury spend less time on logistics and more time with clients.
Product training is included. Rick walks every new partner through the carrier products, suitability considerations, and presentation approaches so you're confident from day one.
Whether you're a solo producer or a multi-advisor practice, Cadbury's platform is open to any licensed agent or advisor who wants to expand their annuity product shelf.
Cadbury Financial Group operates alongside VM Capital Partners — a boutique financial advisory firm led by Rick Cabezas with 30+ years in finance. VM Capital connects clients with commercial funding, investment banking, mortgage loans, and annuity solutions. Cadbury is the agent-facing platform for FIA distribution.
Visit vmcapitalpartners.com →Apply to become a Cadbury partner agent and access our exclusive carrier shelf, contracting support, and personal case assistance.