Our Story

At The Hidden Reserve, our journey began with a desire to bring transparency and guidance into an industry full of noise, hype, and half-truths.

Our founder, Chris Zerafa, started his financial career in a system that taught him to push financial strategies that looked amazing on paper but in reality were based on unrealistic returns, hypotheticals and a lot of "I hope it works out".

At first, like many others, he believed he was doing the right thing.
But over time, he saw how misleading the model really was.

He knew he had to find a better way, something that he could stand behind with FULL confidence.

So he made the decision to take a leap of faith, leave that old world, and start The Hidden Reserve.

A financial services company dedicated to providing families and business owners with financial strategies that are rooted in guarantees, not guesswork.

Here, we serve families and business owners with strategies that deliver EXACTLY what they say they will.

1.How to get guaranteed growth on your money without relying on the market

2.How to create guaranteed lifetime income with ZERO market risk

3.How to pass down wealth that’s protected and tax-free

These aren’t “maybe it’ll work” strategies.

These are strategies that are guaranteed to perform no matter what happens in the economy.

Our Mission

Our mission at The Hidden Reserve is to educate clients on how to leverage cash value insurance and guaranteed annuities to create a more secure, predictable financial future.

We want to help enhance your financial portfolio with guaranteed growth, guaranteed income & tax-free use of money, giving you the peace of mind knowing your wealth is protected and growing.

Above all, we place Christ at the center of everything we do.

Why We're Different

Most of the financial industry is built on projections, market risk, and hope.

At The Hidden Reserve, our approach focuses on implementing financial strategies using guaranteed, time-tested vehicles, such as properly structured cash value life insurance and annuities.

We help our clients grow their wealth with certainty, create income they can never outlive, and pass on a tax-free legacy without relying on the market.

Our philosophy is simple: Build your financial foundation on guarantees, not guesswork.

This isn’t about chasing returns. It’s about having certainty knowing your plan will hold up, no matter what happens in the economy.

Who We Serve

Our ideal clients are business owners, high income professionals and families who are looking for more than just traditional financial strategies.

You’re in the right place if you value:

1. Building wealth on a foundation of stability, not speculation

2. Retirement income that lasts for life, without depending on the market

3. The ability to leave a lasting legacy for future generations

At The Hidden Reserve, we help individuals who are proactive about their financial futures.

Those who are ready to take control of their wealth with strategies that align with their faith and values.

Take Your Next Step

We invite you to schedule a consultation and discover how our strategies can help you enhance your financial portfolio.

Whether you're looking to become your own bank, build a retirement strategy with guaranteed lifetime income, or create a legacy for future generations, we’re here to guide you with strategies that deliver.