Insurance and Financial services

Insurance and Financial services

KPS Financial is an independent insurance agency providing tailored insurance solutions for our client's individual needs.  

KPS Financial is an independent insurance agency providing tailored insurance solutions for our client's individual needs.  


Personal Lines


  • Homeowners
  • Flood
  • Condo / Renters
  • Investment / Rental Properties
  • Builder's Risk
  • High Value Homes
  • Jewelry / Collections / Firearms
  • Umbrellas
  • Personal Auto
  • Motorcycle / ATV / RV
  • Boats / Yachts
  • Life & Disability Insurance
  • Health Insurance

Our Clients


Professionals / Executives

  • Attorneys
  • Doctors
  • Dentists
  • Accountants
  • Engineers

Business Owners:

  • Property Managers
  • Contractors
  • Retail / Distributors
  • Restaurants / Food Trucks
  • Mechanics / Body Shops
  • Plumbers / Electricians

Real Estate Investors:

  • Apartments Buildings
  • Warehouses
  • Commercial Condos
  • Developers / Flippers

Commercial Lines


  • Commercial Property
  • General Liability
  • Excess Liability
  • Commercial Residential
  • Business Owner Policies
  • Worker's Compensation
  • Garage Keepers
  • Restaurants / Bars
  • Clinics & Medical Offices
  • Dental Office
  • Malpractice Insurance
  • E&O / Professional Liability
  • Commercial Auto / Fleets
  • Food Trucks
  • Group Benefits


Pablo A. Tirado


Pablo is a licensed insurance professional (2-15, 2-20) in the State of Florida and the owner of KPS Financial.


Pablo graduated from Belen Jesuit Prep School in 1994, and has a strong educational background in business and finance earning a Bachelor of Arts in Economics and a Bachelor of Business in Finance from Florida International University.  

After thirteen years in the corporate world in various industries (cruise lines, pharmaceutical, aerospace ) and various fields (accounting, operations, corporate finance, information technology),  Pablo pursued a career in the financial services and insurance industry.   

Since 2013, Pablo has worked closely with individuals, professionals, business owners, investors and foreign nationals to ensure their financial growth and stability by providing tailored solutions for their individual financial and insurance needs. 

Pablo has lived in Miami, FL over 35 years with his wife Susy and their three boys: Pablo, Robbie and JC.  On his free time, he enjoys camping, hiking and mountain biking.   Pablo is fluent in English and Spanish.

ariel cabrera, CRPC, LUTCF


Ariel Cabrera is a licensed insurance professional (2-15, 2-20) in the state of Florida. 

Ariel has over 35 years experience in the Financial Services and Insurance Industry and earned Chartered Retirement Planning Counselor (CRPC).  In addition, he achieved his Life Underwriting Counsel Fellow designation from the American College in Bryn Mawr, PA.  He is also a member of National Association of Insurance and Financial Advisors (NAIFA).  

Ariel works closely with business owners, professionals and individual clients offering comprehensive financial services and retirement planning including:

  • Fixed and Variables Annuities
  • Charitable Giving Strategies
  • Executive Compensation and Benefit Plans
  • Non-Qualified Deferred Compensation
  • Business Owners & Executive Solutions
  • Mortgage Protection with Life Insurance
  • Tax Planning Strategies
  • Life and Disability Income Insurance
  • Estate Conservation Strategies
  • IRA Consolodation / Rollovers
  • Property & Casualty Insurance

Ariel has lived in Miami, FL over 40 years and is fluent in Spanish and English.

irene aruca


Irene is a licensed insurance professional in Life, Health, Disability Insurance and Annuities in Florida, New York and Pennsylvania.  She is also certified to sell Medicare Advantage and Medicare Supplement.  Irene specializes in health and group benefits.  Her priority is customer service and helping her clients understand group benefits.  

Irene has over 35 years of experience in the insurance industry.  She began her career with Metlife in 1984 where she worked for 27 years.  She spent the next 9 years as an agent with Principal  Financial Group and is now an independent broker contracted with numerous carriers and access to various products.

Irene has lived in Miami, FL over 50 years and is fluent in English and Spanish.  On her free time, she enjoys travelling and spending time with her family and grandchildren.

ernesto monteagudo


Ernesto is a licensed customer service representative (4-40) in the state of Florida.  

Ernesto is currently earning his Bachelors in Miami Dade College.   

Ernesto has lived in Miami five years and is fluent in English and Spanish.   On his spare time, he enjoys spending time with his family and playing sports. 

Contact Us

For a Complimentary Insurance Policy Review

KPS Financial

175 Fontainebleau Blvd, Suite 2-L4 Miami, Florida 33172

Office - 305-482-3577
Fax - 786-362-5780


Monday - Friday: 9am - 5pm

Saturday & Sundays: By Appointment